Friday 6 November 2026 Export WTFC’s income statement to Excel — free account

Wintrust Financial Corporation

Wintrust Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.2 billion, up 6.66% from fiscal 2024.

Revenue: +4.06%
EPS: +21.3%
Free cash flow: −23.8%
Total debt: +1.77%

Quarter to September 2026, against a year earlier

151.56 4.56 −2.92%

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Market cap: $10.2B
P/E: 11.5×
Fwd P/E: 11.4×
Dividend yield: 1.45%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

Wintrust Financial Corporation (WTFC) revenue by segment, product and region

Revenue by product or service $m

Line	FY2025	FY2024	FY2023	FY2022	FY2021	FY2019	FY2018	FY2017
Asset management	100 37.49%	98 38.95%	88 39.82%	75 34.67%	81 39.28%	60 36.86%	55 36.27%	46 33.35%
Service charges on deposit accounts	79 29.77%	66 26.18%	55 25.06%	59 26.90%	54 26.15%	—	—	—
Trust	29 10.94%	26 10.35%	24 10.97%	33 15.37%	22 10.59%	19 11.62%	13 8.70%	13 9.03%
Brokerage and insurance product commissions	19 7.07%	23 9.02%	19 8.46%	18 8.12%	21 10.00%	19 11.66%	22 14.68%	23 16.45%
Card related fees	16 6.01%	18 7.11%	14 6.26%	11 5.27%	9 4.45%	8 4.84%	7 4.88%	6 4.21%
Other deposit related fees	15 5.68%	14 5.49%	14 6.51%	13 6.20%	13 6.42%	13 7.74%	12 7.80%	11 8.01%
Administrative services	5 2.00%	5 2.13%	6 2.54%	7 3.08%	6 2.75%	4 2.60%	5 3.03%	4 3.00%
Mortgage broker fees	3 1.04%	2 0.77%	1 0.38%	1 0.39%	1 0.38%	1 0.48%	1 0.78%	2 1.13%
Service Charges on Deposit Accounts Revenue	—	—	—	—	—	39 24.20%	—	—
Deposit Account	—	—	—	—	—	39	—	—
Total wealth management	147	146	131	127	124	97	91	82
Revenue	266	251	220	218	207	161	153	139

Operating figures as reported in each quarter’s results release or filing

Figure	Quarter	Latest	A year before	Change
Assets under administration	Q2 FY2026	$49.7B	$53.2B	−6.58%
Average loans to average deposits ratio	Q3 FY2026	91.8%	92.5%	—
Banking offices	Q3 FY2026	211.00	208.00	+1.44%
Bank subsidiaries	Q3 FY2026	16.00	16.00	0.00%
Insurance premium financing receivables originations	Q3 FY2026	$5.4B	$5.5B	−1.82%
Net charge-offs	Q3 FY2026	$21.0M	$24.6M	−14.63%
Non-interest bearing deposit balances as a percentage of total deposits	Q3 FY2026	19.0%	19.0%	—
Non-performing assets	Q3 FY2026	$193.3M	$187.5M	+3.09%
Non-performing assets to total assets	Q3 FY2026	0.25%	0.27%	—
Non-performing loans	Q3 FY2026	$176.9M	$162.6M	+8.79%
Non-performing loans to total loans	Q3 FY2026	0.31%	0.31%	—
Period-end loans to deposits ratio	Q3 FY2026	91.0%	91.8%	—
Remaining performance obligations	Q4 FY2025	$2.6M	$1.3M	+98.27%

	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025	Q4 FY2024	Q3 FY2024	Q2 FY2024	Q1 FY2024	Q4 FY2023	Q4 FY2022	Q3 FY2022	Q2 FY2022	Q1 FY2022	Q4 FY2021	Q3 FY2021	Q2 FY2021	Q1 FY2021	Q4 FY2020	Q3 FY2020	Q2 FY2020	Q1 FY2020	Q4 FY2019	Q3 FY2019	Q2 FY2019	Q1 FY2019	Q4 FY2018	Q3 FY2018	Q2 FY2018	Q1 FY2018
Assets under administration	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Average loans to average deposits ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Banking offices	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Bank subsidiaries	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Insurance premium financing receivables originations	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Net charge-offs	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Non-interest bearing deposit balances as a percentage of total deposits	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Non-performing assets	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Non-performing assets to total assets	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Non-performing loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Non-performing loans to total loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Period-end loans to deposits ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Remaining performance obligations	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡

As each company reports them in its 10-K and 10-Q filings, in US dollars. Where a later filing recast a year's segments, the year is shown as recast; a period whose breakdown does not add up to the company's revenue is left out.

Wintrust Financial Corporation (WTFC) revenue by segment, product and region

Revenue by product or service $m

Operating figures as reported in each quarter’s results release or filing

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