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Wintrust Financial Corporation

Wintrust Financial Corporation

WTFC · NASDAQ · Financial Services / Banks - Regional

155.48USD+1.11 (+0.72%)

Price History

Full chart

Market Stats

Previous Close154.37
Open155.04
Day Range152.52 – 155.80
52-Week Range117.89 – 166.65
Volume774.70K
Market Cap9.68B
P/E (TTM)11.57
Forward P/E10.94
EPS12.40
Dividend Yield1.53%
Beta0.83
50-Day Avg154.22
200-Day Avg149.90

About

Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through 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, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides 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. 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, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Timothy S. Crane
  • Employees5.90K
  • Headquarters9700 W. Higgins Road, Rosemont, IL, United States, 60018, USA
  • Websitehttps://www.wintrust.com

Leadership

  • Mr. Timothy S. CraneCEO, President & Director · b. 1962
  • Mr. David Alan DykstraVice Chairman & COO · b. 1961
  • Mr. Richard B. MurphyVice Chairman & Chief Lending Officer · b. 1960
  • Mr. David L. StoehrExecutive VP & CFO · b. 1960
  • Mr. Jeffrey D. HahnfeldExecutive VP, Controller & Chief Accounting Officer · b. 1972
  • Mr. Mike RyanExecutive Vice President & Chief Information Officer
  • Ms. Kathleen M. BoegeExecutive VP, Chief Legal Officer & Corporate Secretary · b. 1967
  • Ms. Norah LarkeExecutive VP & Chief Human Resources Officer
  • Mr. Thomas Patrick ZidarChairman and Senior Market Head of Wintrust Wealth Management & Mortgage · b. 1969
  • Mr. David Eric LeeVice Chairman · b. 1959

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue9.70M46.60M70.00M96.08M119.14M166.49M195.25M242.91M276.58M342.54M496.77M645.32M685.12M610.63M686.15M737.03M753.69M841.47M848.03M880.13M984.59M1.13B1.26B1.52B1.79B1.90B1.86B2.21B2.89B3.97B4.23B
Growth (%)-+380.41%+50.21%+37.25%+24.01%+39.74%+17.28%+24.41%+13.86%+23.85%+45.03%+29.90%+6.17%-10.87%+12.37%+7.42%+2.26%+11.65%+0.78%+3.79%+11.87%+14.65%+11.73%+20.73%+17.51%+6.03%-1.88%+18.63%+31.00%+37.08%+6.66%
Cost of Revenue-26.10M41.70M55.50M65.31M92.24M100.34M94.43M94.50M110.22M196.95M316.12M364.89M327.60M383.67M301.94M247.05M183.94M126.11M93.23M109.88M124.35M144.16M240.74M384.09M467.33M91.26M330.67M434.45M1.62B1.60B
Gross Profit9.70M20.50M28.30M40.58M53.83M74.25M94.91M148.48M182.09M232.32M299.82M329.20M320.23M283.04M302.48M435.10M506.63M657.53M721.91M786.90M874.71M1.00B1.12B1.28B1.41B1.43B1.77B1.88B2.89B2.35B2.63B
Gross Margin100.00%43.99%40.43%42.23%45.18%44.60%48.61%61.13%65.83%67.82%60.35%51.01%46.74%46.35%44.08%59.03%67.22%78.14%85.13%89.41%88.84%88.98%88.57%84.19%78.54%75.37%95.10%85.03%100.00%59.25%62.19%
Operating Expense8.20M22.80M27.30M35.88M39.68M57.80M65.78M105.98M122.74M151.43M194.87M224.96M236.41M252.39M184.98M334.29M378.60M477.40M497.47M540.47M622.95M672.63M727.06M821.82M925.21M1.04B1.13B1.18B2.84B1.40B1.51B
Operating Income1.50M-2.30M1.00M4.70M14.15M16.45M29.13M42.49M59.34M80.89M104.95M104.24M83.82M30.64M117.50M100.81M128.03M180.13M224.44M246.43M251.76M331.85M390.00M460.13M480.10M389.78M637.80M700.55M53.30M947.09M1.12B
Operating Margin15.43%-4.94%1.43%4.89%11.88%9.88%14.92%17.49%21.46%23.61%21.13%16.15%12.23%5.02%17.13%13.68%16.99%21.41%26.47%28.00%25.57%29.40%30.92%30.22%26.83%20.54%34.26%31.72%1.84%23.88%26.44%
EBITDA1.50M-200.00K2.70M7.30M17.91M24.84M36.63M54.24M70.36M90.69M119.06M121.86M103.83M51.21M138.01M118.97M147.50M204.81M250.62M284.22M292.77M385.00M453.10M527.80M568.46M486.15M739.59M782.63M53.30M1.05B1.21B
EBITDA Margin15.43%-0.43%3.86%7.60%15.03%14.92%18.76%22.33%25.44%26.48%23.97%18.88%15.16%8.39%20.11%16.14%19.57%24.34%29.55%32.29%29.74%34.11%35.93%34.66%31.77%25.62%39.73%35.44%1.84%26.40%28.53%
Net Income1.50M-1.00M4.80M6.20M9.43M11.15M18.44M27.88M38.12M51.33M67.02M66.49M55.65M20.49M73.07M63.33M77.58M111.20M137.21M151.40M156.75M206.88M257.68M343.17M355.70M292.99M466.15M509.68M622.63M695.04M823.84M
Net Income Margin15.43%-2.15%6.86%6.45%7.91%6.70%9.44%11.48%13.78%14.99%13.49%10.30%8.12%3.36%10.65%8.59%10.29%13.21%16.18%17.20%15.92%18.33%20.43%22.54%19.88%15.44%25.04%23.08%21.52%17.53%19.48%
R&D---------------000000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense024.20M38.30M51.20M61.60M87.18M92.44M84.11M83.50M103.92M190.28M309.06M350.01M270.16M215.74M177.27M144.42M107.50M80.08M72.69M76.94M90.26M114.39M205.91M330.22M253.11M150.53M252.08M1.06B1.52B1.50B
Interest Expense % of Total Revenue0.00%51.93%54.71%53.29%51.70%52.37%47.34%34.62%30.19%30.34%38.30%47.89%51.09%44.24%31.44%24.05%19.16%12.78%9.44%8.26%7.81%8.00%9.07%13.52%18.45%13.34%8.09%11.41%36.47%38.20%35.56%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets470.89M706.00M1.05B1.35B1.68B2.10B2.71B3.72B4.75B6.42B8.18B9.57B9.37B10.66B12.22B13.98B15.89B17.52B18.10B20.01B22.91B25.67B27.92B31.24B36.62B45.08B50.14B52.95B56.26B64.88B71.14B
Total Liabilities430.40M663.40M984.60M1.27B1.59B2.00B2.56B3.49B4.40B5.95B7.55B8.80B8.63B9.59B11.08B12.54B14.35B15.71B16.20B17.94B20.56B22.97B24.94B27.97B32.93B40.96B45.64B48.15B50.86B58.54B63.88B
Total Equity40.49M42.60M68.80M75.20M92.95M102.28M141.28M227.00M349.84M473.91M627.91M773.35M739.55M1.07B1.14B1.44B1.54B1.80B1.90B2.07B2.35B2.70B2.98B3.27B3.69B4.12B4.50B4.80B5.40B6.34B7.26B
Cash-94.10M178.10M60.40M83.84M65.59M72.27M110.09M118.16M133.13M170.38M188.33M180.60M342.80M1.16B1.02B897.30M1.32B748.98M1.22B879.24M1.25B1.34B1.49B2.45B5.12B5.78B2.48B2.51B4.86B467.87M
Total Debt10.76M29.20M55.90M31.10M99.24M122.26M215.70M306.63M394.91M760.91M761.49M825.18M1.05B1.09B989.92M1.59B1.91B955.12M922.36M1.32B1.53B808.85M1.22B1.21B1.78B2.44B2.43B3.60B3.66B4.24B4.48B
Net Debt10.76M-64.90M-122.20M-29.30M15.40M56.67M143.43M196.54M276.75M627.79M591.11M636.85M874.38M751.46M-170.88M566.35M1.01B-365.36M173.38M95.44M647.41M-438.80M-122.34M-278.78M-668.02M-2.69B-3.36B1.12B1.16B-623.81M4.01B

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-3.30M6.00M-8.30M26.93M46.84M-25.45M59.21M137.49M124.53M116.91M41.39M115.38M151.29M-841.03M124.01M244.27M268.65M287.21M206.37M38.97M310.97M401.63M377.18M265.99M-518.47M1.13B1.38B1.84B721.56M910.35M
Investing Cash Flow-221.40M-336.20M-319.10M-288.70M-280.33M-685.07M-782.28M-968.59M-1.02B-953.04M-870.91M165.49M-1.20B-865.91M-500.84M-836.96M-495.88M-206.22M-1.84B-1.64B-2.49B-2.30B-2.76B-4.02B-7.18B-5.93B-3.49B-3.24B-5.95B-6.17B
Financing Cash Flow231.70M347.70M286.90M290.61M382.24M604.00M856.47M742.73M905.69M1.00B793.45M-325.00M1.24B1.42B390.79M589.82M372.55M-132.15M1.60B1.65B2.18B1.91B2.50B3.65B7.74B4.89B2.20B-27.96M5.26B5.27B
Capital Expenditure7.90M16.10M15.50M17.22M19.46M19.93M27.37M41.15M30.61M47.01M64.82M42.83M28.63M18.27M30.51M79.13M74.33M37.69M38.14M43.46M33.92M59.19M68.27M82.02M63.65M57.08M53.45M45.20M86.03M49.95M
Free Cash Flow-11.20M-10.10M-23.80M9.71M27.38M-45.39M31.83M96.34M93.92M69.90M-23.43M72.55M122.66M-859.30M93.50M165.13M194.33M249.51M168.23M-4.49M277.04M342.43M308.91M183.97M-582.11M1.07B1.32B1.84B635.52M860.40M
Dividends Paid----875.00K1.28M1.90M2.78M4.07M5.45M6.96M7.83M9.03M21.78M22.78M10.34M13.16M13.89M24.93M29.89M38.57M40.54M50.99M65.11M85.89M98.63M108.21M27.96M143.28M169.42M
FCF to OCF339.39%-168.33%286.75%36.06%58.46%178.32%53.77%70.07%75.42%59.79%-56.61%62.88%81.07%102.17%75.40%67.60%72.33%86.88%81.52%-11.53%89.09%85.26%81.90%69.16%112.28%94.95%96.11%100.00%88.08%94.51%
Dividend Paid to FCF----3.20%-2.82%5.98%2.89%4.33%7.80%-29.71%10.79%7.36%-2.53%24.36%6.26%6.77%5.57%14.82%-665.21%13.92%11.84%16.51%35.39%-14.75%9.19%8.19%1.52%22.55%19.69%

Earnings

Report DateAug 4, 1997Oct 27, 1997Jan 27, 1998Apr 21, 1998Jul 29, 1998Oct 21, 1998Jan 22, 1999Apr 23, 1999Jul 21, 1999Oct 20, 1999Jan 24, 2000Apr 20, 2000Jul 20, 2000Oct 20, 2000Jan 22, 2001Apr 20, 2001Jul 18, 2001Oct 16, 2001Jan 17, 2002Apr 19, 2002Jul 18, 2002Oct 17, 2002Jan 16, 2003Apr 17, 2003Jul 17, 2003Oct 16, 2003Jan 20, 2004Apr 19, 2004Jul 19, 2004Oct 21, 2004Jan 20, 2005Apr 21, 2005Jul 21, 2005Oct 20, 2005Jan 19, 2006Apr 20, 2006Jul 24, 2006Oct 23, 2006Jan 22, 2007Apr 23, 2007Jul 23, 2007Oct 22, 2007Jan 23, 2008Apr 21, 2008Jul 23, 2008Oct 22, 2008Jan 28, 2009Apr 29, 2009Jul 29, 2009Oct 27, 2009Jan 27, 2010Apr 28, 2010Jul 28, 2010Oct 27, 2010Jan 24, 2011Apr 20, 2011Jul 27, 2011Oct 25, 2011Jan 18, 2012Apr 18, 2012Jul 18, 2012Oct 16, 2012Jan 17, 2013Apr 17, 2013Jul 16, 2013Oct 14, 2013Jan 21, 2014Apr 16, 2014Jul 14, 2014Oct 16, 2014Jan 15, 2015Apr 15, 2015Jul 15, 2015Oct 14, 2015Jan 19, 2016Apr 18, 2016Jul 19, 2016Oct 17, 2016Jan 18, 2017Apr 18, 2017Jul 18, 2017Oct 18, 2017Jan 22, 2018Apr 16, 2018Jul 17, 2018Oct 17, 2018Jan 22, 2019Apr 15, 2019Jul 15, 2019Oct 16, 2019Jan 21, 2020Apr 21, 2020Jul 21, 2020Oct 21, 2020Jan 20, 2021Apr 19, 2021Jul 19, 2021Oct 19, 2021Jan 19, 2022Apr 19, 2022Jul 20, 2022Oct 18, 2022Jan 18, 2023Apr 19, 2023Jul 19, 2023Oct 17, 2023Jan 17, 2024Apr 17, 2024Jul 17, 2024Oct 21, 2024Jan 21, 2025Apr 21, 2025Jul 21, 2025Oct 20, 2025Jan 20, 2026Apr 20, 2026Jul 20, 2026Oct 19, 2026
EPS Estimate0.050.110.200.090.150.150.200.160.180.200.220.240.250.260.280.280.300.300.320.350.300.390.420.430.450.480.510.530.550.590.620.640.680.710.730.750.700.660.610.570.620.640.540.530.610.30-0.01-0.07-0.130.280.700.290.310.270.170.280.300.440.370.400.470.560.600.580.610.640.690.660.720.780.770.740.810.850.780.730.860.900.900.910.991.081.131.271.441.541.571.531.651.621.581.160.711.121.411.431.601.511.541.521.702.072.582.532.402.412.522.442.422.512.472.492.622.712.932.953.153.26
EPS Actual0.090.100.130.080.120.190.170.150.180.200.210.230.250.270.290.310.320.330.330.400.320.400.430.450.490.530.520.540.580.600.620.650.700.720.730.760.690.560.580.570.620.400.520.510.47-0.130.020.060.06-1.620.900.410.260.470.270.360.250.650.410.500.520.610.610.650.690.710.700.680.760.760.740.760.850.690.710.820.900.920.931.001.111.121.021.361.531.571.531.641.531.701.541.280.511.691.802.611.681.771.582.071.492.212.232.802.382.531.872.892.322.472.632.692.823.063.153.223.30-
Surprise80.00%-9.09%-35.00%-11.11%-20.00%26.67%-15.00%-6.25%0.00%0.00%-4.55%-4.17%0.00%3.85%3.57%10.71%6.67%10.00%3.13%14.29%6.67%2.56%2.38%4.65%8.89%10.42%1.96%1.89%5.45%1.69%0.00%1.56%2.94%1.41%0.00%1.33%-1.43%-15.15%-4.92%0.00%0.00%-37.50%-3.70%-3.77%-22.95%-143.33%300.00%185.71%146.15%-678.57%28.57%41.38%-16.13%74.07%58.82%28.57%-16.67%47.73%10.81%25.00%10.64%8.93%1.67%12.07%13.11%10.94%1.45%3.03%5.56%-2.56%-3.90%2.70%4.94%-18.82%-8.97%12.33%4.65%2.22%3.33%9.89%12.12%3.70%-9.73%7.09%6.25%1.95%-2.55%7.19%-7.27%4.94%-2.53%10.34%-28.17%50.89%27.66%82.52%5.00%17.22%2.60%36.18%-12.35%6.76%-13.57%10.67%-0.83%4.98%-25.79%18.44%-4.13%-1.59%6.48%8.03%7.63%12.92%7.51%9.15%4.76%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap9.68B
Enterprise Value10.32B
Trailing P/E11.57
Forward P/E10.94
PEG Ratio1.17
Price / Sales3.51
Price / Book1.45
EPS12.40
Book Value105.26
Revenue (TTM)2.76B
Gross Profit (TTM)2.76B
Profit Margin32.64%
Operating Margin46.09%
Return on Equity12.21%
Return on Assets1.25%
Shares Outstanding67.46M
Shares Float66.52M
Beta0.83
Dividend Yield1.53%
Dividend Rate2.20
Payout Ratio16.89%

Analyst Ratings

Buy
Based on 13 analystsTarget 177.73
  • Strong Buy
    8
  • Buy
    3
  • Hold
    2

Ownership Breakdown

Institutions
97.19%
Insiders
1.40%
Retail / Other
1.41%

Top Institutional Holders

  • BlackRock Inc
    6.30M9.33%
  • FMR Inc
    5.29M7.84%
  • Vanguard Portfolio Management, LLC
    3.59M5.32%
  • Vanguard Capital Management, LLC
    3.03M4.48%
  • Dimensional Fund Advisors, Inc.
    2.68M3.97%
  • State Street Corp
    2.59M3.83%
  • First Trust Advisors L.P.
    1.75M2.59%
  • Earnest Partners LLC
    1.40M2.08%
  • Amvescap Plc.
    1.37M2.03%
  • Geode Capital Management, LLC
    1.32M1.96%
  • Principal Financial Group Inc
    1.25M1.85%
  • Bank of America Corp
    1.02M1.51%
  • ClearBridge Advisors, LLC
    957.24K1.42%
  • Capital Research & Mgmt Co - Division 3
    927.77K1.38%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    2.36M3.50%
  • Vanguard MStar Total Stk Mkt Idx Invest
    2.14M3.18%
  • Vanguard Small Cap Index
    1.55M2.30%
  • American Funds SMALLCAP World A
    1.33M1.98%
  • Vanguard MStar Small Cap Value Index
    985.56K1.46%
  • Vanguard Explorer Inv
    956.66K1.42%

Dividends

20264×
0.55Nov 5, 20260.55Aug 6, 20260.55May 14, 20260.55Feb 5, 2026
20254×
0.50Nov 6, 20250.50Aug 7, 20250.50May 8, 20250.50Feb 6, 2025
20244×
0.45Nov 7, 20240.45Aug 8, 20240.45May 8, 20240.45Feb 7, 2024
20234×
0.40Nov 8, 20230.40Aug 9, 20230.40May 10, 20230.40Feb 8, 2023
20224×
0.34Nov 9, 20220.34Aug 10, 20220.34May 11, 20220.34Feb 9, 2022
20214×
0.31Nov 9, 20210.31Aug 4, 20210.31May 5, 20210.31Feb 10, 2021

Stock Splits

  • Mar 15, 20023:2