Wintrust Financial CorpWintrust Financial Corp
Wintrust Financial Corp

Wintrust Financial Corp

WTFC
Financials·Banks

Wintrust Financial Corp. is a financial holding company, which engages in the provision of banking and financial services. It operates through the following segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers community-oriented, personal, and commercial banking services to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment includes insurance premiums for businesses and individuals, accounts receivable financing, value-added, and out-sourced administrative services, and other specialty finance businesses. The Wealth Management segment consists of trust and investment services, tax-deferred like-kind exchange services, asset management solutions, securities brokerage services, and retirement plan services. The company was founded by Edward Joseph Wehmer on December 30, 1992 and is headquartered in Rosemont, IL.

Illinois; U.S.A
Market cap
No dataNo data
Revenue
$2.7B+11.2% YoY
Net income
$823.8M+18.5% YoY
Free cash flow
$860.4M+35.4% YoY

Market

Listed stock
WTFCPriceNasdaq
Loading…Loading…1Y

Financial performance

Revenue
$2.7B+11.2% YoY
Operating income
$433.7M+103.7% YoY
Net income
$823.8M+18.5% YoY
Free cash flow
$860.4M+35.4% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $1.7B, 2022 $2B, 2023 $2.3B, 2024 $2.5B, 2025 $2.7B. Operating income: 2021 $1.4B, 2022 $1.5B, 2023 $936.1M, 2024 $212.9M, 2025 $433.7M. Net income: 2021 $466.2M, 2022 $509.7M, 2023 $622.6M, 2024 $695M, 2025 $823.8M. Free cash flow: 2021 $1.1B, 2022 $1.3B, 2023 $698M, 2024 $635.5M, 2025 $860.4M. Reference line: Reference at $0.

Growth & profitability

Revenue growth
11.2%+335 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $1.4B, 2022-12-31 $1.5B, 2023-12-31 $936.1M, 2024-12-31 $212.9M, 2025-12-31 $433.7M. Net income: 2021-12-31 $466.2M, 2022-12-31 $509.7M, 2023-12-31 $622.6M, 2024-12-31 $695M, 2025-12-31 $823.8M. Free cash flow: 2021-12-31 $1.1B, 2022-12-31 $1.3B, 2023-12-31 $698M, 2024-12-31 $635.5M, 2025-12-31 $860.4M

Growth heatmap

2022202320242025CAGR
Revenue
+14.3%
+16.1%
+7.9%
+11.2%
+12.3%
Gross profit
+13.7%
+14.9%
+8.9%
+11.9%
+12.3%
Operating income
+6.3%
-36.0%
-77.3%
+103.7%
-25.1%
Free cash flow
+23.1%
-47.2%
-8.9%
+35.4%
-5.4%

Earnings quality

Operating cash flow
$910.3M+26.2% YoY
Net income
$823.8M+18.5% YoY
Free cash flow
$860.4M+35.4% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 111%, 2024-12-31 104%, 2023-12-31 120%, 2022-12-31 270%, 2021-12-31 243%. Free cash flow: 2025-12-31 104%, 2024-12-31 91%, 2023-12-31 112%, 2022-12-31 259%, 2021-12-31 230%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
No data
Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
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Net debt
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Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
No dataNo data
Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
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Price to sales
No data
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EV / EBITDA
No data
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Free cash flow yield
No data
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