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Wintrust Financial Corporation

WTFC Financial Banks Regional

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%
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% (at or above 15%: strong)
This Y EPS Growth 15.90% (at or above 15%: strong)
Next Y EPS Growth 5.11%
Next Y revenue growth (29.69%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Wintrust Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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.

Source: company filings (standardised) and stockrow calculations.

Wintrust Financial Corporation (WTFC) Latest News

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stockrow.com/WTFC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com