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Stocks · Financials · State Commercial Banks

WINTRUST FINANCIAL CORP

WTFC Clue Score51
United States Fiscal year ends December CIK 0001015328
$143.25 -0.66% Close, 9 Oct 2026
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Price $143.25 +75.04% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.21EPS, diluted3.66Fiscal year 2017Revenue0.14Net income0.26 +24.6%EPS, diluted4.40 +20.2%Fiscal year 2018Revenue0.15 +9.7%Net income0.34 +33.2%EPS, diluted5.86 +33.2%Fiscal year 2019Revenue0.16 +5.9%Net income0.36 +3.7%EPS, diluted6.03 +2.9%Fiscal year 2020Revenue0.17 +5.4%Net income0.29 −17.6%EPS, diluted4.68 −22.4%Fiscal year 2021Revenue0.21 +21.8%Net income0.47 +59.1%EPS, diluted7.58 +62.0%Fiscal year 2022Revenue0.22 +5.1%Net income0.51 +9.3%EPS, diluted8.02 +5.8%Fiscal year 2023Revenue0.22 +1.3%Net income0.62 +22.2%EPS, diluted9.58 +19.5%Fiscal year 2024Revenue0.25 +13.7%Net income0.70 +11.6%EPS, diluted10.31 +7.6%Fiscal year 2025Revenue0.27 +5.9%Net income0.82 +18.5%EPS, diluted11.40 +10.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 0.14 0.15 0.16 0.17 0.21 0.22 0.22 0.25 0.27
Growth +9.7% +5.9% +5.4% +21.8% +5.1% +1.3% +13.7% +5.9%
Net income 0.21 0.26 0.34 0.36 0.29 0.47 0.51 0.62 0.70 0.82
Growth +24.6% +33.2% +3.7% −17.6% +59.1% +9.3% +22.2% +11.6% +18.5%
EPS, diluted 3.66 4.40 5.86 6.03 4.68 7.58 8.02 9.58 10.31 11.40
Growth +20.2% +33.2% +2.9% −22.4% +62.0% +5.8% +19.5% +7.6% +10.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin185.4%Free cash flow margin246.4%Fiscal year 2018Net margin225.0%Free cash flow margin202.5%Fiscal year 2019Net margin220.3%Free cash flow margin113.9%Fiscal year 2020Net margin172.2%Free cash flow margin−342.2%Fiscal year 2021Net margin225.0%Free cash flow margin518.3%Fiscal year 2022Net margin234.1%Free cash flow margin607.0%Fiscal year 2023Net margin282.4%Free cash flow margin316.6%Fiscal year 2024Net margin277.2%Free cash flow margin253.5%Fiscal year 2025Net margin310.1%Free cash flow margin323.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 185.4% 225.0% 220.3% 172.2% 225.0% 234.1% 282.4% 277.2% 310.1%
Free cash flow margin n/a 246.4% 202.5% 113.9% −342.2% 518.3% 607.0% 316.6% 253.5% 323.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.31Capital expenditure−0.03Free cash flow0.28Buybacks−0.00Dividends paid−0.04Fiscal year 2017Operating cash flow0.40Capital expenditure−0.06Free cash flow0.34 +23.6%Buybacks−0.00Dividends paid−0.04Fiscal year 2018Operating cash flow0.38Capital expenditure−0.07Free cash flow0.31 −9.8%Buybacks0.00Dividends paid−0.05Fiscal year 2019Operating cash flow0.27Capital expenditure−0.08Free cash flow0.18 −40.4%Buybacks0.00Dividends paid−0.07Fiscal year 2020Operating cash flow−0.52Capital expenditure−0.06Free cash flow−0.58 −416.4%Buybacks−0.09Dividends paid−0.09Fiscal year 2021Operating cash flow1.13Capital expenditure−0.06Free cash flow1.07Buybacks−0.01Dividends paid−0.10Fiscal year 2022Operating cash flow1.38Capital expenditure−0.05Free cash flow1.32 +23.1%Buybacks0.00Dividends paid−0.11Fiscal year 2023Operating cash flow0.74Capital expenditure−0.05Free cash flow0.70 −47.2%Buybacks0.00Dividends paid−0.13Fiscal year 2024Operating cash flow0.72Capital expenditure−0.09Free cash flow0.64 −8.9%Dividends paid−0.14Fiscal year 2025Operating cash flow0.91Capital expenditure−0.05Free cash flow0.86 +35.4%Dividends paid−0.17
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.31 0.40 0.38 0.27 −0.52 1.13 1.38 0.74 0.72 0.91
Capital expenditure −0.03 −0.06 −0.07 −0.08 −0.06 −0.06 −0.05 −0.05 −0.09 −0.05
Free cash flow 0.28 0.34 0.31 0.18 −0.58 1.07 1.32 0.70 0.64 0.86
Growth +23.6% −9.8% −40.4% −416.4% +23.1% −47.2% −8.9% +35.4%
Buybacks −0.00 −0.00 0.00 0.00 −0.09 −0.01 0.00 0.00 n/a n/a
Dividends paid −0.04 −0.04 −0.05 −0.07 −0.09 −0.10 −0.11 −0.13 −0.14 −0.17

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash0.27Shareholders’ equity2.70Fiscal year 2017Cash0.28Shareholders’ equity2.98Fiscal year 2018Cash0.39Shareholders’ equity3.27Fiscal year 2019Cash0.29Shareholders’ equity3.69Fiscal year 2020Cash0.32Shareholders’ equity4.12Fiscal year 2021Cash0.41Shareholders’ equity4.50Fiscal year 2022Cash0.49Shareholders’ equity4.80Fiscal year 2023Cash0.42Shareholders’ equity5.40Fiscal year 2024Cash0.46Shareholders’ equity6.34Fiscal year 2025Cash0.47Shareholders’ equity7.26
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.27 0.28 0.39 0.29 0.32 0.41 0.49 0.42 0.46 0.47
Shareholders’ equity 2.70 2.98 3.27 3.69 4.12 4.50 4.80 5.40 6.34 7.26

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
n/a 0.14 0.15 0.16 0.17 0.21 0.22 0.22 0.25 0.27
Growth +9.7% +5.9% +5.4% +21.8% +5.1% +1.3% +13.7% +5.9%
0.33 0.39 0.46 0.48 0.39 0.64 0.70 0.85 0.95 1.12
0.12 0.13 0.12 0.12 0.10 0.17 0.19 0.22 0.25 0.29
0.21 0.26 0.34 0.36 0.29 0.47 0.51 0.62 0.70 0.82
Growth +24.6% +33.2% +3.7% −17.6% +59.1% +9.3% +22.2% +11.6% +18.5%
Per share
3.83 4.53 5.95 6.11 4.72 7.69 8.14 9.72 10.47 11.57
3.66 4.40 5.86 6.03 4.68 7.58 8.02 9.58 10.31 11.40
Growth +20.2% +33.2% +2.9% −22.4% +62.0% +5.8% +19.5% +7.6% +10.6%
50.3 54.7 56.3 56.9 57.5 57.0 59.2 61.1 63.7 66.9
54.3 56.7 57.2 57.6 58.0 57.8 60.1 62.1 64.7 67.9
Growth +4.4% +0.9% +0.7% +0.7% −0.4% +4.0% +3.3% +4.2% +4.9%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 9.3% a year over five years, and earnings per share grew 19.5% a year.
  • The diluted share count rose 17.0% in five years, which is dilution.
  • Profitable in every one of the 10 years on file.