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  2. SECTOR : BANKING & FINANCE
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  4. WINTRUST FINANCIAL CORP.
Wintrust Financial Corp.
XNAS: WTFC
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XNAS 09 Oct, 2026 5:30 PM (EDT)

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Wintrust Fin Corp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Wintrust Fin Corp share price target, revenues, EPS, net income and more

Wintrust Fin Corp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Wintrust Fin Corp Jun-2026 Quarterly Revenue is $739 Million which is growth of 10.1% YoY.

  • POSITIVE

    Quarterly Net Profit Wintrust Fin Corp Jun-2026 Quarterly Net Profit is $234 Million which is growth of 19.5% YoY.

Wintrust Financial Corp., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
738.6713.2714.3697.8670.8643.1638.7615.7591.8604.6570.8574.8560.6
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------254.8220.3211.7
Operating Profit
----------10.7129.8
⌄
-------------
Profit Before Tax
318300.9302.2296267.1253.1253.1232.7211.3250165.2224.9211.4
Tax
-84.373.679.2-79.871.66467.762.75962.741.860.756.7
⌄
225.3219214.7188.9188.5182.1178.4163145.4180.3116.5157.2147.8
Diluted NI Avail to Com Stockholders Ann.
225.3219214.7188.9188.5182.1178.4163145.4180.3116.5157.2147.8
Basic EPS
3.33.33.22.82.82.72.72.52.42.91.92.62.4
Diluted EPS After ExtraOrdinary
3.2-3.12.82.82.72.62.52.331.92.52.4
Number Of Shares End
67.467.3676766.966.766.564.961.861.561.261.261.2
Net Income Continuing Discontinued Operations
233.7227.4223216.3195.5189185.4170152.4187.3123.5164.2154.8
Normalized Income
237.9227.4217.9224197.7191.2185.4170152.4191.1123.5164.2154.8
Interest Income
-927.6956.3-920.9887913.5908.6850805.5793.9762.4697.2
Interest
-364.1348.5372.5-396.8374.2360.5388.4406379.4341.3323.9300249.6
Net Interest Income
597.4579583.9567546.7526.5525.2502.6470.6464.2470462.4447.5
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
29.229.929.928.630.929.529.225.723.721.522.227.616.2
Profit From Continuing Operations
233.7227.4223216.3195.5189185.4170152.4187.3123.5164.2154.8
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Wintrust Fin Corp competitor comparison and performance snapshot within industry

Wintrust Fin Corp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Wintrust Fin Corp Dec-2025 Annual Revenue is $2,726 Million which is growth of 11.2% YoY.

  • POSITIVE

    Annual Net Profit Wintrust Fin Corp Dec-2025 Annual Net Profit is $824 Million which is growth of 18.5% YoY.

Wintrust Financial Corp., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
11.6%
10.7%
 2,7262,450.92,2721,958.91,707.61,6411,459.21,316.81,146.81,038.6907.7
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---1,097.6-290.1-191.4-291-366-235.2-138.5-103.5-76.9
Operating Profit Ann.
-
-
 --3,369.62,2491,8991,9321,825.21,5521,285.31,142.1984.6
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
16.9%
23.5%
1,217.21,118.4947.1845.1700.6637.8389.8480.1460.1390331.9251.8
Tax Ann.
15.6%
24.9%
-11.3294.6252222.5190.9171.696.8124.4117132.312595
⌄
17.1%
23.3%
847.9774.2667.1594.7481.7438.2271.6347.5335247.9192.4145.9
Diluted NI Avail to Com Stockholders Ann.
17.1%
23.3%
847.9774.2667.1594.7481.7438.2271.6347.5335249.5198.7152.2
EPS Ann.
12.7%
19.8%
 11.610.59.78.17.74.76.164.53.83.1
Diluted EPS Ann.
12.5%
19.4%
 11.410.39.687.64.765.94.43.72.9
Number Of Shares End
3.3%
3.2%
 6766.561.260.85757.357.656.455.951.848.4
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
17.4%
23%
900.4823.8695622.6509.7466.2293355.7343.2257.7206.9156.8
Normalized Income Ann.
17.2%
22.8%
907.1823.5698.8622.6511.5467.6294.4355.8343.2257.3204.5166
Interest Income Ann.
28.7%
23.6%
 3,7283,477.62,893.11,747.41,275.51,2931,385.11,170.8946.5812.5718.5
Interest Ann.
81.4%
42.8%
-39.91,5041,515.11,055.3252.1150.5253.1330.2205.9114.490.376.9
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
13.1%
4.3%
117.6118.8100.184.882.1101.896.488.467.763.153.236.7
Profit From Continuing Operations Ann.
17.4%
23%
900.4823.8695622.6509.7466.2293355.7343.2257.7206.9156.8
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
11.2%
2Y CAGR
9.5%
3Y CAGR
11.6%
5Y CAGR
10.7%
7Y CAGR
11%
10Y CAGR
11.6%
Total Revenue Annual growth is stable compared to historical averages.
Net Profit Ann.
1Y CHG
18.5%
2Y CAGR
15%
3Y CAGR
17.4%
5Y CAGR
23%
7Y CAGR
13.3%
10Y CAGR
18%
Net Profit Annual growth is stable compared to historical averages.

Wintrust Fin Corp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Wintrust Fin Corp Dec-2025 Total Shareholders Fund is $6,834 Million which is growth of 15.2% YoY.

  • POSITIVE

    Total Assets Wintrust Fin Corp Dec-2025 Total Assets is $71,142 Million which is growth of 9.7% YoY.

Wintrust Financial Corp., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
10.3%
9.6%
71,142.164,879.756,259.952,949.750,142.145,080.836,620.631,244.927,91625,668.622,917.2
⌄
9.9%
9.3%
63,883.358,535.450,860.448,152.845,643.540,964.832,929.327,977.324,93922,972.920,564.9
⌄
15.9%
13%
6,833.75,931.84,9874,384.34,086.23,703.53,566.33,142.62,851.92,444.42,101
Total Capitalization Ann.
13.2%
12.6%
11,740.210,582.39,049.48,092.96,840.26,479.15,4474,427.93,833.53,405.73,822.9
Tangible Assets Ann.
15.6%
13.1%
6,362.85,425.74,7204,121.13,815.23,434.32,9992,6452,457.42,175.21,856.3
Working Capital Ann.
-
-
--
Invested Capital Ann.
12.4%
13%
11,315.210,169.88,636.97,970.46,502.76,129.65,328.44,304.94,053.23,191.43,571.6
Tangible Book Value Ann.
17%
14.5%
5,937.85,013.24,307.53,708.63,402.73,021.82,8742,5202,332.41,923.91,605
Borrowings Ann.
7.7%
13.1%
4,481.54,2383,649.93,5862,416.52,426.11,762.21,162.41,201.27471,470.6
Net Debt Ann.
-9%
-
833.1-1,142.21,106.4------591.3
Share Issued Ann.
3.3%
2.8%
67.166.661.360.858.958.55856.556.15248.5
Number Of Shares End
3.3%
3.2%
6766.561.260.85757.357.656.455.951.848.4
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
9.7%
2Y CAGR
12.5%
3Y CAGR
10.3%
5Y CAGR
9.6%
7Y CAGR
12.5%
10Y CAGR
12%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
15.2%
2Y CAGR
17.1%
3Y CAGR
15.9%
5Y CAGR
13%
7Y CAGR
11.7%
10Y CAGR
12.5%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Wintrust Fin Corp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Wintrust Fin Corp Book Value Per Share is $102 which is growth of 14.2% YoY.

  • NEUTRAL

    ROE Wintrust Fin Corp ROE is 0% which is growth of 0% YoY.

Wintrust Financial Corp., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.10%1.09%0.93%0.92%0.66%1.02%1.13%0.93%0.79%0.68%
ROE Ann. %
-
-
-12.22%12.69%11.37%11.25%7.47%10.36%11.18%9.36%8.46%7.21%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--148.31%114.81%111.21%117.73%125.08%117.86%112.08%109.97%108.48%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.70.70.80.60.60.50.40.30.30.7
*All financials are in USD Million and price data in USD
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Wintrust Fin Corp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Wintrust Fin Corp Dec-2025 Cash From Operating Activity is $910 Million which is growth of 26.2% YoY.

  • NEGATIVE

    Net Cash Flow Wintrust Fin Corp Dec-2025 Net Cash Flow is $9 Million which is growth of -73.2% YoY.

Wintrust Financial Corp., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-12.8%
-
910.4721.6744.41,3751,130.9-518.5266377.2401309.138
⌄
-
-
-6,168.6-5,946.4-3,237.8-3,490.8-5,928.9-7,182.4-4,019-2,763.5-2,303.7-2,492.7-1,641.6
⌄
33.9%
-7.4%
5,267.75,259.92,425.92,195.54,886.77,736.93,647.22,500.91,910.32,177.81,648.7
Cash Plus Cash Eqv. End Of Year Ann.
-1.6%
7.7%
467.9458.5423.5491411.2322.5286.5392.2277.6270275.8
Net Increase In Cash Plus Cash Eqv.s Ann.
-51%
-23.6%
9.435.1-67.579.888.736-105.7114.67.6-5.845.1
Cash Plus Cash Eqv. Begin Of Year Ann.
3.7%
9.9%
458.5423.5491411.2322.5286.5392.2277.6270275.8230.7
Income Tax Paid Supplemental Data Ann.
13.2%
16.1%
222.4252.9231.7153.5178.6105.360.869.176.894.994.7
Interest Paid Supplemental Data Ann.
84%
42.1%
1,489.51,517.81,026.3239.2156.9257.4327.3197.9112.891.477.7
Capex Ann.
-
-
-50-86-46.4-53.5-57.1-63.7-82-68.3-59.2-33.9-43.5
Issuance Of Capital Stock Ann.
13.2%
8.3%
414.2285.7277.6-152.9120.8
Issuance Of Debt Ann.
-37%
-14.1%
300825.250.71,200.112.6642.1560.5137.3403159.9
Repayment Of Debt Ann.
-
-
-73.6-223.7---27.8---148-4.9-721.7
Repurchase Of Capital Stock Ann.
-
-
-415.5-3.9-1.9-0.3-9.5-93.4-1.3-0.7-0.4-0.6-0.4
Free Cash Flow Ann.
-13.3%
-
860.4635.56981,321.61,073.8-582.1184308.9341.9275.2-5.5
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
26.2%
2Y CAGR
10.6%
3Y CAGR
-12.8%
7Y CAGR
13.4%
10Y CAGR
37.4%
Cash from Operating Activity Annual growth is stable compared to historical averages.
Cash from Financing Act. Ann.
1Y CHG
0.1%
2Y CAGR
47.4%
3Y CAGR
33.9%
5Y CAGR
-7.4%
7Y CAGR
11.2%
10Y CAGR
12.3%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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