What is Wintrust Finl Corp's earnings per share (EPS)?

Wintrust Finl Corp (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 Finl Corp Financials

WTFCN

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Wintrust Finl Corp (WTFCN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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 2026-04-22

Balance-sheet scale, not revenue optics, drives results as returns stay steady while leverage gradually eases.

Over the last few annual periods, debt-to-equity fell from 10.1x to 8.8x even while the balance sheet kept expanding, which means retained earnings were financing part of growth instead of leverage doing all the work. ROA staying around 1.0% while ROE remained above 11.0% shows a model that earns thin returns on assets but turns them into stronger shareholder returns through scale.

In FY2025, operating cash flow of $910M exceeded net income of $824M, a useful check that reported earnings were largely cash-backed. Capital spending was only $50M, which helps explain why free cash flow stayed strong and suggests the business is not equipment-intensive.

Cash of $468M looks small beside $63.9B of liabilities, but for this kind of balance-sheet business the key buffer is capital, not idle cash. Equity reached $7.3B and kept rising, so the company entered FY2025 with more capacity to support assets without leaning as hard on leverage.

Financial Health Signals

Financial Profile 31/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Wintrust Finl Corp'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.

Growth

Wintrust Finl Corp's revenue grew 5.9% year-over-year to $265.6M, a solid pace of expansion. This earns a growth score of 50/100.

Leverage

Wintrust Finl Corp has elevated debt relative to equity (D/E of 8.80), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Wintrust Finl Corp converts 323.9% of revenue into free cash flow ($860.4M). This strong cash generation earns a score of 100/100.

Returns

Wintrust Finl Corp's ROE of 11.3% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 10.9% the prior year.

Piotroski F-Score Neutral

4/9

Wintrust Finl Corp passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.10x

For every $1 of reported earnings, Wintrust Finl Corp 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

$265.6M

YoY+5.9%

5Y CAGR+9.3%

10Y CAGR-9.5%

Wintrust Finl Corp generated $265.6M in revenue in fiscal year 2025. This represents an increase of 5.9% from the prior year.

EBITDA

N/A

Net Income

$824.0M

YoY+18.6%

5Y CAGR+23.0%

10Y CAGR+18.1%

Wintrust Finl Corp reported $824.0M in net income in fiscal year 2025. This represents an increase of 18.6% from the prior year.

EPS (Diluted)

$11.40

YoY+10.6%

5Y CAGR+19.5%

10Y CAGR+14.6%

Wintrust Finl Corp earned $11.40 per diluted share (EPS) in fiscal year 2025. This represents an increase of 10.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$860.4M

YoY+35.4%

Wintrust Finl Corp generated $860.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 35.4% from the prior year.

Cash & Debt

$467.9M

YoY+2.1%

5Y CAGR+7.7%

10Y CAGR+5.4%

Wintrust Finl Corp held $467.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.00

YoY+11.1%

5Y CAGR+12.3%

10Y CAGR+16.3%

Wintrust Finl Corp paid $2.00 per share in dividends in fiscal year 2025. This represents an increase of 11.1% from the prior year.

Shares Outstanding

67M

YoY+0.7%

5Y CAGR+3.4%

Wintrust Finl Corp had 67M shares outstanding in fiscal year 2025. This represents an increase of 0.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

310.2%

YoY+33.0pp

5Y CAGR+138.0pp

10Y CAGR+288.4pp

Wintrust Finl Corp's net profit margin was 310.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 33.0 percentage points from the prior year.

Return on Equity

11.3%

YoY+0.4pp

5Y CAGR+4.2pp

10Y CAGR+4.7pp

Wintrust Finl Corp's ROE was 11.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$50.0M

YoY-41.9%

5Y CAGR-4.7%

10Y CAGR+1.4%

Wintrust Finl Corp invested $50.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 41.9% from the prior year.

WTFCN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$265.6M+5.9%	$250.7M+13.7%	$220.4M+1.3%	$217.7M+5.1%	$207.2M+21.8%	$170.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$873.3M+6.9%	$817.1M+9.2%	$748.0M+7.5%	$696.1M+0.6%	$691.7M+10.5%	$626.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.5B-0.7%	$1.5B+43.6%	$1.1B+318.6%	$252.1M+67.5%	$150.5M-40.5%	$253.1M
Income Tax	$294.6M+16.9%	$252.0M+13.3%	$222.5M+16.5%	$190.9M+11.2%	$171.6M+77.3%	$96.8M
Net Income	$824.0M+18.6%	$695.0M+11.6%	$623.0M+22.2%	$510.0M+9.4%	$466.0M+59.0%	$293.0M
EPS (Diluted)	$11.40+10.6%	$10.31+7.6%	$9.58+19.5%	$8.02+5.8%	$7.58+62.0%	$4.68

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$927.6M	N/A	$963.8M+4.7%	$920.9M+3.8%	$887.0M	N/A	$615.7M+4.1%	$591.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$228.4M	N/A	$219.7M+0.1%	$219.5M+3.8%	$211.5M	N/A	$211.3M+6.4%	$198.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$348.5M	N/A	$396.8M+6.0%	$374.2M+3.8%	$360.5M	N/A	$406.0M+7.0%	$379.4M
Income Tax	$73.6M	N/A	$79.8M+11.5%	$71.6M+11.8%	$64.0M	N/A	$62.7M+6.4%	$59.0M
Net Income	$227.4M	N/A	$216.3M+10.6%	$195.5M+3.4%	$189.0M	N/A	$170.0M+11.6%	$152.4M
EPS (Diluted)	$3.22	N/A	$2.780.0%	$2.78+3.3%	$2.69	N/A	$2.47+6.5%	$2.32

WTFCN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$71.1B+9.7%	$64.9B+15.3%	$56.3B+6.3%	$52.9B+5.6%	$50.1B+11.2%	$45.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$467.9M+2.1%	$458.5M+8.3%	$423.5M-13.7%	$491.0M+19.4%	$411.2M+27.5%	$322.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$14.6M+8.0%	$13.5M-11.2%	$15.2M+44.3%	$10.5M-17.9%	$12.8M+16.3%	$11.0M
Goodwill	$798.0M+0.1%	$796.9M+21.4%	$656.7M+0.5%	$653.5M-0.2%	$655.1M+1.5%	$645.7M
Total Liabilities	$63.9B+9.1%	$58.5B+15.1%	$50.9B+5.6%	$48.2B+5.5%	$45.6B+11.4%	$41.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	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
Retained Earnings	$4.5B+16.4%	$3.9B+16.5%	$3.3B+17.4%	$2.8B+16.4%	$2.4B+17.7%	$2.1B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$72.2B+1.4%	$71.1B+2.2%	$69.6B+0.9%	$69.0B+4.7%	$65.9B+1.5%	$64.9B+1.7%	$63.8B+6.7%	$59.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$543.7M+16.2%	$467.9M-17.2%	$565.5M-18.7%	$695.6M+12.9%	$616.3M+34.4%	$458.5M-37.3%	$731.1M+76.0%	$415.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	$14.6M	N/A	N/A	N/A	$13.5M	N/A	N/A
Goodwill	$797.7M0.0%	$798.0M0.0%	$797.6M-0.1%	$798.1M+0.2%	$796.9M0.0%	$796.9M-0.5%	$800.8M+22.1%	$656.0M
Total Liabilities	$64.8B+1.4%	$63.9B+2.1%	$62.6B+1.3%	$61.8B+4.2%	$59.3B+1.3%	$58.5B+2.0%	$57.4B+5.8%	$54.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$7.4B+1.6%	$7.3B+3.0%	$7.0B-2.5%	$7.2B+9.5%	$6.6B+4.0%	$6.3B-0.9%	$6.4B+15.6%	$5.5B
Retained Earnings	$4.7B+4.0%	$4.5B+4.2%	$4.4B+3.7%	$4.2B+3.8%	$4.0B+3.8%	$3.9B+4.0%	$3.7B+3.7%	$3.6B

WTFCN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$910.3M+26.2%	$721.6M-3.1%	$744.4M-45.9%	$1.4B+21.6%	$1.1B+318.1%	-$518.5M
Capital Expenditures	$50.0M-41.9%	$86.0M+85.4%	$46.4M-13.2%	$53.4M-6.4%	$57.1M-10.3%	$63.6M
Free Cash Flow	$860.4M+35.4%	$635.5M-8.9%	$698.0M-47.2%	$1.3B+23.1%	$1.1B+284.5%	-$582.1M
Investing Cash Flow	-$6.2B-3.7%	-$5.9B-83.7%	-$3.2B+7.2%	-$3.5B+41.1%	-$5.9B+17.5%	-$7.2B
Financing Cash Flow	$5.3B+0.1%	$5.3B+116.8%	$2.4B+10.5%	$2.2B-55.1%	$4.9B-36.8%	$7.7B
Dividends Paid	$169.4M+18.2%	$143.3M+14.0%	$125.7M+16.2%	$108.2M+9.7%	$98.6M+14.8%	$85.9M
Share Buybacks	N/A	N/A	$0	$0-100.0%	$9.5M-89.6%	$92.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$927.2M+268.4%	$251.7M+20.0%	$209.8M-36.3%	$329.2M+174.9%	$119.8M-75.6%	$490.8M+896.4%	-$61.6M-127.9%	$221.2M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	$19.6M+17.2%	$16.7M-57.4%	$39.2M
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	$471.2M+701.7%	-$78.3M-143.0%	$182.1M
Investing Cash Flow	-$1.9B-23.8%	-$1.5B-103.7%	-$740.0M+74.9%	-$2.9B-202.8%	-$973.4M+43.4%	-$1.7B-159.1%	-$663.4M+69.1%	-$2.1B
Financing Cash Flow	$1.0B-12.3%	$1.2B+189.5%	$400.1M-85.2%	$2.7B+166.7%	$1.0B+5.9%	$955.0M-8.2%	$1.0B-46.9%	$2.0B
Dividends Paid	$45.4M+8.4%	$41.9M-10.5%	$46.8M+15.6%	$40.5M+0.3%	$40.3M+9.3%	$36.9M0.0%	$36.9M+4.7%	$35.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

WTFCN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	310.2%+33.0pp	277.2%-5.4pp	282.6%+48.4pp	234.2%+9.3pp	224.9%+52.7pp	172.2%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.80-0.4	9.23-0.2	9.42-0.6	10.04-0.1	10.15+0.2	9.95
FCF Margin	323.9%+70.4pp	253.5%-63.2pp	316.6%-290.4pp	607.0%+88.7pp	518.3%+860.5pp	-342.2%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.5%	N/A	22.4%+1.2pp	21.2%-0.1pp	21.3%	N/A	27.6%+1.9pp	25.8%
Return on Equity	3.1%	N/A	3.1%+0.4pp	2.7%-0.2pp	2.9%	N/A	2.7%-0.1pp	2.8%
Return on Assets	0.3%	N/A	0.3%+0.0pp	0.3%0.0pp	0.3%	N/A	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.78-0.0	8.80-0.1	8.88+0.3	8.55-0.4	8.98-0.2	9.23+0.3	8.97-0.8	9.80
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	-12.7%-43.5pp	30.8%

Frequently Asked Questions

What is Wintrust Finl Corp's annual revenue?

Wintrust Finl Corp (WTFCN) reported $265.6M in total revenue for fiscal year 2025. This represents a 5.9% 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 Finl Corp's revenue growing?

Wintrust Finl Corp (WTFCN) revenue grew by 5.9% year-over-year, from $250.7M to $265.6M in fiscal year 2025.

Is Wintrust Finl Corp profitable?

Yes, Wintrust Finl Corp (WTFCN) reported a net income of $824.0M in fiscal year 2025, with a net profit margin of 310.2%.

What is Wintrust Finl Corp's net profit margin?

Wintrust Finl Corp (WTFCN) had a net profit margin of 310.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Wintrust Finl Corp pay dividends?

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

What is Wintrust Finl Corp's return on equity (ROE)?

Wintrust Finl Corp (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 Finl Corp's free cash flow?

Wintrust Finl Corp (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 Finl Corp's operating cash flow?

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

What are Wintrust Finl Corp's total assets?

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

What are Wintrust Finl Corp's capital expenditures?

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

How many shares does Wintrust Finl Corp have outstanding?

Wintrust Finl Corp (WTFCN) had 67M shares outstanding as of fiscal year 2025.

What is Wintrust Finl Corp's debt-to-equity ratio?

Wintrust Finl Corp (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 Finl Corp's return on assets (ROA)?

Wintrust Finl Corp (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 Finl Corp's Piotroski F-Score?

Wintrust Finl Corp (WTFCN) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. 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 Finl Corp's earnings high quality?

Wintrust Finl Corp (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 Finl Corp?

Wintrust Finl Corp (WTFCN) scores 31 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.