Welcome to our dedicated page for Wintrust Fincl SEC filings (Ticker: WTFC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Wintrust Financial Corp (WTFC) SEC filings page provides access to the company’s regulatory disclosures as a financial holding company listed on the Nasdaq Global Select Market. These filings document key aspects of Wintrust’s operations in community banking, specialty finance, and wealth management, as well as its capital structure and governance. Investors can review current reports, earnings-related disclosures, and other material agreements that affect the company’s financial condition and obligations.
Recent Form 8-K filings include announcements of quarterly and year-to-date earnings, with accompanying press releases and slide presentations that detail net interest income, loan and deposit growth, non-interest income, and credit quality measures. Other 8-Ks describe board actions such as the appointment of new independent directors to committees including Risk Management, Information Technology & Information Security, Audit, and Finance, and outline amendments to financing arrangements at subsidiaries, such as receivables purchase agreements and related guarantees.
Capital markets and listing changes are also reflected in Wintrust’s SEC documents. A Form 25 filing shows the removal from listing of certain preferred stock series and related depositary shares, following the company’s decision to redeem those securities. Additional filings identify the listing of depositary shares representing interests in the company’s 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, under the symbol WTFCN.
On Stock Titan, AI-powered tools summarize Wintrust’s filings to highlight the most important points, such as the nature of new obligations, the impact of capital actions, and the context of earnings releases. Users can quickly scan real-time updates from EDGAR, review Form 8-K disclosures, and track changes in Wintrust’s preferred stock and depositary share listings, while using AI-generated insights to better understand the implications of each filing.
Wintrust Financial Corporation, through its Canadian subsidiary First Insurance Funding of Canada Inc., has amended its long‑standing receivables funding arrangement with Plaza Trust, administered by Royal Bank of Canada. The Thirteenth Amending Agreement extends the Commitment Maturity Date of the Receivables Purchase Agreement to December 15, 2026 and reduces the facility limit from $650 million to $580 million, while also making technical and ministerial changes.
Wintrust has confirmed its performance guarantee in favor of Plaza Trust, continuing to back First Canada’s obligations under the Receivables Purchase Agreement and future amendments. A new fee letter dated December 15, 2025 replaces the prior August 29, 2024 letter and updates fund costs, rates, notices and fees associated with this funding structure.
Wintrust Financial Corp. (WTFC) founder and senior advisor, an officer of the company, reported a routine equity transaction. On 11/20/2025, the reporting person received 286 shares of common stock as dividends awarded in shares pursuant to previously granted restricted stock units, at a reference price of $127.91 per share. Following this transaction, the reporting person beneficially owns 181,908 common shares directly, 8,244 common shares through a 401(k) plan, and 25,987 common shares indirectly through a spouse. The filing also reports ownership of 2,382 depositary shares of Series F preferred stock directly and 3,919 such depositary shares indirectly through a spouse.
Wintrust Financial Corp (WTFC) reported an insider equity transaction on a Form 4. On 11/20/2025, a company officer serving as vice chairman and COO acquired 164 shares of Wintrust common stock at $127.91 per share. The filing explains these shares were dividends paid in stock under previously granted restricted stock units, rather than an open‑market purchase. After this transaction, the officer directly beneficially owns 182,534 shares of Wintrust common stock.
Wintrust Financial Corp (WTFC) senior vice president and chief risk officer reported a change in indirect ownership of company common stock. On 11/04/2025, a Form 4 transaction with code G showed the disposition of 717 shares of common stock at a price of $0 through an Employee Stock Purchase Plan. Following this transaction, the reporting person indirectly beneficially owned 1 share of common stock through the plan, compared with 718 shares previously held in that account.
Wintrust Financial delivered stronger results for the quarter ended September 30, 2025. Net income rose to $216.3 million from $170.0 million a year earlier, with diluted EPS increasing to $2.78 from $2.47. Net interest income grew to $567.0 million, supported by higher loan balances, while the provision for credit losses was $21.8 million, slightly below last year.
Total assets reached $69.6 billion, up from $64.9 billion at December 31, 2024, as loans expanded to $52.1 billion. Deposits increased to $56.7 billion, with a stable mix across non‑interest‑bearing, money market, savings and time deposits. Shareholders’ equity climbed to $7.05 billion, reflecting retained earnings growth, unrealized gains in securities and the issuance of Series F preferred stock alongside redemption of prior preferred series.
Wintrust Financial (WTFC) reported insider transactions by a company officer (Vice Chair, Chief Lending Officer). The filing shows two bona fide gifts of common stock: 475 shares on 10/29/2025 and 114 shares on 10/30/2025, each at a reported price of $0. Following these transactions, direct beneficial ownership stood at 41,173 shares after the first gift and 41,059 shares after the second.
The transactions are coded “G,” indicating gifts, and are reported as Direct (D) ownership. This Form 4 reflects personal share transfers and does not indicate any company-level financing or operational change.
Wintrust Financial Corporation furnished an update on operations by announcing its third quarter 2025 earnings and making related materials available. The company posted a press release and an earnings presentation on its website, which are attached as Exhibit 99.1 and Exhibit 99.2.
The information was provided under Item 2.02 and is being furnished and not deemed filed under the Securities Exchange Act of 1934. The materials include supplemental details on non-GAAP financial measures, with references noted within the exhibits.
Initial Form 3 for Wintrust Financial Corp (WTFC) reports that Laura A. Kohl filed an initial statement of beneficial ownership tied to an event on 10/01/2025. The filing lists Ms. Kohl's relationship as a Director and indicates 0 shares of Common Stock owned directly, with no derivative securities reported. The form was signed by an attorney-in-fact on 10/10/2025.
Wintrust Financial Corp (WTFC) reported an initial insider ownership filing showing David S. Richter as a director holding 466 shares of common stock. The Form 3 records the transaction date as 10/01/2025 and indicates the filing was signed by an attorney-in-fact on 10/10/2025. The ownership is listed as direct, and no derivative securities or additional holdings are reported. This filing establishes the reporting obligation and discloses a small, direct equity stake by a company director.
Wintrust Financial Corporation reported the appointment of Ms. Kohl and Mr. Richter as members of its board of directors, with the event dated October 1, 2025. The filing states there are no arrangements or understandings between the new directors and any other person regarding their selection, and that neither is party to any transaction with the company reportable under Regulation S-K Item 404(a). A press release announcing the appointments is attached as Exhibit 99.1.