Saturday 17 October 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. In the quarter to June 2026, revenue grew 5.52%, EPS grew 18.4%, free cash flow fell 23.8% and total debt rose 1.04%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

143.90 0.36 +0.25%

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Market cap: $9.7B
P/E: 11.4×
Fwd P/E: 11.7×
Dividend yield: 1.49%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 7.32

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	5	1	2	2	1	—	—	1	—	—

Insider Ownership 1.47%

Capital & Financial Ratios $m

Market Cap 9,680.00

Revenue 4,345.76

Net Income 900.36

Free Cash Flow 1,573.03

Net Debt 204.03

Current Ratio 0.98

Debt/Equity 0.58

P/E ratio 11.39

Fwd P/E 11.70

P/S ratio 2.23

P/B ratio 1.37

Past 5Y EPS Growth 19.49%

This Y EPS Growth 15.90%

Next Y EPS Growth 5.11%

Next Y revenue growth (29.69%)

Next 5Y EPS Growth 9.56%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 34.46%

10-year low 10-year high

P/S against its own 10 years 42.98%

10-year low 10-year high

P/B against its own 10 years 69.30%

10-year low 10-year high

Dividends

Payout Ratio 0.17

Annual Dividend Rate 2.15

Annual Dividend Yield 1.49%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	2.20	0.55 0.55 0.55
2025	2.00	0.50 0.50 0.50 0.50
2024	1.80	0.45 0.45 0.45 0.45
2023	1.60	0.40 0.40 0.40 0.40
2022	1.36	0.34 0.34 0.34 0.34
2021	1.24	0.31 0.31 0.31 0.31
2020	1.12	0.28 0.28 0.28 0.28
2019	1.00	0.25 0.25 0.25 0.25
2018	0.76	0.19 0.19 0.19 0.19
2017	0.56	0.14 0.14 0.14 0.14
2016	0.48	0.12 0.12 0.12 0.12

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	2,512	4,872	3,648	4,170
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	46,846	54,652	59,168	61,496

	2023	2024	2025	Q'26
Payables	45,397	52,512	57,717	61,141
ST’ Debt	—	—	—	—
Other	—	—	—	—
	47,197	54,297	59,402	62,769

Compound Annual Growth %

	10y	5y	3y
Sales	15.63%	17.39%	24.19%
Cash Flow	37.04%	0.00%	(12.84%)
Earnings	18.16%	23.30%	17.13%
Book Value	11.93%	12.02%	14.81%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	1,062	1,103	—	—	—
’25	1,004	1,045	1,095	1,087	4,230
’24	946	971	1,022	1,027	3,966
’23	747	810	875	895	3,327
’22	491	475	568	675	2,208
’21	492	449	459	462	1,862
’20	457	492	482	466	1,897

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	927	255	—	—	—
’25	120	329	210	252	910
’24	71	221	(62)	491	722
’23	68	340	88	248	744
’22	458	365	232	320	1,375
’21	217	432	82	400	1,131
’20	(380)	10	(53)	(95)	(518)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	914	238	—	—	—
’25	127	312	193	229	860
’24	61	182	(78)	471	636
’23	59	340	68	231	698
’22	450	350	218	304	1,322
’21	212	424	71	366	1,074
’20	(401)	(7)	(70)	(105)	(582)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	3.22	3.30	—	—	—
’25	2.69	2.78	2.78	3.15	11.40
’24	2.89	2.32	2.47	2.63	10.31
’23	2.80	2.38	2.53	1.87	9.58
’22	2.07	1.49	2.21	2.23	8.02
’21	2.54	1.70	1.77	1.58	7.58
’20	1.04	0.34	1.67	1.63	4.68

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	37.96	64.14	61.53	59.34	22.02	59.88	76.13	57.48	89.68	89.10	Analyst estimates 2026–2028 Powerpack
	High	73.94	86.80	99.96	78.25	71.90	97.11	105.56	98.23	142.04	144.70
People
People	Employees	3,878	4,075	4,727	5,057	5,364	5,239	5,275	5,521	5,903	5,902
	Revenue/emp, $m	0.29	0.31	0.32	0.35	0.35	0.36	0.42	0.60	0.67	0.72
Income, $m
Income, $m	Revenue	1,138	1,266	1,527	1,792	1,897	1,862	2,208	3,327	3,966	4,230
	Gross margin, %	92.07	90.96	86.52	81.58	86.66	91.91	88.59	68.28	61.80	64.44
	EBT	332	390	460	480	390	638	701	845	947	1,118
	EBT margin, %	29.16	30.81	30.13	26.79	20.54	34.26	31.72	25.40	23.88	26.44
	Net income	207	258	343	356	293	466	510	623	695	824
	Depreciation	59	69	75	95	107	108	84	86	98	108
Per share, $
Per share, $	Revenue	22.63	23.14	27.12	31.52	32.98	32.66	37.30	54.41	62.27	63.23
	Earnings	3.83	4.53	5.95	6.11	4.72	7.69	8.14	9.72	10.47	11.57
	Cash flow	6.18	7.34	6.70	4.68	(9.01)	19.84	23.22	12.17	11.33	13.61
	Capex	(0.67)	(1.08)	(1.21)	(1.44)	(1.11)	(1.00)	(0.90)	(0.76)	(1.35)	(0.75)
	Free cash flow	5.51	6.26	5.49	3.24	(10.12)	18.84	22.32	11.41	9.98	12.86
	Book value	53.61	54.42	58.04	64.92	71.55	78.93	81.02	88.30	99.62	108.51
	Shares, m	50	55	56	57	58	57	59	61	64	67
Valuation, ×
Valuation, ×	P/E	18.93	18.17	11.19	11.60	12.97	11.81	10.29	9.53	11.91	12.07
	P/S	3.20	3.56	2.45	2.25	1.85	2.78	2.24	1.70	2.00	2.21
	P/B	1.49	1.58	1.19	1.13	0.95	1.27	1.13	1.14	1.34	1.37
	EV/Sales	2.81	3.46	2.27	1.88	0.44	0.60	2.75	2.05	1.84	2.41
	EV/FCF	11.53	12.79	11.21	18.27	(1.42)	1.04	4.60	9.77	11.50	11.84
Cash, $m
Cash, $m	Operating cash flow	311	402	377	266	(518)	1,131	1,375	744	722	910
	Capex	(34)	(59)	(68)	(82)	(64)	(57)	(53)	(46)	(86)	(50)
	Free cash flow	277	342	309	184	(582)	1,074	1,322	698	636	860
Balance, $m
Balance, $m	Working capital	(237)	122	(366)	(596)	1,200	(264)	(513)	(351)	355	(234)
	Total debt	809	1,218	1,213	1,783	2,437	2,426	3,604	3,663	4,238	4,481
	Net debt	(444)	(123)	(281)	(669)	(2,688)	(4,059)	1,123	1,151	(634)	833
	Shareholders’ equity	2,696	2,977	3,268	3,691	4,116	4,499	4,797	5,400	6,344	7,259
Returns, %
Returns, %	ROA	0.79	0.93	1.13	1.02	0.66	0.92	0.93	1.09	1.10	1.14
	ROIC	9.21	8.54	9.63	9.93	17.06	90.69	7.40	8.06	10.37	8.64
	ROE	8.46	9.36	11.18	10.36	7.47	11.25	11.37	12.69	12.22	12.13

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FHN First Horizon Corporation	$10.8B	15.9×	11.3×	−39.55% (below 0%: shrinking)	n/m	+664.86% (above 0%: growing)	52.50%	0.00%	Compare
CIB Grupo Cibest S.A. - Sponsored ADR	$10.7B	19.1×	—	+178.87% (above 0%: growing)	+85.47% (above 0%: growing)	−187.28% (below 0%: shrinking)	71.39%	0.00%	Compare
BPOP Popular, Inc.	$10.0B	10.7×	10.1×	+4.48% (above 0%: growing)	+40.78% (above 0%: growing)	+46.43% (above 0%: growing)	75.20%	0.00%	Compare
UMBF UMB Financial Corporation	$10.0B	10.9×	10.0×	+4.12% (above 0%: growing)	+26.06% (above 0%: growing)	+22.27% (above 0%: growing)	69.66%	0.00%	Compare
SSB SouthState Bank Corporation	$9.8B	10.7×	10.1×	+0.83% (above 0%: growing)	+11.32% (above 0%: growing)	+408.25% (above 0%: growing)	71.95%	0.00%	Compare
WTFC Wintrust Financial Corporation	$9.7B	11.4×	11.7×	+5.52% (above 0%: growing)	+18.44% (above 0%: growing)	−23.80% (below 0%: shrinking)	66.99%	0.00%
CFR Cullen/Frost Bankers, Inc.	$9.6B	14.7×	13.2×	+0.53% (above 0%: growing)	+12.97% (above 0%: growing)	−106.23% (below 0%: shrinking)	79.66%	0.00%	Compare
ONB Old National Bancorp	$9.6B	11.1×	9.3×	+9.45% (above 0%: growing)	+91.18% (above 0%: growing)	+330.77% (above 0%: growing)	69.90%	0.00%	Compare
ZION Zions Bancorporation, N.A.	$9.2B	8.1×	9.7×	+19.18% (above 0%: growing)	+87.12% (above 0%: growing)	+518.28% (above 0%: growing)	76.88%	0.00%	Compare
Median of peers	$9.9B	11.0×	10.1×	+4.30%	+40.78%	+188.60%	71.67%	0.00%

All 323 Banks Regional stocks →

Wintrust Financial Corporation (WTFC) key facts

Strength: Wintrust Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.2 billion, up 6.66% from fiscal 2024.
Wintrust Financial Corporation (WTFC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, WTFC traded at $143.90, a market capitalization of $9.7 billion.
Wintrust Financial Corporation pays an annual dividend of $2.15 per share, a yield of 1.49%, with a payout ratio of 17.3%.
Return on equity was 12.1% and debt-to-equity 0.58.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.