Wintrust Financial Corporation (WTFC) Financial Statements

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Wintrust Financial financial statements at a glance

Wintrust Financial reported revenue of $2.73 billion for fiscal year 2025 (ended December 31, 2025), up 11.2% from fiscal year 2024. Net income was $774.15 million, a net margin of 28.4%.

At the end of fiscal year 2025 it had total assets of $71.14 billion, total liabilities of $63.88 billion and shareholders' equity of $7.26 billion, with cash of $3.65 billion and total debt of $4.48 billion.

Its operations brought in $910.35 million of cash; capital spending was $49.95 million, leaving free cash flow of $860.40 million.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in USD; latest fiscal year ended December 31, 2025.

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Wintrust Financial Corporation

WTFCUnited States
Financial Services
USD (Local)

Income Statement

Annual • USD

Total Revenue
2.73B
Prev Year: 2.45B
YoY: +11.2%
Net Interest Income
2.22B
Prev Year: 1.96B
YoY: +13.3%
Interest Income
3.73B
Prev Year: 3.48B
YoY: +7.2%
Interest Expense
1.50B
Prev Year: 1.52B
YoY: -0.7%
Salaries and Wages
873.29M
Prev Year: 817.11M
YoY: +6.9%
Operating Revenue
2.73B
Occupancy And Equipment
266.95M
Prev Year: 244.31M
YoY: +9.3%
Professional and Contract Services Expense
34.03M
Prev Year: 40.64M
YoY: -16.3%
Other Noninterest Expense
208.63M
Prev Year: 180.65M
YoY: +15.5%
Special Income Charges
499.0K
Prev Year: -5.16M
YoY: +109.7%
Provision for Credit Losses
-
Prev Year: -101.05M
Pre-tax Income
1.12B
Prev Year: 947.09M
YoY: +18.1%
Non Interest Expense
-
Prev Year: 1.40B
Provision for Income Taxes
294.56M
Prev Year: 252.04M
YoY: +16.9%
Net Income Common Stockholders
774.15M
Prev Year: 667.08M
YoY: +16.1%
Net Income
823.84M
Prev Year: 695.04M
YoY: +18.5%
Net Income Including Non-Controlling Interests
823.84M
Prev Year: 695.04M
YoY: +18.5%
Net Income from Continuing Operations
823.84M
Prev Year: 695.04M
YoY: +18.5%
Diluted NI Available to Com Stockholders
774.15M
Prev Year: 667.08M
YoY: +16.1%
Net Income from Continuing and Discontinued Operation
823.84M
Prev Year: 695.04M
YoY: +18.5%
Normalized Income
823.48M
Prev Year: 698.83M
YoY: +17.8%
Average Dilution Earnings
-
Reconciled Depreciation
118.78M
Prev Year: 100.08M
YoY: +18.7%
Basic EPS
-
Prev Year: 10.47
Net Income from Continuing Operation Net Minority Interest
823.84M
Prev Year: 695.04M
YoY: +18.5%
Diluted EPS
-
Prev Year: 10.31
Total Unusual Items Excluding Goodwill
499.0K
Prev Year: -5.16M
YoY: +109.7%
Weighted Average Shares (basic)
-
Prev Year: 63.69M
Total Unusual Items
499.0K
Prev Year: -5.16M
YoY: +109.7%
Weighted Average Shares (diluted)
-
Prev Year: 64.70M
Tax Rate for Calcs
0.263
Prev Year: 0
Interest Income After Provision for Loan Loss
-
Prev Year: 1.86B
Tax Effect of Unusual Items
131.2K
Prev Year: -1.37M
YoY: +109.6%
Otherunder Preferred Stock Dividend
14.05M
Preferred Stock Dividends
35.64M
Prev Year: 27.96M
YoY: +27.5%
Total Money Market Investments
-
Prev Year: 115.62M
Other Special Charges
-499.0K
Prev Year: 5.16M
YoY: -109.7%
Gain on Sale of Securities
8.32M
Prev Year: -2.60M
YoY: +419.9%
Depreciation Amortization Depletion
21.39M
Prev Year: 12.10M
YoY: +76.9%
Depreciation and amortization
21.39M
Prev Year: 12.10M
YoY: +76.9%
Amortization
21.39M
Prev Year: 12.10M
YoY: +76.9%
Amortization of Intangibles
21.39M
Prev Year: 12.10M
YoY: +76.9%
Selling General and Administrative
981.52M
Prev Year: 919.88M
YoY: +6.7%
Selling and Marketing Expense
63.85M
Prev Year: 61.81M
YoY: +3.3%
General and Administrative Expense
917.67M
Prev Year: 858.07M
YoY: +6.9%
Insurance and Claims
44.38M
Prev Year: 40.96M
YoY: +8.3%
Values in USD

Wintrust Financial key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue$2.7B$2.5B$2.3B$2.0B$1.7B
Net income$774.2M$667.1M$594.7M$481.7M$438.2M
Diluted EPS–$10.31$9.58$8.02$7.58
Total assets$71.1B$64.9B$56.3B$52.9B$50.1B
Total liabilities$63.9B$58.5B$50.9B$48.2B$45.6B
Shareholders' equity$7.3B$6.3B$5.4B$4.8B$4.5B
Cash$3.6B$4.9B$2.5B$2.5B$5.8B
Total debt$4.5B$4.2B$3.6B$3.6B$2.4B
Operating cash flow$910.3M$721.6M$744.4M$1.4B$1.1B
Capital spending$50.0M$86.0M$46.4M$53.4M$57.1M
Free cash flow$860.4M$635.5M$698.0M$1.3B$1.1B

In USD. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was Wintrust Financial's revenue in fiscal year 2025?

$2.73 billion, up 11.2% from $2.45 billion in fiscal year 2024.

How much profit does Wintrust Financial make?

Wintrust Financial reported net income of $774.15 million for fiscal year 2025 (28.4% of revenue).

How much cash and debt does Wintrust Financial have?

At the end of fiscal year 2025: cash of $3.65 billion and total debt of $4.48 billion.

What is Wintrust Financial's free cash flow?

$860.40 million in fiscal year 2025 (operating cash flow of $910.35 million minus capital spending of $49.95 million).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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