Logo

WTFC

Wintrust Financial Corporation

WTFC

Wintrust Financial Corporation • NASDAQ
$134.02 ▼ -0.50% (-0.68)
Market Cap $8.98 B
52w High $141.69
52w Low $89.10
Dividend Yield 2.00%
P/E 12.3
Volume 149.45K
Outstanding Shares 66.97M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.095B ▲ $380.028M ▼ $216.254M ▲ 19.755% ▲ $2.82 $324.594M ▲
Q2-2025 $1.045B ▲ $381.461M ▲ $195.527M ▲ 18.711% ▼ $2.82 ▲ $297.952M ▲
Q1-2025 $1.004B ▼ $366.09M ▼ $189.039M ▲ 18.836% ▲ $2.73 ▲ $282.543M ▲
Q4-2024 $1.027B ▲ $368.632M ▲ $185.362M ▲ 18.048% ▲ $2.68 ▲ $282.276M ▲
Q3-2024 $1.022B $360.687M $170.001M 16.638% $2.51 $258.451M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $9.036B ▼ $69.63B ▲ $62.584B ▲ $7.046B ▼
Q2-2025 $9.924B ▲ $68.983B ▲ $61.758B ▲ $7.226B ▲
Q1-2025 $8.836B ▲ $65.87B ▲ $59.27B ▲ $6.601B ▲
Q4-2024 $8.763B ▲ $64.88B ▲ $58.535B ▲ $6.344B ▼
Q3-2024 $8.022B $63.788B $57.389B $6.4B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $216.254M ▲ $209.779M ▼ $-739.957M ▲ $400.083M ▼ $-130.095M ▼ $217.078M ▼
Q2-2025 $195.527M ▲ $329.156M ▲ $-2.948B ▼ $2.698B ▲ $79.285M ▼ $321.857M ▲
Q1-2025 $189.039M ▲ $119.754M ▼ $-973.374M ▲ $1.011B ▲ $157.743M ▲ $127.053M ▼
Q4-2024 $185.362M ▲ $490.818M ▲ $-1.718B ▼ $955.023M ▼ $-272.592M ▼ $471.243M ▲
Q3-2024 $170.001M $-61.626M $-663.356M $1.041B $315.604M $-78.324M

Revenue by Products

Product Q3-2023Q1-2024Q2-2024Q3-2024
Community Banking Segment
Community Banking Segment
 $0 ▲$440.00M ▲$430.00M ▼$460.00M ▲
Specialty Finance Segment
Specialty Finance Segment
 $0 ▲$110.00M ▲$130.00M ▲$120.00M ▼
Wealth Management Segment
Wealth Management Segment
 $30.00M ▲$70.00M ▲$40.00M ▼$40.00M ▲
Deposit Account
Deposit Account
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Mortgage Banking Revenue
Mortgage Banking Revenue
 $30.00M ▲$0 ▼$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Wintrust’s income statement shows a solid, steady build in its core business. Revenue has grown well over the past five years, and profits have risen even faster than sales, suggesting better efficiency and good cost control. Margins have improved as the bank has scaled up, and earnings per share have advanced consistently from their pandemic low. This pattern points to a well‑managed, growing franchise, although the results are still sensitive to interest rate cycles and credit conditions, as is typical for regional banks.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with total assets climbing each year as the bank grows its lending and deposit base. Equity has also increased steadily, indicating that earnings are being retained and capital strength is building over time. Borrowings have risen but appear to be growing in an orderly way alongside the business, not spiking abruptly. Cash levels move around year to year, which is normal for a bank, but the current cash position looks healthy relative to its obligations. Overall, the balance sheet reflects a growing regional bank with a solid capital foundation and moderate leverage for the sector.

Cash Flow

Cash Flow Cash flow has been positive and generally supportive of growth. Operating cash flow has been somewhat volatile from year to year, which is common in banking because loan and deposit movements can swing reported cash numbers. Even so, free cash flow has stayed positive in recent years, and investment needs for technology and physical infrastructure appear manageable. The business is not heavily burdened by capital spending, suggesting that most cash generated can go toward supporting growth, absorbing credit costs, and returning some capital when management chooses.

Competitive Edge

Competitive Edge Wintrust operates with a hybrid model: it feels like a local community bank to customers, but it has the capabilities of a much larger institution. Its network of locally branded banks and deep community involvement creates strong customer loyalty. At the same time, specialty finance areas—such as premium finance and niche commercial lending—give it additional profit streams and national reach, which many smaller banks lack. Its MaxSafe deposit program and strong track record of bolt‑on acquisitions further support its position. Key risks are intense competition from large national banks, other regionals, and digital players, as well as the usual credit and funding pressures that come with economic downturns.

Innovation and R&D

Innovation and R&D Wintrust focuses on practical, partnership‑driven innovation instead of trying to build everything in‑house. The digital banking platform developed with NCR brings a modern, integrated online and mobile experience, aimed at both consumers and small businesses. The LPL Financial partnership upgrades its wealth management tools without the heavy internal build cost, while the Egnyte relationship strengthens its data governance and security. Innovation here is more evolutionary than disruptive: steady improvements to customer experience, advisor capabilities, and risk management. The main watchpoints are how quickly it can keep enhancing digital tools versus faster‑moving fintechs, and how effectively it uses these partnerships to deepen relationships and broaden revenue over time.

Summary

Wintrust looks like a disciplined regional bank that has grown steadily while improving profitability and strengthening its capital base. Its earnings trend, expanding asset base, and positive free cash flow paint the picture of a scaled, profitable franchise rather than a small community bank. Competitively, its mix of local branding, niche lending specialties, and selective technology partnerships gives it a differentiated position in its Midwest footprint and beyond. The strategy leans on thoughtful acquisitions and pragmatic innovation instead of high‑risk experimentation. Key uncertainties remain the broader interest rate and credit environment, competition from larger and digital‑first players, and continued execution on acquisitions and technology rollouts. Overall, the data suggest a mature, steadily evolving institution rather than a high‑volatility story.

NEWS

October 23, 2025 · 4:05 PM UTC

Wintrust Financial Corporation Announces Cash Dividends

Read more

October 20, 2025 · 4:50 PM UTC

Wintrust Financial Corporation Reports Record Net Income

Read more

September 19, 2025 · 4:05 PM UTC

Wintrust Financial Corporation Announces Third Quarter and Year-to-Date 2025 Earnings Release Schedule

Read more