Wintrust Financial Corp (WTFC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Wintrust Financial reported revenue of $2.73B, up 11.2% from $2.45B the year before. Net income was $823.8M (a 30.2% net margin), or $11.40 per diluted share. Net interest income was $2.22B, and the efficiency ratio (noninterest expense / revenue) was 55.5%. Operating activities generated $910.3M of cash, leaving $860.4M of free cash flow. At fiscal year end, Wintrust Financial held $71.14B in total assets against $63.88B in total liabilities.
Open the full interactive Wintrust Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Wintrust Financial Key Stats
| Share Price | $142.79 |
|---|---|
| Market Cap | $9.75B |
| P/E Ratio | 12.5 |
| Dividend Yield | 1.84% |
| Revenue YoY Growth | +11.2% |
| 52-Week Range | $118.51 – $166.33 |
| Shares Outstanding | 67.4 million (basic, 2026 Q2) |
Wintrust Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $1.04B | $1.12B | $1.50B | $1.84B | $1.96B | $2.22B |
| Provision for Credit Losses | $214.2M | -$59.3M | $78.6M | $114.4M | $101.0M | $95.6M |
| Noninterest Income | $604.2M | $586.1M | $461.1M | $434.1M | $488.3M | $501.9M |
| Noninterest Expense | $1.04B | $1.13B | $1.18B | $1.31B | $1.40B | $1.51B |
| Revenue | $1.64B | $1.71B | $1.96B | $2.27B | $2.45B | $2.73B |
| Pre-Tax Income | $389.8M | $637.8M | $700.6M | $845.1M | $947.1M | $1.12B |
| Income Tax | $96.8M | $171.6M | $190.9M | $222.5M | $252.0M | $294.6M |
| Net Income | $293.0M | $466.2M | $509.7M | $622.6M | $695.0M | $823.8M |
| Diluted EPS | $4.68 | $7.58 | $8.02 | $9.58 | $10.31 | $11.40 |
Wintrust Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $697.8M | $714.3M | $713.2M | $738.6M |
| Net Income | $216.3M | $223.0M | $227.4M | $233.7M |
| Diluted EPS | $2.78 | $3.28 | $3.22 | $3.30 |
Wintrust Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Total Assets | $45.08B | $50.14B | $52.95B | $56.26B | $64.88B | $71.14B |
| Deposits | $37.09B | $42.10B | $42.90B | $45.40B | $52.51B | $57.72B |
| Total Long-Term Debt | $2.88B | $2.91B | $4.18B | $4.30B | $4.77B | $4.96B |
| Total Liabilities | $40.96B | $45.64B | $48.15B | $50.86B | $58.54B | $63.88B |
| Shareholders' Equity | $4.12B | $4.50B | $4.80B | $5.40B | $6.34B | $7.26B |
Wintrust Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$518.5M | $1.13B | $1.38B | $744.4M | $721.6M | $910.3M |
| Cash From Investing | -$7.18B | -$5.93B | -$3.49B | -$3.24B | -$5.95B | -$6.17B |
| Cash From Financing | $7.74B | $4.89B | $2.20B | $2.43B | $5.26B | $5.27B |
| Free Cash Flow | -$582.1M | $1.07B | $1.32B | $698.0M | $635.5M | $860.4M |
| Dividends Paid | $85.9M | $98.6M | $108.2M | $125.7M | $143.3M | $169.4M |
Figures from Wintrust Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Wintrust Financial financials page for every line item.
Wintrust Financial Company Profile
| Ticker | WTFC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Rosemont, Illinois |
| Incorporated in | Illinois |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001015328 |
Frequently Asked Questions
What was Wintrust Financial's revenue in fiscal 2025?
Wintrust Financial (WTFC) reported revenue of $2.73B for fiscal 2025.
What is Wintrust Financial's annual revenue history?
Wintrust Financial's annual revenue by fiscal year: 2020: $1.64B; 2021: $1.71B; 2022: $1.96B; 2023: $2.27B; 2024: $2.45B; 2025: $2.73B.
What was Wintrust Financial's net income in fiscal 2025?
Wintrust Financial reported net income of $823.8M for fiscal 2025.
What was Wintrust Financial's earnings per share (EPS) in fiscal 2025?
Wintrust Financial's diluted EPS was $11.40 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Wintrust Financial generate in fiscal 2025?
Wintrust Financial generated $860.4M of free cash flow in fiscal 2025.
What was Wintrust Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Wintrust Financial reported revenue of $738.6M.
How much debt does Wintrust Financial have?
Wintrust Financial reported $4.96B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Wintrust Financial are outstanding?
Wintrust Financial reported a weighted average of 67.4 million basic shares outstanding in 2026 Q2.
What is Wintrust Financial's market cap?
Based on its latest closing price, Wintrust Financial (WTFC) has a market capitalization of about $9.75B.
When does Wintrust Financial's fiscal year end?
Wintrust Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Wintrust Financial headquartered?
Wintrust Financial lists its business address in Rosemont, Illinois in its SEC filings.