Wintrust Financial (WTFC)
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Wintrust Financial Corp is a US financial holding company built around a network of locally managed community banks, with a strong concentration in the Chicago area and nearby markets in Illinois, Wisconsin, Indiana, and Michigan. Rather than operating as a single national retail bank brand, Wintrust uses a community banking model that combines local customer relationships with the scale and product range of a larger regional institution.
The company’s main business is traditional banking for individuals, small businesses, commercial clients, and municipalities. Its services include checking and savings accounts, residential mortgages, commercial and industrial lending, commercial real estate finance, treasury management, and other deposit and credit products. Community banking is the largest contributor to revenue, making Wintrust closely tied to loan demand, deposit costs, credit quality, and economic conditions across its core Midwestern markets.
Wintrust is also notable for its specialty finance operations. These include premium finance services that help customers finance property and casualty insurance premiums, as well as life insurance premiums. This business gives the company exposure beyond ordinary branch banking and has become an important differentiator within the regional bank sector.
A third pillar is wealth management, where Wintrust offers trust, investment, asset management, brokerage, and retirement plan services. This segment broadens its relationship with affluent households, business owners, and institutional clients. Overall, Wintrust stands out as a relationship-focused regional financial group with diversified earnings streams across community banking, niche finance, and wealth services.
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- Market Cap
- $10,702,475,985
- P/E
- 13.19
- P/FCF
- 6.5
- P/S
- 2.5
- Enterprise Value
- $14,503,060,985
- Sector
- Financials
- Industry
- State Commercial Banks
- Address
- 9700 WEST HIGGINS ROAD, 8TH FLOOR, ROSEMONT, IL, 60018
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CHICAGO SHINES BRIGHT AT THE 34TH ANNUAL WINTRUST MAGNIFICENT MILE LIGHTS FESTIVAL AND PARADE THIS SATURDAY
CHICAGO SHINES BRIGHT AT THE 34TH ANNUAL WINTRUST MAGNIFICENT MILE LIGHTS FESTIVAL AND PARADE
THE WINTRUST MAGNIFICENT MILE LIGHTS FESTIVAL® AND PARADE RETURNS FOR THE 34TH YEAR
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- $10,702,475,985
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- $14,503,060,985
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 13.19
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.45
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 2.5
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 12.44
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 3.38
- EPS
- 12.02
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 1.63%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 6.5
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 6.23
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- $1,647,317,000
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 10.99%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 1.12%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.59
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 43.53
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 43.53
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 1.6
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- $657,566
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 158.66
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 1.06B | 1.09B | 1.09B | 1.04B | 1B |
| Cost of revenue | 348.54M | 372.45M | 396.82M | 374.21M | 360.49M |
| Gross profit | 713.17M | 714.26M | 697.84M | 670.78M | 643.11M |
| Operating income | 300.94M | 302.22M | 296.04M | 267.09M | 253.06M |
| EBITDA | 300.94M | 302.22M | 296.04M | 267.09M | 253.06M |
| Net income | 219.02M | 214.66M | 188.91M | 188.54M | 182.05M |
| Income taxes | 73.55M | 79.2M | 79.79M | 71.56M | 64.02M |
| Other operating expenses | 55.12M | 60.78M | 56.29M | 54.3M | 56.01M |
| Total operating expenses | 382.63M | 384.45M | 380.03M | 381.46M | 366.09M |
| Basic EPS | 3.26 | 3.2 | 2.82 | 2.82 | 2.73 |
| Diluted EPS | 3.22 | 3.15 | 2.78 | 2.78 | 2.69 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 72.16B | 71.14B | 69.63B | 68.98B | 65.87B |
| Total liabilities | 64.78B | 63.88B | 62.58B | 61.76B | 59.27B |
| Total equity | 7.38B | 7.26B | 7.05B | 7.23B | 6.6B |
| Cash & equivalents | 543.65M | 467.87M | 565.41M | 695.5M | 616.22M |
| Current assets | 14.83B | 13.94B | 13.35B | 14.5B | 13.47B |
| Current liabilities | 340.65M | 477.97M | 579.33M | 625.39M | 529.27M |
| Goodwill | 797.66M | 797.96M | 797.64M | 798.14M | 796.93M |
| Long-term debt | 4B | 4B | 3.7B | 3.7B | 3.7B |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 927.18M | 251.66M | 209.78M | 329.16M | 119.75M |
| Investing cash flow | -1.87B | -1.51B | -739.96M | -2.95B | -973.37M |
| Financing cash flow | 1.02B | 1.16B | 400.08M | 2.7B | 1.01B |
| Change in cash | 75.78M | -97.53M | -130.1M | 79.29M | 157.74M |
| Net income | 227.39M | 223.02M | 216.25M | 195.53M | 189.04M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K — WINTRUST FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| form 4 | Form 4 — KENNEY BRIAN A | View Filing | |
| form 4 | Form 4 — RICHTER DAVID S | View Filing | |
| form 4 | Form 4 — CRIST PETER D | View Filing | |
| form 4 | Form 4 — Smith Gregory A | View Filing | |
| form 4 | Form 4 — GLABE MARLA F | View Filing | |
| form 4 | Form 4 — CONNELLY ELIZABETH H. | View Filing | |
| form 4 | Form 4 — LEFEVRE DEBORAH L. HALL | View Filing | |
| form 4 | Form 4 — TEGLIA KARIN GUSTAFSON | View Filing | |
| form 4 | Form 4 — WASHINGTON ALEX E III | View Filing | |
| form 4 | Form 4 — MCKINNEY SUZET M | View Filing | |
| form 4 | Form 4 — Kohl Laura A. | View Filing | |
| edgar index | 8-K — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — DYKSTRA DAVID A | View Filing | |
| form 4 | Form 4 — WEHMER EDWARD J | View Filing | |
| form 4 | Form 4 — WEHMER EDWARD J | View Filing | |
| form 4 | Form 4 — WEHMER EDWARD J | View Filing | |
| form 4 | Form 4 — WEHMER EDWARD J | View Filing | |
| form 4 | Form 4 — WEHMER EDWARD J | View Filing | |
| edgar index | S-3ASR — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 10-Q — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| form 4 | Form 4 — MURPHY RICHARD B | View Filing | |
| edgar index | 144 — WINTRUST FINANCIAL CORP | View Filing | |
| form 4 | Form 4 — MCKINNEY SUZET M | View Filing | |
| edgar index | SCHEDULE 13G — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | SCHEDULE 13G — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 144 — WINTRUST FINANCIAL CORP | View Filing | |
| form 4 | Form 4 — DYKSTRA DAVID A | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 144 — WINTRUST FINANCIAL CORP | View Filing | |
| form 4 | Form 4 — STOEHR DAVID L | View Filing | |
| edgar index | 8-K — WINTRUST FINANCIAL CORP | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | DEF 14A — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | DEFA14A — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | ARS — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| edgar index | 4 — WINTRUST FINANCIAL CORP | View Filing | |
| form 4 | Form 4 — KENNEY BRIAN A | View Filing | |
| form 4 | Form 4 — RICHTER DAVID S | View Filing | |
| form 4 | Form 4 — CRIST PETER D | View Filing | |
| form 4 | Form 4 — Smith Gregory A | View Filing | |
| form 4 | Form 4 — HACKETT H PATRICK JR | View Filing | |
| form 4 | Form 4 — GLABE MARLA F | View Filing | |
| form 4 | Form 4 — DOYLE WILLIAM J | View Filing |
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