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-276.0%
10Y+193.0%
3Y+77.0%
5Y-14.0%
10Y+148.0%
3Y+140.0%
5Y-32.0%
10Y+142.0%
WTFC

Wintrust Financial Corporation Cash Conversion Engine

WTFC ยท NASDAQ
Net Income823.84M
Depreciation & Amortization118.78M
Stock-Based Compensation41.55M
Change in Working Capital-104.49M
Others-14.18M
Capital Expenditures-49.95M
Free Cash Flow860.40M

Cash Flow Quality Analysis

FCF Conversion Rate

104.4%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

5.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+35.4%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$104.49M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Wintrust Financial Corporation Cash Flow Statement

WTFC โ€ข NASDAQ

Wintrust Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
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
118.8M
100.1M
84.8M
82.1M
101.8M
96.4M
88.4M
67.7M
63.1M
53.1M
41M
37.8M
26.2M
24.7M
19.5M
18.2M
20.5M
20.6M
20M
17.6M
44.8M
11M
-19.7M
22.1M
-2.9M
-4.1M
44.6M
55.2M
63.2M
6.7M
23.1M
4.1M
1.5M
-23.3M
-639K
-16M
51.3M
-11.8M
-4.8M
-1.2M
41.6M
38.1M
33.5M
31.7M
16.2M
-4.9M
11.3M
13.5M
12.9M
9.3M
9.7M
7.8M
6.8M
9.1M
5.7M
4.6M
6.9M
9.9M
10.8M
12.2M
-14.2M
65M
61.8M
434M
292.4M
-813.4M
-85.7M
45M
99.8M
-36.5M
-38M
-34.3M
90.1M
-8.4M
140.3M
-2.6M
-893.6M
105.6M
40.2M
-62.5M
(222.4M)
(252.9M)
(231.7M)
(153.5M)
(178.6M)
(105.3M)
(60.8M)
(69.1M)
(76.8M)
(94.9M)
(94.7M)
(72.6M)
(97.7M)
(82.1M)
(57.5M)
(34.7M)
(8.6M)
(20.8M)
(31M)
(33.3M)
-104.5M
-187.7M
-38.6M
295.4M
257.2M
-85.4M
-148.3M
-147.4M
-95M
71.5M
-153.5M
39.6M
25.4M
155.4M
1.9M
56.4M
-99.2M
6.5M
-6.5M
8.8M
910.3M
721.6M
744.4M
1.4B
1.1B
-518.5M
266M
377.2M
401.6M
311M
39M
206.4M
287.2M
268.7M
244.3M
124M
-841M
151.3M
115.4M
41.4M
INVESTING ACTIVITIES
-50M
-86M
-46.4M
-53.4M
-57.1M
-63.6M
-82M
-68.3M
-59.2M
-33.9M
-43.5M
-38.1M
-37.7M
-74.3M
-79.1M
-30.5M
-18.3M
-28.6M
-42.8M
-64.8M
(0.0)
(531.3M)
-5.1M
(0.0)
-585.4M
(0.0)
-108.4M
-53.9M
-284K
-613.6M
-15.4M
(228.9M)
-163.6M
(64.4M)
(91.6M)
(62.2M)
-745.9M
(0.0)
-11.6M
-51.1M
-5.1B
-1.9B
-2.7B
-3.8B
-3.7B
-2.2B
-2.8B
-1.4B
-1.1B
-3.9B
-2.1B
-1.6B
-489.1M
-2.6B
-3.1B
-2B
-2.5B
-1.9B
-586.8M
-1.1B
2.8B
2.7B
2.5B
630.3M
1.8B
3B
2.1B
581.2M
729.8M
4.2B
2B
1.3B
434.1M
3B
2.7B
1.7B
2.7B
1.7B
1.1B
1.2B
-3.8B
-7.2B
-3B
-317.6M
-3.4B
-7.9B
-3.2B
-1.9B
-1.9B
-2.1B
-1.5B
-1.7B
50.1M
-902.8M
-510.6M
-258.8M
-341.4M
-1B
-247.5M
-915.2M
-6.2B
-5.9B
-3.2B
-3.5B
-5.9B
-7.2B
-4B
-2.8B
-2.3B
-2.5B
-1.6B
-1.8B
-206.2M
-495.9M
-837M
-500.8M
-865.9M
-1.2B
(165.5M)
-870.9M
FINANCING ACTIVITIES
8.9M
-3.9M
-1.9M
285.4M
-9.5M
-93.4M
-1.3M
-648K
-397K
152.3M
-424K
-549K
-3.5M
-7.7M
-112K
179.1M
-443K
-94K
-105.9M
-16.3M
226.4M
601.6M
50.7M
1.2B
-15.2M
642.1M
560.5M
-10.7M
398.1M
-721.7M
159.6M
395.3M
-55.4M
-996.8M
211.1M
-33.6M
-104.3M
38.4M
177.4M
75.1M
-169.4M
-143.3M
-125.7M
-108.2M
-98.6M
-85.9M
-65.1M
-51M
-40.5M
-38.6M
-29.9M
-24.9M
-13.9M
-13.2M
-10.3M
-22.8M
-21.8M
-9M
-7.8M
-7M
-412.5M
-3.9M
-1.9M
-304K
-9.5M
-93.4M
-1.3M
-648K
-397K
-616K
-424K
-549K
-3.5M
-7.7M
-112K
-250.2M
-443K
-94K
-105.9M
-16.3M
5.2B
4.8B
2.5B
818.2M
5B
7B
3.2B
2.6B
1.6B
2.8B
1.4B
1.2B
-59.4M
1.3B
389.2M
202.9M
1.5B
909.6M
-388.8M
730.1M
5.3B
5.3B
2.4B
2.2B
4.9B
7.7B
3.6B
2.5B
1.9B
2.2B
1.6B
1.6B
-132.2M
372.5M
589.8M
390.8M
1.4B
1.2B
-325M
793.5M
CASH FLOW SUMMARY
9.4M
35.1M
-67.5M
79.8M
88.7M
36M
-105.7M
114.6M
7.5M
-5.8M
45.1M
-33.2M
-51.2M
145.3M
-2.9M
14M
-287.3M
184.8M
-44.1M
-36.1M
458.5M
423.5M
491M
411.2M
322.5M
286.5M
392.2M
277.6M
270M
275.8M
230.7M
263.9M
315M
169.7M
172.6M
158.6M
445.9M
261.2M
305.3M
341.4M
467.9M
458.5M
423.5M
491M
411.2M
322.5M
286.5M
392.2M
277.6M
270M
275.8M
230.7M
263.9M
315M
169.7M
172.6M
158.6M
445.9M
261.2M
305.3M
860.4M
635.5M
698M
1.3B
1.1B
-582.1M
184M
308.9M
342.4M
277M
-4.5M
168.2M
249.5M
194.3M
165.1M
93.5M
-859.3M
122.7M
72.5M
-23.4M

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