Wintrust Financial Corporation

Wintrust Financial Corporation

WTFCยทNASDAQ

$148.02

-0.77%
Financial ServicesBanks - Regional

Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

At a Glance

Live Snapshot
Market Cap$9.98B
EPS11.5800
P/E Ratio12.78
Earnings Date07/20/2026
3Y+92.0%
5Y+123.0%
10Y+275.0%
3Y+62.0%
5Y+181.0%
10Y+298.0%
3Y-34.0%
5Y-276.0%
10Y+193.0%
Wintrust Financial Corporation

Wintrust Financial Corporation Profit Bridge

WTFC ยท NASDAQ
Revenue4.23B
Cost of Goods Sold (1.60B)
Gross Profit2.63B
Operating Expenses (1.51B)
Operating Income1.12B
Interest Expense (1.50B)
Other Income/Expense0.00
Pretax Income1.12B
Income Tax (294.56M)
Net Income823.84M
Net Income
823.84M

Profitability Analysis

Gross Margin

62.2%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

26.4%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

19.5%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

26.3%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Wintrust Financial Corporation Income Statement

WTFC โ€ข NASDAQ

Wintrust Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
4.2B
4B
3.3B
2.2B
1.9B
1.9B
1.8B
1.5B
1.3B
1.1B
984.6M
880.1M
848M
841.5M
753.7M
737M
686.2M
610.6M
685.1M
645.3M
GROSS PROFIT
(1.6B)
(1.6B)
(1.2B)
(330.7M)
(91.3M)
(467.3M)
(384.1M)
(240.7M)
(144.2M)
(124.3M)
(109.9M)
(93.2M)
(126.1M)
(183.9M)
(247.1M)
(301.9M)
(383.7M)
(327.6M)
(364.9M)
(316.1M)
2.6B
2.3B
2.2B
1.9B
1.8B
1.4B
1.4B
1.3B
1.1B
1B
874.7M
786.9M
721.9M
657.5M
506.6M
435.1M
302.5M
283M
320.2M
329.2M
OPERATING INCOME
(1.5B)
(1.4B)
(1.3B)
(1.2B)
(1.1B)
(1B)
(925.2M)
(821.8M)
(727.1M)
(672.6M)
(622.9M)
(540.5M)
(497.5M)
(477.4M)
(378.6M)
(334.3M)
(185M)
(252.4M)
(236.4M)
(225M)
(1B)
(919.9M)
(849.8M)
(784.2M)
(766M)
(687.4M)
(604.2M)
(538.4M)
(477.1M)
(446M)
(416.4M)
(361.2M)
(332.6M)
(311.4M)
(260.3M)
(240.1M)
(213.4M)
(156M)
(150.8M)
(143M)
1.1B
947.1M
845.1M
700.6M
637.8M
389.8M
480.1M
460.1M
390M
331.9M
251.8M
246.4M
224.4M
180.1M
128M
100.8M
117.5M
30.6M
83.8M
104.2M
PRE-TAX INCOME
(1.5B)
(1.5B)
(1.1B)
(252.1M)
(150.5M)
(253.1M)
(330.2M)
(205.9M)
(114.4M)
(90.3M)
(76.9M)
(72.7M)
(80.1M)
(107.5M)
(144.4M)
(177.3M)
(215.7M)
(270.2M)
(350M)
(309.1M)
2.2B
2B
1.8B
1.5B
1.1B
1B
1.1B
964.9M
832.1M
722.2M
641.5M
598.6M
550.6M
519.5M
461.4M
415.8M
311.9M
244.6M
261.6M
248.9M
(508.2M)
(482.8M)
(462.7M)
(393.1M)
(366.6M)
(352.7M)
(321M)
(283.4M)
(249.9M)
(226.6M)
(206.6M)
(179.2M)
(164.9M)
(165.9M)
(118.3M)
(94.2M)
-28.5M
(96.4M)
(85.6M)
(82M)
1.1B
947.1M
845.1M
700.6M
637.8M
389.8M
480.1M
460.1M
390M
331.9M
251.8M
246.4M
224.4M
180.1M
128M
100.8M
117.5M
30.6M
83.8M
104.2M
NET INCOME
(294.6M)
(252M)
(222.5M)
(190.9M)
(171.6M)
(96.8M)
(124.4M)
(117M)
(132.3M)
(125M)
(95M)
(95M)
(87.2M)
(68.9M)
(50.5M)
(37.5M)
(44.4M)
(10.2M)
(28.2M)
(37.7M)
823.8M
695M
622.6M
509.7M
466.2M
293M
355.7M
343.2M
257.7M
206.9M
156.7M
151.4M
137.2M
111.2M
77.6M
63.3M
73.1M
20.5M
55.7M
66.5M

SEC Filings

WTFC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 29, 2026
May 28, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 20, 2026
April 20, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 09, 2026
May 28, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 20, 2026
January 20, 2026
2026
8-K

8-K 2025

N/A

December 16, 2025
December 15, 2025
2025
8-K

8-K 2025

N/A

December 08, 2025
December 04, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 06, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 20, 2025
October 20, 2025
2025
Showing 1 to 10 of 516 filings