What is Wintrust Financial Corporation's earnings per share (EPS)?

Wintrust Financial Corporation (WTFCN) reported diluted earnings per share of $11.40 for fiscal year 2025. This represents a 10.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Wintrust Financial Corporation (WTFCN) Financials

WTFCN

FY2025 annual

Revenue $2.7B +11.2% YoY

Net Income $824.0M +18.6% YoY

EPS (Diluted) $11.40 +10.6% YoY

Free Cash Flow $860.4M +35.4% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WTFCN SEC filings page.

Wintrust Financial Corporation (WTFCN) reported $2.7B in revenue for fiscal year 2025, up 11.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI WTFCN FY2025 2026-10-04

Wintrust grows earnings through a liability-funded balance sheet, while asset returns improve only gradually.

From FY2021 to FY2025, assets grew 41.9% while net income grew 76.8%, indicating earnings expansion outpaced balance-sheet growth. Return on assets still rose only from 0.9% to 1.2%, so the improvement is incremental rather than a fundamental change in the business model.

Equity increased from $4.5B in FY2021 to $7.3B in FY2025. Debt-to-equity fell from 10.1x to 8.8x, showing that retained capital has begun to dilute, but not replace, liability funding.

In FY2025, operating cash flow of $910M nearly matched reported free cash flow of $860M. Reported capital spending was just $50M, so cash generation was not mainly consumed by reinvestment.

Financial Health Signals

Financial Health Score 58/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Wintrust Financial Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Wintrust Financial Corporation earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.1% the prior year. Earnings ranks banks on that return over three years, and Wintrust Financial Corporation scores 69/100 among other banks.

Growth

Wintrust Financial Corporation reported revenue of $2.7B in fiscal year 2025, against $2.5B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Wintrust Financial Corporation scores 57/100 among other banks.

Capital

Wintrust Financial Corporation funded 10.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $7.3B of equity against $71.1B of assets. Capital ranks banks on that cushion, and Wintrust Financial Corporation scores 33/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Wintrust Financial Corporation scores 77/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Wintrust Financial Corporation scores 54/100 on it among other banks.

Stability

Wintrust Financial Corporation reported net income of $824.0M in fiscal year 2025, against $695.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Wintrust Financial Corporation scores 58/100 among other banks.

Piotroski F-Score Partial

5/6

Wintrust Financial Corporation passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.10x

For every $1 of reported earnings, Wintrust Financial Corporation generates $1.10 in operating cash flow ($910.3M OCF vs $824.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$738.6M

YoY+10.1%

QoQ+3.6%

5Y CAGR+12.6%

10Y CAGR+11.0%

Wintrust Financial Corporation generated $738.6M in revenue in Q2 2026. This represents an increase of 10.1% from the same quarter a year earlier. Against the prior quarter it is up 3.6%.

Net Income

$233.7M

YoY+19.5%

QoQ+2.8%

5Y CAGR+17.3%

10Y CAGR+16.7%

Wintrust Financial Corporation reported $233.7M in net income in Q2 2026. This represents an increase of 19.5% from the same quarter a year earlier. Against the prior quarter it is up 2.8%.

EPS (Diluted)

$3.30

YoY+18.7%

QoQ+2.5%

5Y CAGR+14.2%

10Y CAGR+13.9%

Wintrust Financial Corporation earned $3.30 per diluted share (EPS) in Q2 2026. This represents an increase of 18.7% from the same quarter a year earlier. Against the prior quarter it is up 2.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$595.9M

YoY-14.3%

QoQ+9.6%

5Y CAGR+6.5%

10Y CAGR+8.2%

Wintrust Financial Corporation held $595.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.55

YoY+10.0%

QoQ0.0%

5Y CAGR+12.2%

10Y CAGR+16.4%

Wintrust Financial Corporation paid $0.55 per share in dividends in Q2 2026. This represents an increase of 10.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

67M

YoY+0.8%

QoQ0.0%

5Y CAGR+3.4%

10Y CAGR+2.7%

Wintrust Financial Corporation had 67M shares outstanding in Q2 2026. This represents an increase of 0.8% from the same quarter a year earlier. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

31.6%

YoY+2.5pp

QoQ-0.2pp

5Y change+5.9pp

10Y change+12.4pp

Wintrust Financial Corporation's net profit margin was 31.6% in Q2 2026, showing the share of revenue converted to profit. This is up 2.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Return on Equity

3.1%

YoY+0.4pp

QoQ0.0pp

5Y change+0.7pp

10Y change+1.2pp

Wintrust Financial Corporation's ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

WTFCN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WTFCN quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$2.9B	$2.7B+11.2%	$2.5B+7.9%	$2.3B+16.1%	$2.0B+14.3%	$1.7B+4.1%	$1.6B+12.4%	$1.5B+10.7%	$1.3B+14.7%	$1.2B+9.9%	$1.0B+14.7%	$913.1M+12.2%	$813.8M+5.3%	$773.0M+3.7%	$745.6M+14.5%	$651.1M
SG&A Expenses	$904.8M	$873.3M+6.9%	$817.1M+9.2%	$748.0M+7.5%	$696.1M+0.6%	$691.7M+10.5%	$626.1M+14.6%	$546.4M+13.8%	$480.1M+11.6%	$430.1M+6.2%	$405.2M+6.0%	$382.1M+13.9%	$335.5M+8.7%	$308.8M+7.0%	$288.6M+21.4%	$237.8M
Interest Expense	$1.5B	$1.5B-0.7%	$1.5B+43.6%	$1.1B+318.6%	$252.1M+67.5%	$150.5M-40.5%	$253.1M-23.4%	$330.2M+60.4%	$205.9M+80.0%	$114.4M+26.7%	$90.3M+17.3%	$76.9M+5.8%	$72.7M-9.2%	$80.1M-25.5%	$107.5M-25.6%	$144.4M
Income Tax	$316.8M	$294.6M+16.9%	$252.0M+13.3%	$222.5M+16.5%	$190.9M+11.2%	$171.6M+77.3%	$96.8M-22.2%	$124.4M+6.4%	$117.0M-11.6%	$132.3M+5.9%	$125.0M+31.5%	$95.0M0.0%	$95.0M+8.9%	$87.2M+26.5%	$68.9M+36.6%	$50.5M
Net Income	$900.5M	$824.0M+18.6%	$695.0M+11.6%	$623.0M+22.2%	$510.0M+9.4%	$466.0M+59.0%	$293.0M-17.6%	$355.7M+3.7%	$343.2M+33.2%	$257.7M+24.6%	$206.9M+32.0%	$156.7M+3.5%	$151.4M+10.3%	$137.2M+23.4%	$111.2M+43.3%	$77.6M
EPS (Basic)	N/A	$11.57+10.5%	$10.47+7.7%	$9.72+19.4%	$8.14+5.9%	$7.69+62.9%	$4.72-22.7%	$6.11+2.7%	$5.95+31.3%	$4.53+18.3%	$3.83+25.6%	$3.05-2.2%	$3.12-6.3%	$3.33+18.5%	$2.81+35.1%	$2.08
EPS (Diluted)	$12.45	$11.40+10.6%	$10.31+7.6%	$9.58+19.5%	$8.02+5.8%	$7.58+62.0%	$4.68-22.4%	$6.03+2.9%	$5.86+33.2%	$4.40+20.2%	$3.66+24.9%	$2.93-1.7%	$2.98+8.4%	$2.75+19.0%	$2.31+38.3%	$1.67
Diluted Shares (Avg)	N/A	68M+4.9%	65M+4.2%	62M+3.3%	60M+4.0%	58M-0.4%	58M+0.7%	58M+0.7%	57M+0.9%	57M+4.4%	54M+4.5%	52M+2.1%	51M+1.8%	50M+4.0%	48M+9.2%	44M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$738.6M+10.1%	$713.2M+10.9%	$714.3M+11.8%	$697.8M+13.3%	$670.8M+13.4%	$643.1M+6.3%	$638.6M+11.9%	$615.7M+7.1%
SG&A Expenses	$234.1M+6.6%	$228.4M+8.0%	$222.6M+4.9%	$219.7M+4.0%	$219.5M+10.6%	$211.5M+8.4%	$212.1M+9.4%	$211.3M+9.8%
Interest Expense	$364.0M-2.7%	$348.5M-3.3%	$372.5M-4.1%	$396.8M-2.3%	$374.2M-1.4%	$360.5M+5.6%	$388.4M+19.9%	$406.0M+35.3%
Income Tax	$84.3M+17.8%	$73.6M+14.9%	$79.2M+17.0%	$79.8M+27.2%	$71.6M+21.4%	$64.0M+2.2%	$67.7M+62.2%	$62.7M+3.4%
Net Income	$233.7M+19.5%	$227.4M+20.3%	$223.2M+20.4%	$216.3M+27.2%	$195.5M+28.3%	$189.0M+0.9%	$185.3M+49.6%	$170.0M+3.5%
EPS (Basic)	$3.34+18.4%	$3.26+19.4%	$3.20+19.4%	$2.82+12.4%	$2.82+20.0%	$2.73-6.8%	$2.68+41.1%	$2.51-2.3%
EPS (Diluted)	$3.30+18.7%	$3.22+19.7%	$3.15+19.3%	$2.78+12.6%	$2.78+19.8%	$2.69-6.9%	$2.64+41.2%	$2.47-2.4%
Diluted Shares (Avg)	68M+0.7%	68M+0.7%	N/A	68M+3.1%	68M+8.1%	68M+8.4%	N/A	66M+6.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

WTFCN Balance Sheet

WTFCN quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$71.1B+9.7%	$64.9B+15.3%	$56.3B+6.3%	$52.9B+5.6%	$50.1B+11.2%	$45.1B+23.1%	$36.6B+17.2%	$31.2B+11.9%	$27.9B+8.8%	$25.7B+12.0%	$22.9B+14.6%	$20.0B+10.5%	$18.1B+3.3%	$17.5B+10.2%	$15.9B
Cash & Equivalents	$467.9M+2.1%	$458.5M+8.3%	$423.5M-13.7%	$491.0M+19.4%	$411.2M+27.5%	$322.5M+12.6%	$286.5M-27.0%	$392.2M+41.3%	$277.6M+2.8%	$270.0M-2.1%	$275.8M+19.5%	$230.7M-12.6%	$263.9M-16.2%	$315.0M+85.6%	$169.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$14.6M+8.0%	$13.5M-11.2%	$15.2M+44.3%	$10.5M-17.9%	$12.8M+16.3%	$11.0M+14.7%	$9.6M-31.1%	$13.9M+66.4%	$8.4M	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$798.0M+0.1%	$796.9M+21.4%	$656.7M+0.5%	$653.5M-0.2%	$655.1M+1.5%	$645.7M+0.1%	$645.2M+12.6%	$573.1M+14.2%	$501.9M+0.7%	$498.6M+5.7%	$471.8M+16.3%	$405.6M+8.3%	$374.5M+8.4%	$345.4M+13.1%	$305.5M
Total Liabilities	$63.9B+9.1%	$58.5B+15.1%	$50.9B+5.6%	$48.2B+5.5%	$45.6B+11.4%	$41.0B+24.4%	$32.9B+17.7%	$28.0B+12.2%	$24.9B+8.6%	$23.0B+11.8%	$20.6B+14.6%	$17.9B+10.8%	$16.2B+3.1%	$15.7B+9.5%	$14.4B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$672.9M	N/A	N/A
Total Equity	$7.3B+14.4%	$6.3B+17.5%	$5.4B+12.6%	$4.8B+6.6%	$4.5B+9.3%	$4.1B+11.5%	$3.7B+13.0%	$3.3B+9.8%	$3.0B+10.4%	$2.7B+14.6%	$2.4B+13.6%	$2.1B+8.9%	$1.9B+5.3%	$1.8B+16.9%	$1.5B
Retained Earnings	$4.5B+16.4%	$3.9B+16.5%	$3.3B+17.4%	$2.8B+16.4%	$2.4B+17.7%	$2.1B+9.5%	$1.9B+17.9%	$1.6B+22.6%	$1.3B+19.8%	$1.1B+18.1%	$928.2M+15.5%	$803.4M+18.7%	$676.9M+22.0%	$555.0M+20.8%	$459.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$74.7B+8.2%	$72.2B+9.5%	$71.1B+9.7%	$69.6B+9.2%	$69.0B+15.4%	$65.9B+14.4%	$64.9B+15.3%	$63.8B+14.8%
Cash & Equivalents	$595.9M-14.3%	$543.7M-11.8%	$467.9M+2.1%	$565.5M-22.7%	$695.6M+67.4%	$616.3M+62.2%	$458.5M+8.3%	$731.1M+74.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	$14.6M+8.0%	N/A	N/A	N/A	$13.5M-11.2%	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$797.2M-0.1%	$797.7M+0.1%	$798.0M+0.1%	$797.6M-0.4%	$798.1M+21.7%	$796.9M+21.5%	$796.9M+21.4%	$800.8M+22.0%
Total Liabilities	$67.1B+8.7%	$64.8B+9.3%	$63.9B+9.1%	$62.6B+9.1%	$61.8B+13.8%	$59.3B+13.7%	$58.5B+15.1%	$57.4B+13.6%
Total Equity	$7.5B+4.1%	$7.4B+11.8%	$7.3B+14.4%	$7.0B+10.1%	$7.2B+30.5%	$6.6B+21.4%	$6.3B+17.5%	$6.4B+27.6%
Retained Earnings	$4.9B+16.8%	$4.7B+16.7%	$4.5B+16.4%	$4.4B+16.2%	$4.2B+16.2%	$4.0B+15.6%	$3.9B+16.5%	$3.7B+15.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

WTFCN Cash Flow Statement

WTFCN quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$1.6B	$910.3M+26.2%	$721.6M-3.1%	$744.4M-45.9%	$1.4B+21.6%	$1.1B+318.1%	-$518.5M-294.9%	$266.0M-29.5%	$377.2M-6.1%	$401.6M+29.2%	$311.0M+698.0%	$39.0M-81.1%	$206.4M-28.1%	$287.2M+6.9%	$268.7M+10.0%	$244.3M
Depreciation & Amortization	N/A	$66.9M+9.0%	$61.4M+7.9%	$56.9M+7.2%	$53.1M-1.7%	$54.0M+16.4%	$46.4M+22.1%	$38.0M+14.5%	$33.2M+5.4%	$31.5M-1.9%	$32.1M+3.2%	$31.1M+10.7%	$28.1M+8.1%	$26.0M+12.6%	$23.1M+20.9%	$19.1M
Stock-Based Compensation	N/A	$41.6M+9.0%	$38.1M+13.8%	$33.5M+5.5%	$31.7M+96.3%	$16.2M+427.6%	-$4.9M-143.7%	$11.3M-16.2%	$13.5M+5.0%	$12.9M+38.2%	$9.3M-3.7%	$9.7M+24.5%	$7.8M+14.0%	$6.8M-25.1%	$9.1M+59.4%	$5.7M
Capital Expenditures	N/A	$50.0M-41.9%	$86.0M+85.4%	$46.4M-13.2%	$53.4M-6.4%	$57.1M-10.3%	$63.6M-22.4%	$82.0M+20.1%	$68.3M+15.3%	$59.2M+74.5%	$33.9M-21.9%	$43.5M+14.0%	$38.1M+1.2%	$37.7M-49.3%	$74.3M-6.1%	$79.1M
Free Cash Flow	N/A	$860.4M+35.4%	$635.5M-8.9%	$698.0M-47.2%	$1.3B+23.1%	$1.1B+284.5%	-$582.1M-416.4%	$184.0M-40.4%	$308.9M-9.8%	$342.4M+23.6%	$277.0M+6266.1%	-$4.5M-102.7%	$168.2M-32.6%	$249.5M+28.4%	$194.3M+17.7%	$165.1M
Investing Cash Flow	-$6.5B	-$6.2B-3.7%	-$5.9B-83.7%	-$3.2B+7.2%	-$3.5B+41.1%	-$5.9B+17.5%	-$7.2B-78.7%	-$4.0B-45.4%	-$2.8B-20.0%	-$2.3B+7.6%	-$2.5B-51.8%	-$1.6B+10.7%	-$1.8B-791.1%	-$206.2M+58.4%	-$495.9M+40.8%	-$837.0M
Financing Cash Flow	$4.8B	$5.3B+0.1%	$5.3B+116.8%	$2.4B+10.5%	$2.2B-55.1%	$4.9B-36.8%	$7.7B+112.1%	$3.6B+45.8%	$2.5B+31.0%	$1.9B-12.2%	$2.2B+32.0%	$1.6B+3.1%	$1.6B+1309.3%	-$132.2M-135.5%	$372.5M-36.8%	$589.8M
Dividends Paid	$179.4M	$169.4M+18.2%	$143.3M+14.0%	$125.7M+16.2%	$108.2M+9.7%	$98.6M+14.8%	$85.9M+31.9%	$65.1M+27.7%	$51.0M+25.8%	$40.5M+5.1%	$38.6M+29.0%	$29.9M+19.9%	$24.9M+79.5%	$13.9M+5.6%	$13.2M+27.2%	$10.3M
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$9.5M-89.6%	$92.1M	$0	$0-100.0%	$397K-35.6%	$616K+45.3%	$424K-22.8%	$549K-84.3%	$3.5M-54.6%	$7.7M+6798.2%	$112K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$255.1M-22.5%	$927.2M+674.2%	$251.7M-48.7%	$209.8M+440.4%	$329.2M+48.8%	$119.8M+68.4%	$490.8M+98.0%	-$61.6M-169.8%
Depreciation & Amortization	$29.2M-5.3%	$29.9M+1.5%	-$22.0M-132.0%	$28.6M+10.9%	$30.9M+30.3%	$29.5M+37.4%	-$9.5M-66.6%	$25.7M-6.7%
Stock-Based Compensation	$11.7M+14.7%	$11.3M+8.8%	N/A	$10.1M+6.3%	$10.2M+13.3%	$10.4M+13.7%	N/A	$9.5M+17.3%
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	$19.6M+13.9%	$16.7M-16.1%
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	$471.2M+104.2%	-$78.3M-214.6%
Investing Cash Flow	-$2.4B+17.8%	-$1.9B-91.8%	-$1.5B+12.3%	-$740.0M-11.5%	-$2.9B-37.4%	-$973.4M+31.4%	-$1.7B-181.8%	-$663.4M+52.5%
Financing Cash Flow	$2.2B-17.7%	$1.0B+0.4%	$1.2B+21.3%	$400.1M-61.6%	$2.7B+37.7%	$1.0B-22.5%	$955.0M+160.1%	$1.0B-14.2%
Dividends Paid	$45.5M+12.4%	$45.4M+12.4%	$41.9M+13.4%	$46.8M+26.7%	$40.5M+14.8%	$40.3M+17.9%	$36.9M+17.5%	$36.9M+17.2%

Not reported in any period shown, so not listed: Share Buybacks.

WTFCN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WTFCN quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	30.2%+1.9pp	28.4%+0.9pp	27.4%+1.4pp	26.1%-1.2pp	27.2%+9.4pp	17.8%-6.5pp	24.3%-1.6pp	26.0%+3.6pp	22.4%+2.6pp	19.8%+2.6pp	17.2%-1.4pp	18.6%+0.9pp	17.8%+2.8pp	14.9%+3.0pp	11.9%
Return on Equity	11.3%+0.4pp	10.9%-0.6pp	11.5%+0.9pp	10.6%+0.3pp	10.4%+3.2pp	7.1%-2.5pp	9.6%-0.9pp	10.5%+1.8pp	8.7%+1.0pp	7.7%+1.0pp	6.7%-0.6pp	7.3%+0.1pp	7.2%+1.1pp	6.2%+1.1pp	5.0%
Return on Assets	1.2%+0.1pp	1.1%0.0pp	1.1%+0.2pp	1.0%0.0pp	0.9%+0.3pp	0.7%-0.3pp	1.0%-0.1pp	1.1%+0.2pp	0.9%+0.1pp	0.8%+0.1pp	0.7%-0.1pp	0.8%0.0pp	0.8%+0.1pp	0.6%+0.1pp	0.5%
Debt-to-Equity	8.80-0.4x	9.23-0.2x	9.42-0.6x	10.04-0.1x	10.15+0.2x	9.95+1.0x	8.92+0.4x	8.56+0.2x	8.38-0.1x	8.52-0.2x	8.74+0.1x	8.67+8.3x	0.35-8.4x	8.71-0.6x	9.30
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	31.6%+5.6pp	25.9%-4.8pp	30.7%-36.8pp	67.5%+4.8pp	62.8%+98.2pp	-35.4%-48.0pp	12.6%-10.8pp	23.4%-6.4pp	29.7%+3.3pp	26.4%+26.9pp	-0.5%-21.2pp	20.7%-11.6pp	32.3%+6.2pp	26.1%+0.7pp	25.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.6%+2.5pp	31.9%+2.5pp	31.3%+2.2pp	31.0%+3.4pp	29.1%+3.4pp	29.4%-1.6pp	29.0%+7.3pp	27.6%-1.0pp
Return on Equity	3.1%+0.4pp	3.1%+0.2pp	3.1%+0.2pp	3.1%+0.4pp	2.7%0.0pp	2.9%-0.6pp	2.9%+0.6pp	2.7%-0.6pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp
Debt-to-Equity	8.92+0.4x	8.78-0.2x	8.80-0.4x	8.88-0.1x	8.55-1.3x	8.98-0.6x	9.23-0.2x	8.97-1.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	73.8%+33.4pp	-12.7%-24.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Where Wintrust Financial Corporation Ranks

Frequently Asked Questions

What is Wintrust Financial Corporation's annual revenue?

Wintrust Financial Corporation (WTFCN) reported $2.7B in total revenue for fiscal year 2025. This represents a 11.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Wintrust Financial Corporation's revenue growing?

Wintrust Financial Corporation (WTFCN) revenue grew by 11.2% year-over-year, from $2.5B to $2.7B in fiscal year 2025.

Is Wintrust Financial Corporation profitable?

Yes, Wintrust Financial Corporation (WTFCN) reported a net income of $824.0M in fiscal year 2025, with a net profit margin of 30.2%.

What is Wintrust Financial Corporation's net profit margin?

Wintrust Financial Corporation (WTFCN) had a net profit margin of 30.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Wintrust Financial Corporation pay dividends?

Yes, Wintrust Financial Corporation (WTFCN) paid $2.00 per share in dividends during fiscal year 2025.

What is Wintrust Financial Corporation's return on equity (ROE)?

Wintrust Financial Corporation (WTFCN) has a return on equity of 11.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Wintrust Financial Corporation's free cash flow?

Wintrust Financial Corporation (WTFCN) generated $860.4M in free cash flow during fiscal year 2025. This represents a 35.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Wintrust Financial Corporation's operating cash flow?

Wintrust Financial Corporation (WTFCN) generated $910.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Wintrust Financial Corporation's total assets?

Wintrust Financial Corporation (WTFCN) had $71.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Wintrust Financial Corporation's capital expenditures?

Wintrust Financial Corporation (WTFCN) invested $50.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Wintrust Financial Corporation have outstanding?

Wintrust Financial Corporation (WTFCN) had 67M shares outstanding as of fiscal year 2025.

What is Wintrust Financial Corporation's debt-to-equity ratio?

Wintrust Financial Corporation (WTFCN) had a debt-to-equity ratio of 8.80 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Wintrust Financial Corporation's return on assets (ROA)?

Wintrust Financial Corporation (WTFCN) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Wintrust Financial Corporation's Piotroski F-Score?

Wintrust Financial Corporation (WTFCN) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Wintrust Financial Corporation's earnings high quality?

Wintrust Financial Corporation (WTFCN) has an earnings quality ratio of 1.10x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Wintrust Financial Corporation?

Wintrust Financial Corporation (WTFCN) scores 58 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.