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+34.0%
5Y+58.0%
10Y+177.0%
3Y+33.0%
5Y+56.0%
10Y+178.0%
3Y+51.0%
5Y+76.0%
10Y+169.0%
wtfc

Wintrust Financial Corporation Funding & Solvency Profile

WTFC ยท NASDAQ
Cash & Cash Equivalents467.87M
Net Receivables0.00
Inventory0.00
Other Current Assets0.00
Total Current Assets7 B
Property, Plant & Equipment781.61M
Goodwill & Intangible Assets895.96M
Long-Term Investments53.11B
Other Non-Current Assets9.66B
Total Non-Current Assets64 B
Total Assets
71.14B

Financial Health Analysis

Current Ratio

0.14x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.80x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-41765279000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

9% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Wintrust Financial Corporation Balance Sheet

WTFC โ€ข NASDAQ

Wintrust Financial Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
467.9M
4.9B
2.5B
2.5B
5.8B
5.1B
2.5B
1.5B
1.3B
1.2B
879.2M
1.2B
749M
1.3B
897.3M
1B
1.2B
342.8M
180.6M
188.3M
6.2B
3.9B
3.3B
3B
2.1B
2.8B
3.1B
2.1B
1.8B
1.7B
1.7B
1.8B
2.2B
1.8B
1.3B
1.5B
1.3B
784.7M
1.3B
1.8B
6.7B
8.8B
5.8B
5.5B
7.9B
7.9B
5.6B
3.6B
3.1B
3B
2.6B
3B
2.9B
3.1B
2.2B
2.5B
2.4B
1.1B
1.5B
2B
0.0
18.1M
701.3M
938.1M
26.1M
17.4M
16.6M
276.1M
116.4M
25.2M
27.6M
509.8M
31M
24.9M
662M
24.5M
20.9M
806.5M
108.4M
24M
0.0
18.1M
10.6M
16.4M
26.1M
17.4M
16.6M
12.6M
26.4M
25.2M
27.6M
24.2M
31M
24.9M
27.9M
24.5M
20.9M
17.9M
24.2M
24M
0.0
0.0
690.7M
921.7M
0.0
0.0
0.0
263.5M
90M
0.0
0.0
485.5M
0.0
0.0
634M
0.0
0.0
788.6M
84.2M
0.0
6.7B
8.8B
6.5B
6.4B
7.9B
7.9B
5.6B
3.9B
3.3B
3B
2.6B
3.5B
3B
3.1B
2.9B
2.5B
2.4B
1.9B
1.6B
2.1B
NON-CURRENT ASSETS
781.6M
1.1B
1B
1B
1B
1B
985.5M
904.4M
834.2M
726.7M
655.4M
555.2M
531.9M
501.2M
431.5M
363.7M
350.3M
349.9M
339.3M
311M
798M
796.9M
656.7M
653.5M
655.1M
645.7M
645.2M
573.1M
501.9M
498.6M
471.8M
405.6M
374.5M
345.4M
305.5M
281.2M
278M
276.3M
276.2M
268.9M
98M
121.7M
22.9M
22.2M
28.3M
36M
47.1M
49.4M
17.6M
21.9M
24.2M
18.8M
19.2M
20.9M
22.1M
12.6M
13.6M
14.6M
17.7M
21.6M
896M
918.6M
679.6M
675.7M
683.5M
681.7M
692.3M
619.2M
519.5M
520.4M
496M
424.4M
393.8M
366.3M
327.5M
293.8M
291.6M
290.9M
293.9M
290.5M
53.1B
52.1B
46.3B
43.2B
38.7B
34B
28.2B
25B
22.6B
20.7B
18.4B
14.9B
13.5B
12.7B
11.4B
10.2B
8.6B
7.6B
6.9B
6.6B
9.7B
2B
1.8B
1.6B
1.9B
1.5B
1.2B
789.8M
658.4M
732.1M
703.5M
611.7M
745.5M
830.2M
913.8M
590.8M
547.7M
471.2M
282M
319.4M
64.4B
56.1B
49.8B
46.5B
42.3B
37.2B
31B
27.4B
24.7B
22.7B
20.3B
16.5B
15.1B
14.4B
13B
11.4B
9.8B
8.7B
7.8B
7.5B
71.1B
64.9B
56.3B
52.9B
50.1B
45.1B
36.6B
31.2B
27.9B
25.7B
22.9B
20B
18.1B
17.5B
15.9B
14B
12.2B
10.7B
9.4B
9.6B
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
1.8B
1.6B
1.1B
200.9M
1B
669.6M
537.2M
505.5M
538K
3.8M
303.1M
331.2M
187.5M
155.3M
171M
121.7M
102.9M
104.1M
0.0
0.0
1.8B
1.6B
1.1B
0.0
1B
669.6M
537.2M
505.5M
0.0
0.0
0.0
331.2M
187.5M
155.3M
171M
121.7M
102.9M
104.1M
0.0
0.0
0.0
0.0
0.0
200.9M
0.0
0.0
0.0
0.0
538K
3.8M
303.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13.4M
307.6M
84.2M
74.4M
27M
52.6M
361.9M
98.7M
489.4M
48.6M
235.3M
238.4M
52.8M
1M
1M
1M
0.0
0.0
0.0
0.0
0.0
779.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
48.5B
52.5B
45.4B
42.9B
42.1B
37.1B
30.1B
26.1B
23.2B
21.7B
18.6B
16.3B
14.7B
14.4B
12.3B
10.8B
9.9B
8.4B
7.5B
7.9B
48.5B
52.5B
47.2B
44.9B
43.3B
37.4B
31.2B
26.8B
24.1B
22.3B
19.1B
16.3B
15.2B
15B
12.5B
11B
10.1B
8.5B
7.6B
8B
NON-CURRENT LIABILITIES
4.5B
4.2B
3.6B
3.3B
2.3B
2.4B
1.8B
1.2B
856.6M
710.1M
1B
1.3B
687M
716.7M
1.9B
1.6B
988.9M
1.1B
1.1B
825.2M
10.9B
1.8B
0.0
0.0
0.0
1.2B
0.0
0.0
0.0
0.0
390.3M
336.2M
303M
0.0
-52.8M
-1M
-1M
-1M
0.0
0.0
15.4B
6B
3.6B
3.3B
2.3B
3.6B
1.8B
1.2B
856.6M
710.1M
1.4B
1.6B
990M
716.7M
1.8B
1.6B
987.9M
1.1B
1.1B
825.2M
0.0
0.0
0.0
0.0
0.0
0.0
170.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
63.9B
58.5B
50.9B
48.2B
45.6B
41B
32.9B
28B
24.9B
23B
20.6B
17.9B
16.2B
15.7B
14.4B
12.5B
11.1B
9.6B
8.6B
8.8B
SHAREHOLDERS' EQUITY
-9.2M
-6.2M
-2.2M
-304K
-109.9M
-100.4M
-6.9M
-5.6M
-5M
-4.6M
-4M
-3.5M
-3M
-7.8M
-112K
0.0
-122.7M
-122.3M
-122.2M
-16.3M
425M
412.5M
412.5M
412.5M
412.5M
412.5M
125M
125M
125M
251.3M
251.3M
126.5M
126.5M
176.4M
49.8M
49.6M
284.8M
281.9M
0.0
0.0
67.1M
66.6M
61.3M
60.8M
58.9M
58.5M
58M
56.5M
56.1M
52M
48.5M
46.9M
46.2M
37.1M
36M
34.9M
27.1M
26.6M
26.3M
25.8M
2.5B
2.5B
1.9B
1.9B
1.7B
1.6B
1.7B
1.6B
1.5B
1.4B
1.2B
1.1B
1.1B
1B
1B
965.2M
589.9M
571.9M
539.6M
519.2M
4.5B
3.9B
3.3B
2.8B
2.4B
2.1B
1.9B
1.6B
1.3B
1.1B
928.2M
803.4M
676.9M
555M
459.5M
392.4M
366.2M
318.8M
309.6M
261.7M
-295.8M
-508.3M
-361.2M
-427.6M
4.1M
15.4M
-34.7M
-76.9M
-41.8M
-65.3M
-62.7M
-37.3M
-63M
7.7M
-2.9M
-5.5M
-6.6M
-10.3M
-13.7M
-17.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
681K
7.3B
6.3B
5.4B
4.8B
4.5B
4.1B
3.7B
3.3B
3B
2.7B
2.4B
2.1B
1.9B
1.8B
1.5B
1.4B
1.1B
1.1B
739.6M
773.3M
7.3B
6.3B
5.4B
4.8B
4.5B
4.1B
3.7B
3.3B
3B
2.7B
2.4B
2.1B
1.9B
1.8B
1.5B
1.4B
1.1B
1.1B
739.6M
773.3M
SUMMARY
71.1B
64.9B
56.3B
52.9B
50.1B
45.1B
36.6B
31.2B
27.9B
25.7B
22.9B
20B
18.1B
17.5B
15.9B
14B
12.2B
10.7B
9.4B
9.6B
59.3B
56B
49.6B
46.2B
40.7B
36.8B
31.3B
27.2B
24.4B
22.4B
20.1B
16.7B
15.6B
14.5B
12.7B
11.7B
9.8B
8.4B
8.2B
8.4B
4.5B
4.2B
3.7B
3.6B
2.4B
2.4B
1.8B
1.2B
1.2B
808.9M
1.5B
1.3B
922.4M
955.1M
1.9B
1.6B
989.9M
1.1B
1.1B
825.2M
4B
-623.8M
1.2B
1.1B
-3.4B
-2.7B
-668M
-278.8M
-122.3M
-438.8M
647.4M
95.4M
173.4M
-365.4M
1B
566.3M
-170.9M
751.5M
874.4M
636.9M
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102
66,971,102

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