WTFC
Wintrust Financial Corporation
Price Chart
Latest Quote
$149.71
Current Price| Previous Close | $147.49 |
| Open | $147.16 |
| Day High | $150.33 |
| Day Low | $147.15 |
| Volume | 614,500 |
Stock Information
| Quarterly Dividend / Yield | $2.05 / 1.37% |
| Shares Outstanding | 66.97M |
| Total Debt | $4.48B |
| Cash Equivalents | $3.65B |
| Revenue | $2.63B |
| Net Income | $774.15M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $10.03B |
| P/E Ratio | 13.14 |
| EPS (TTM) | $11.39 |
| Exchange | NMS |
đ Custom Metrics & Score
Score: 11/42| Debt to Equity | 0.67 |
| Debt to Earnings | 4.47 |
| Avg Revenue Growth | 10.81% |
| Profit Margin | 28.36% |
| Return on Equity | 10.96% |
| Avg FCF Growth | -10.20% |
| FCF Yield | 6.34% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $149.71 | 629,800 |
| 2026-01-30 | $147.49 | 396,500 |
| 2026-01-29 | $147.90 | 431,000 |
| 2026-01-28 | $145.26 | 433,000 |
| 2026-01-27 | $145.47 | 403,400 |
| 2026-01-26 | $146.44 | 592,000 |
| 2026-01-23 | $145.99 | 708,600 |
| 2026-01-22 | $152.21 | 831,800 |
| 2026-01-21 | $151.54 | 1,307,200 |
| 2026-01-20 | $144.72 | 483,900 |
| 2026-01-16 | $145.93 | 657,700 |
| 2026-01-15 | $146.40 | 414,200 |
| 2026-01-14 | $144.32 | 380,300 |
| 2026-01-13 | $143.15 | 321,100 |
| 2026-01-12 | $143.61 | 311,500 |
| 2026-01-09 | $145.90 | 284,000 |
| 2026-01-08 | $148.03 | 429,400 |
| 2026-01-07 | $146.10 | 364,800 |
| 2026-01-06 | $147.63 | 327,200 |
| 2026-01-05 | $145.40 | 311,500 |
About Wintrust Financial Corporation
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
đ° Latest News
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Wintrust Financial Q4 Earnings Call Highlights
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Associated Press Finance âĸ 2026-01-20T22:21:43ZIncome Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $2,450,860,000 | $2,271,970,000 | $1,956,415,000 | $1,711,077,000 |
| Operating Revenue | $2,450,860,000 | $2,271,970,000 | $1,956,415,000 | $1,711,077,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $1,515,062,000 | $1,055,250,000 | $252,081,000 | $150,527,000 |
| Selling And Marketing Expense | $61,812,000 | $65,075,000 | $59,418,000 | $47,275,000 |
| General And Administrative Expense | $858,070,000 | $784,741,000 | $724,746,000 | $718,699,000 |
| Professional Expense And Contract Services Expense | $40,637,000 | $34,758,000 | $33,088,000 | $29,494,000 |
| Other Non Interest Expense | $180,649,000 | $163,990,000 | $149,045,000 | $126,763,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $695,045,000 | $622,626,000 | $509,682,000 | $466,151,000 |
| Net Interest Income | $1,962,535,000 | $1,837,864,000 | $1,495,362,000 | $1,124,957,000 |
| Interest Income | $3,477,597,000 | $2,893,114,000 | $1,747,443,000 | $1,275,484,000 |
| Normalized Income | $698,829,504 | $647,959,638 | $509,682,000 | $466,151,000 |
| Net Income From Continuing And Discontinued Operation | $695,045,000 | $622,626,000 | $509,682,000 | $466,151,000 |
| Net Income Common Stockholders | $667,081,000 | $594,662,000 | $481,718,000 | $438,187,000 |
| Net Income | $695,045,000 | $622,626,000 | $509,682,000 | $466,151,000 |
| Net Income Including Noncontrolling Interests | $695,045,000 | $622,626,000 | $509,682,000 | $466,151,000 |
| Net Income Continuous Operations | $695,045,000 | $622,626,000 | $509,682,000 | $466,151,000 |
| Pretax Income | $947,089,000 | $845,081,000 | $700,555,000 | $637,796,000 |
| Special Income Charges | $-5,156,000 | $-34,374,000 | $0 | $-2,000,000 |
| Depreciation Amortization Depletion Income Statement | $12,095,000 | $5,498,000 | $6,116,000 | $7,734,000 |
| Depreciation And Amortization In Income Statement | $12,095,000 | $5,498,000 | $6,116,000 | $7,734,000 |
| Amortization Of Intangibles Income Statement | $12,095,000 | $5,498,000 | $6,116,000 | $7,734,000 |
| Depreciation Income Statement | - | $42,363,000 | $38,008,000 | $40,880,000 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $10.31 | $9.58 | $8.02 | $7.58 |
| Basic EPS | $10.47 | $9.72 | $8.14 | $7.69 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $-1,371,496 | $-9,040,362 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-5,156,000 | $-34,374,000 | $0 | $-2,000,000 |
| Total Unusual Items Excluding Goodwill | $-5,156,000 | $-34,374,000 | $0 | $-2,000,000 |
| Reconciled Depreciation | $100,079,000 | $84,764,000 | $82,070,000 | $101,797,000 |
| Diluted Average Shares | $64,701,000 | $62,087,000 | $60,091,000 | $57,786,000 |
| Basic Average Shares | $63,685,000 | $61,149,000 | $59,205,000 | $56,994,000 |
| Diluted NI Availto Com Stockholders | $667,081,000 | $594,662,000 | $481,718,000 | $438,187,000 |
| Preferred Stock Dividends | $27,964,000 | $27,964,000 | $27,964,000 | $27,964,000 |
| Tax Provision | $252,044,000 | $222,455,000 | $190,873,000 | $171,645,000 |
| Other Special Charges | $5,156,000 | $34,374,000 | $2,500,000 | $-4,000,000 |
| Gain On Sale Of Security | $-2,602,000 | $1,525,000 | $-20,427,000 | $-1,059,000 |
| Amortization | $12,095,000 | $5,498,000 | $6,116,000 | $7,734,000 |
| Selling General And Administration | $919,882,000 | $849,816,000 | $784,164,000 | $765,974,000 |
| Insurance And Claims | $40,962,000 | $36,728,000 | $28,639,000 | $27,030,000 |
| Salaries And Wages | $817,108,000 | $748,013,000 | $696,107,000 | $691,669,000 |
| Occupancy And Equipment | $244,305,000 | $224,063,000 | $204,858,000 | $202,579,000 |
| Write Off | - | - | - | $2,000,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $5,425,665,000 | $4,719,965,000 | $4,121,128,000 | $3,815,232,000 |
| Total Assets | $64,879,668,000 | $56,259,934,000 | $52,949,649,000 | $50,142,143,000 |
| Goodwill And Other Intangible Assets | $918,632,000 | $679,561,000 | $675,710,000 | $683,456,000 |
| Other Intangible Assets | $121,690,000 | $22,889,000 | $22,186,000 | $28,307,000 |
| Receivables | $18,102,000 | $701,314,000 | $938,104,000 | $26,068,000 |
| Accounts Receivable | $18,102,000 | $10,592,000 | $16,387,000 | $26,068,000 |
| Cash And Cash Equivalents | $4,861,770,000 | $2,507,727,000 | $2,479,627,000 | $5,783,753,000 |
| Cash Financial | $452,017,000 | $423,404,000 | $490,908,000 | $411,150,000 |
| Cash Cash Equivalents And Federal Funds Sold | $4,868,289,000 | $2,507,787,000 | $2,479,685,000 | $6,483,808,000 |
| Other Receivables | - | $690,722,000 | $921,717,000 | - |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Debt | $4,237,961,000 | $3,649,886,000 | $3,586,031,000 | $2,416,513,000 |
| Long Term Debt And Capital Lease Obligation | $4,237,961,000 | $3,649,886,000 | $3,296,031,000 | $2,341,513,000 |
| Long Term Debt | $4,237,961,000 | $3,649,886,000 | $3,296,031,000 | $2,341,513,000 |
| Current Debt And Capital Lease Obligation | $0 | $0 | $290,000,000 | $75,000,000 |
| Current Debt | $0 | $0 | $290,000,000 | $75,000,000 |
| Other Current Borrowings | $0 | $0 | $290,000,000 | $75,000,000 |
| Net Debt | - | $1,142,159,000 | $1,106,404,000 | - |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $58,535,371,000 | $50,860,408,000 | $48,152,811,000 | $45,643,455,000 |
| Payables And Accrued Expenses | - | $1,799,922,000 | $1,646,624,000 | $1,122,159,000 |
| Payables | - | $1,799,922,000 | $1,646,624,000 | $1,122,159,000 |
| Accounts Payable | - | $1,799,922,000 | $1,646,624,000 | $1,122,159,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $5,931,797,000 | $4,987,026,000 | $4,384,338,000 | $4,086,188,000 |
| Preferred Stock Equity | $412,500,000 | $412,500,000 | $412,500,000 | $412,500,000 |
| Total Equity Gross Minority Interest | $6,344,297,000 | $5,399,526,000 | $4,796,838,000 | $4,498,688,000 |
| Stockholders Equity | $6,344,297,000 | $5,399,526,000 | $4,796,838,000 | $4,498,688,000 |
| Gains Losses Not Affecting Retained Earnings | $-508,335,000 | $-361,231,000 | $-427,636,000 | $4,092,000 |
| Retained Earnings | $3,897,164,000 | $3,345,399,000 | $2,849,007,000 | $2,447,535,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Treasury Shares Number | $64,955 | $24,940 | $3,262 | $1,837,689 |
| Preferred Shares Number | $16,500,000 | $16,500,000 | $16,500,000 | $16,500,000 |
| Ordinary Shares Number | $66,495,227 | $61,243,626 | $60,794,008 | $57,054,091 |
| Share Issued | $66,560,182 | $61,268,566 | $60,797,270 | $58,891,780 |
| Tangible Book Value | $5,013,165,000 | $4,307,465,000 | $3,708,628,000 | $3,402,732,000 |
| Invested Capital | $10,169,758,000 | $8,636,912,000 | $7,970,369,000 | $6,502,701,000 |
| Total Capitalization | $10,582,258,000 | $9,049,412,000 | $8,092,869,000 | $6,840,201,000 |
| Treasury Stock | $6,153,000 | $2,217,000 | $304,000 | $109,903,000 |
| Additional Paid In Capital | $2,482,561,000 | $1,943,806,000 | $1,902,474,000 | $1,685,572,000 |
| Capital Stock | $479,060,000 | $473,769,000 | $473,297,000 | $471,392,000 |
| Common Stock | $66,560,000 | $61,269,000 | $60,797,000 | $58,892,000 |
| Preferred Stock | $412,500,000 | $412,500,000 | $412,500,000 | $412,500,000 |
| Investments And Advances | $7,974,229,000 | $7,503,806,000 | $6,995,076,000 | $5,361,650,000 |
| Held To Maturity Securities | $3,594,334,000 | $3,851,747,000 | $3,639,227,000 | $2,939,309,000 |
| Available For Sale Securities | $474,627,000 | $355,904,000 | $334,620,000 | $354,494,000 |
| Trading Securities | $4,072,000 | $4,707,000 | $1,127,000 | $1,061,000 |
| Goodwill | $796,942,000 | $656,672,000 | $653,524,000 | $655,149,000 |
| Net PPE | $1,057,394,000 | $1,030,246,000 | $1,018,726,000 | $1,008,487,000 |
| Accumulated Depreciation | $-507,744,000 | $-464,015,000 | $-411,762,000 | $-416,388,000 |
| Gross PPE | $1,565,138,000 | $1,494,261,000 | $1,430,488,000 | $1,424,875,000 |
| Construction In Progress | $15,702,000 | $26,443,000 | $27,498,000 | $17,742,000 |
| Other Properties | $278,264,000 | $281,280,000 | $253,928,000 | $242,082,000 |
| Machinery Furniture Equipment | $383,056,000 | $333,176,000 | $307,468,000 | $329,314,000 |
| Buildings And Improvements | $703,798,000 | $687,326,000 | $674,887,000 | $667,680,000 |
| Land And Improvements | $184,318,000 | $166,036,000 | $166,707,000 | $168,057,000 |
| Other Short Term Investments | $3,901,196,000 | $3,291,448,000 | $3,020,102,000 | $2,066,786,000 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $635,525,000 | $697,970,000 | $1,321,551,000 | $1,073,797,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $721,557,000 | $744,376,000 | $1,375,000,000 | $1,130,872,000 |
| Cash Flow From Continuing Operating Activities | $721,557,000 | $744,376,000 | $1,375,000,000 | $1,130,872,000 |
| Operating Gains Losses | $-10,229,000 | $-67,865,000 | $61,730,000 | $-217,121,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-86,032,000 | $-46,406,000 | $-53,449,000 | $-57,075,000 |
| Investing Cash Flow | $-5,946,363,000 | $-3,237,816,000 | $-3,490,769,000 | $-5,928,859,000 |
| Cash Flow From Continuing Investing Activities | $-5,946,363,000 | $-3,237,816,000 | $-3,490,769,000 | $-5,928,859,000 |
| Net Other Investing Changes | $-56,011,000 | $25,381,000 | $-84,467,000 | $17,469,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-3,936,000 | $-1,913,000 | $-304,000 | $-9,540,000 |
| Issuance Of Capital Stock | $0 | $0 | $285,729,000 | $0 |
| Financing Cash Flow | $5,259,878,000 | $2,425,938,000 | $2,195,530,000 | $4,886,718,000 |
| Cash Flow From Continuing Financing Activities | $5,259,878,000 | $2,425,938,000 | $2,195,530,000 | $4,886,718,000 |
| Net Other Financing Charges | $-6,168,000 | $-57,000 | - | $-16,583,000 |
| Cash Dividends Paid | $-143,280,000 | $-125,690,000 | $-108,210,000 | $-98,629,000 |
| Net Common Stock Issuance | $-3,936,000 | $-1,913,000 | $285,425,000 | $-9,540,000 |
| Common Stock Issuance | $0 | $0 | $285,729,000 | $0 |
| Dividends Received Cfi | $2,763,000 | $7,476,000 | $4,765,000 | $-2,107,000 |
| Net Preferred Stock Issuance | - | - | $0 | $0 |
| Preferred Stock Issuance | - | - | $0 | $0 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-223,674,000 | $0 | $0 | $-27,784,000 |
| Issuance Of Debt | $825,238,000 | $50,670,000 | $1,200,135,000 | $12,629,000 |
| Interest Paid Supplemental Data | $1,517,813,000 | $1,026,311,000 | $239,209,000 | $156,868,000 |
| Income Tax Paid Supplemental Data | $252,851,000 | $231,653,000 | $153,499,000 | $178,575,000 |
| End Cash Position | $458,536,000 | $423,464,000 | $490,966,000 | $411,205,000 |
| Beginning Cash Position | $423,464,000 | $490,966,000 | $411,205,000 | $322,474,000 |
| Changes In Cash | $35,072,000 | $-67,502,000 | $79,761,000 | $88,731,000 |
| Proceeds From Stock Option Exercised | $6,694,000 | $8,309,000 | $11,233,000 | $19,824,000 |
| Common Stock Payments | $-3,936,000 | $-1,913,000 | $-304,000 | $-9,540,000 |
| Net Issuance Payments Of Debt | $601,564,000 | $50,670,000 | $1,200,135,000 | $-15,155,000 |
| Net Long Term Debt Issuance | $601,564,000 | $50,670,000 | $1,200,135,000 | $-15,155,000 |
| Long Term Debt Payments | $-223,674,000 | $0 | $0 | $-27,784,000 |
| Long Term Debt Issuance | $825,238,000 | $50,670,000 | $1,200,135,000 | $12,629,000 |
| Net Investment Purchase And Sale | $773,922,000 | $-230,126,000 | $-3,119,759,000 | $-1,931,418,000 |
| Sale Of Investment | $2,654,963,000 | $2,481,259,000 | $630,300,000 | $1,802,768,000 |
| Purchase Of Investment | $-1,881,041,000 | $-2,711,385,000 | $-3,750,059,000 | $-3,734,186,000 |
| Net Business Purchase And Sale | $531,308,000 | $-5,147,000 | $0 | $-585,402,000 |
| Net PPE Purchase And Sale | $-86,032,000 | $-46,406,000 | $-53,449,000 | $-57,075,000 |
| Purchase Of PPE | $-86,032,000 | $-46,406,000 | $-53,449,000 | $-57,075,000 |
| Change In Working Capital | $-187,652,000 | $-38,607,000 | $295,426,000 | $257,196,000 |
| Change In Other Working Capital | $635,000 | $-3,580,000 | $-66,000 | $-390,000 |
| Change In Payables And Accrued Expense | $-49,348,000 | $164,606,000 | $377,396,000 | $78,475,000 |
| Change In Payable | $-49,348,000 | $164,606,000 | $377,396,000 | $78,475,000 |
| Change In Account Payable | $-49,348,000 | $164,606,000 | $377,396,000 | $78,475,000 |
| Change In Receivables | $-138,939,000 | $-199,633,000 | $-81,904,000 | $179,111,000 |
| Changes In Account Receivables | $-138,939,000 | $-199,633,000 | $-81,904,000 | $179,111,000 |
| Other Non Cash Items | $-4,735,000 | $30,987,000 | $310,847,000 | $645,839,000 |
| Stock Based Compensation | $38,108,000 | $33,495,000 | $31,748,000 | $16,177,000 |
| Deferred Tax | $11,011,000 | $-19,707,000 | $22,057,000 | $-2,861,000 |
| Deferred Income Tax | $11,011,000 | $-19,707,000 | $22,057,000 | $-2,861,000 |
| Depreciation Amortization Depletion | $100,079,000 | $84,764,000 | $82,070,000 | $101,797,000 |
| Depreciation And Amortization | $100,079,000 | $84,764,000 | $82,070,000 | $101,797,000 |
| Gain Loss On Investment Securities | $2,602,000 | $-1,525,000 | $20,427,000 | $1,059,000 |
| Gain Loss On Sale Of PPE | $336,000 | $1,290,000 | $2,845,000 | $-3,614,000 |
| Net Income From Continuing Operations | $695,045,000 | $622,626,000 | $509,682,000 | $466,151,000 |
| Purchase Of Business | - | - | $0 | $-585,402,000 |