Company research
WINTRUST FINANCIAL CORP
CIK 1015328Updated Sep 24, 2026
SecuritiesWTFC · NASDAQ · etfWTFCN · NASDAQ · preferred
Historical securities (1)
WTFCW · NASDAQ · warrant · closed Dec 3, 2024WTFC price & chart
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NASDAQ:WTFC on TradingView ↗About the company
Wintrust is a financial holding company whose common stock is traded on the NASDAQ Global Select Market. Guided by its “Different Approach, Better Results” philosophy, Wintrust offers the sophisticated resources of a large bank while providing a community banking experience to each customer. Wintrust operates more than 200 retail banking locations through 16 community bank subsidiaries in the greater Chicago, southern Wisconsin, west Michigan, northwest Indiana, and southwest Florida market areas. In addition, Wintrust operates various non-bank business units, providing residential mortgage origination, wealth management, commercial and life insurance premium financing, short-term accounts receivable financing/outsourced administrative services to the temporary staffing services industry, and qualified intermediary services for tax-deferred exchanges.
In the news
Wintrust Financial Corporation Reports Record Net Income ↗
Wintrust to purchase Northern Trust guardianship services business ↗
Recent filings
Financials
FY 2025 · USDSource
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Source
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 71,142,046,000Source | 64,879,668,000Source | 56,259,934,000Source | 52,949,649,000Source |
| Property, Plant and Equipment, NetUSD | 781,611,000Source | 779,130,000Source | 748,966,000Source | 764,798,000Source |
| GoodwillUSD | 797,960,000Source | 796,942,000Source | 656,672,000Source | 653,524,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 97,999,000Source | 121,690,000Source | 22,889,000Source | 22,186,000Source |
| Current assets: | ||||
| Accounts Receivable | — | — | — | — |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 63,883,331,000Source | 58,535,371,000Source | 50,860,408,000Source | 48,152,811,000Source |
| Stockholders’ equity: | ||||
| Common Stock, Value, IssuedUSD | 67,062,000Source | 66,560,000Source | 61,269,000Source | 60,797,000Source |
| Additional Paid in CapitalUSD | 2,534,024,000Source | 2,482,561,000Source | 1,943,806,000Source | 1,902,474,000Source |
| Retained Earnings (Accumulated Deficit)USD | 4,537,539,000Source | 3,897,164,000Source | 3,345,399,000Source | 2,849,007,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -295,754,000Source | -508,335,000Source | -361,231,000Source | -427,636,000Source |
| Stockholders' Equity Attributable to ParentUSD | 7,258,715,000Source | 6,344,297,000Source | 5,399,526,000Source | 4,796,838,000Source |
| Liabilities and EquityUSD | 71,142,046,000Source | 64,879,668,000Source | 56,259,934,000Source | 52,949,649,000Source |
| Additional Financial Items | ||||
| Deferred Tax Liabilities, NetUSD | 70,538,000Source | — | — | — |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation, Depletion and AmortizationUSD | 66,900,000Source | 61,400,000Source | 56,900,000Source | 53,100,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 41,551,000Source | 38,108,000Source | 33,495,000Source | 31,748,000Source |
| Deferred Income Tax Expense (Benefit)USD | 44,841,000Source | 11,011,000Source | -19,707,000Source | 22,057,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 910,348,000Source | 721,557,000Source | 744,376,000Source | 1,375,000,000Source |
| Cash flows from investing activities: | ||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | 0Source | -531,308,000Source | 5,147,000Source | 0Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -6,168,623,000Source | -5,946,363,000Source | -3,237,816,000Source | -3,490,769,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 49,951,000Source | 86,032,000Source | 46,406,000Source | 53,449,000Source |
| Cash flows from financing activities: | ||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | 3,003,000Source | 3,936,000Source | 1,913,000Source | 304,000Source |
| Payments for Repurchase of Common StockUSD | — | — | 0Source | 0Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 5,267,677,000Source | 5,259,878,000Source | 2,425,938,000Source | 2,195,530,000Source |
| Dividends paid | — | — | — | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 9,402,000Source | 35,072,000Source | -67,502,000Source | 79,761,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 467,938,000Source | 458,536,000Source | 423,464,000Source | 490,966,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 1,489,462,000Source | 1,517,813,000Source | 1,026,311,000Source | 239,209,000Source |
| Income Taxes Paid, NetUSD | 222,412,000Source | 252,851,000Source | 231,653,000Source | 153,499,000Source |
| Additional Financial Items | ||||
| Share-based Payment Arrangement, ExpenseUSD | 42,000,000Source | 38,900,000Source | 33,500,000Source | 31,700,000Source |
| Amortization of Intangible AssetsUSD | 21,393,000Source | 12,095,000Source | 5,498,000Source | 6,116,000Source |
| Depreciation, Amortization and Accretion, NetUSD | 118,778,000Source | 100,079,000Source | 84,764,000Source | 82,070,000Source |
| Derivative, Gain (Loss) on Derivative, NetUSD | 6,140,000Source | -61,035,000Source | 3,048,000Source | -1,691,000Source |
| Equipment ExpenseUSD | 142,362,000Source | 122,794,000Source | 104,632,000Source | 95,885,000Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | 7,905,000Source | -1,300,000Source | 1,148,000Source | -8,708,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | 2,098,000Source | 3,730,000Source | 688,000Source | 12,158,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 95,800,000Source | 100,900,000Source | 114,531,000Source | 78,179,000Source |
| Gain (Loss) on InvestmentsUSD | 8,323,000Source | -2,602,000Source | 1,525,000Source | -20,427,000Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | 65,291,000Source | 46,430,000Source | 37,738,000Source | 43,391,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | -438,000Source | -336,000Source | -1,290,000Source | -2,845,000Source |
| GoodwillUSD | 797,960,000Source | 796,942,000Source | 656,672,000Source | 653,524,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | 294,563,000Source | 252,044,000Source | 222,455,000Source | 190,873,000Source |
| Marketable Securities, Realized Gain (Loss), Excluding Other-than-temporary Impairment LossUSD | 2,536,000Source | 2,428,000Source | 1,065,000Source | 439,000Source |
| Net Income (Loss) Attributable to ParentUSD | 823,844,000Source | 695,045,000Source | 622,626,000Source | 509,682,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 774,154,000Source | 667,081,000Source | 594,662,000Source | 481,718,000Source |
| Operating Lease, Lease IncomeUSD | 62,284,000Source | 58,710,000Source | 53,298,000Source | 55,510,000Source |
| Proceeds from Issuance of Common StockUSD | — | 0Source | 0Source | 285,729,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | 386,259,000Source |
| Proceeds from Stock Options ExercisedUSD | 220,000Source | 86,457Source | 2,200,000Source | 5,200,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 95,553,000Source | 101,047,000Source | 114,390,000Source | 78,589,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | 265,635,000Source | 250,742,000Source | 220,443,000Source | 217,719,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 1,118,407,000Source | 947,089,000Source | 845,081,000Source | 700,555,000Source |
| Income Tax Expense (Benefit)USD | 294,563,000Source | 252,044,000Source | 222,455,000Source | 190,873,000Source |
| Net Income (Loss) Attributable to ParentUSD | 823,844,000Source | 695,045,000Source | 622,626,000Source | 509,682,000Source |
| Earnings Per Share, BasicUSD per share | 11.57Source | 10.47Source | 9.72Source | 8.14Source |
| Earnings Per Share, DilutedUSD per share | 11.4Source | 10.31Source | 9.58Source | 8.02Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 66,896,000Source | 63,685,000Source | 61,149,000Source | 59,205,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 67,894,000Source | 64,701,000Source | 62,087,000Source | 60,091,000Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 21,393,000Source | 12,095,000Source | 5,498,000Source | 6,116,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 2Source | 1.8Source | 1.6Source | 1.36Source |
| Current Income Tax Expense (Benefit)USD | 249,722,000Source | 241,033,000Source | 242,162,000Source | 168,816,000Source |
| Equipment ExpenseUSD | 142,362,000Source | 122,794,000Source | 104,632,000Source | 95,885,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | 2,098,000Source | 3,730,000Source | 688,000Source | 12,158,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 95,800,000Source | 100,900,000Source | 114,531,000Source | 78,179,000Source |
| Gain (Loss) on InvestmentsUSD | 8,323,000Source | -2,602,000Source | 1,525,000Source | -20,427,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | 1,503,981,000Source | 1,515,062,000Source | 1,055,250,000Source | 252,081,000Source |
| Interest Income (Expense), NetUSD | 2,224,052,000Source | 1,962,535,000Source | 1,837,864,000Source | 1,495,362,000Source |
| Interest Revenue (Expense), NetUSD | 2,224,052,000Source | 1,962,535,000Source | — | — |
| Labor and Related ExpenseUSD | 873,292,000Source | 817,108,000Source | 748,013,000Source | 696,107,000Source |
| Marketable Securities, Realized Gain (Loss), Excluding Other-than-temporary Impairment LossUSD | 2,536,000Source | 2,428,000Source | 1,065,000Source | 439,000Source |
| Marketing and Advertising ExpenseUSD | 63,852,000Source | 61,812,000Source | 65,075,000Source | 59,418,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 774,154,000Source | 667,081,000Source | 594,662,000Source | 481,718,000Source |
| Operating Lease, Lease IncomeUSD | 62,284,000Source | 58,710,000Source | 53,298,000Source | 55,510,000Source |
| Preferred Stock Dividends and Other AdjustmentsUSD | — | 27,964,000Source | 27,964,000Source | 27,964,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | 35,644,000Source | — | — | — |
Filing attachments
tm2517857d1_ex99-1.htm · 8-K · 2025-06-13
EX-99.1 2 tm2517857d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE June 13, 2025 FOR MORE INFORMATION CONTACT: Timothy S. Crane, President & Chief Executive Officer David A. Dykstra, Vice Chairman & Chief Operating Officer (847) 939-9000 Wintrust Financial Corporation Announces Redemption of All Outstanding Series D and Series E Preferred Stock and Related Depositary Shares ROSEMONT, IL ⸺ Wintrust Financial Corporation (“Wintrust”) (Nasdaq: WTFC) today announced that on …
Read attachment ↗tm2515739d3_ex4-2.htm · 8-K · 2025-05-22
EX-4.2 2 tm2515739d3_ex4-2.htm EXHIBIT 4.2 Exhibit 4.2 DEPOSIT AGREEMENT among Wintrust Financial Corporation, as Issuer U.S. Bank Trust Company, National Association, as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of May 22, 2025 TABLE OF CONTENTS Page ARTICLE I DEFINED TERMS 1 Section 1.1. Definitio…
Read attachment ↗