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Wintrust Financial

WTFC Nasdaq Regional Banks Financials FY2016–FY2025

Wintrust Financial's revenue rose 11.2% to $2.7 billion in fiscal 2025. Net income was $824 million, up 18.5%. Its return on equity was 12.1%, up from 11.8% a year earlier. Its efficiency ratio was 55.5%, down from 57.2% a year earlier. It paid out $169 million in dividends and buybacks. The diluted share count rose 4.9%.

Last close · Oct 23, 2026

$150.77

0.7%
Value it Compare
Revenue Total sales reported in the income statement.
$2.7B
11.2% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
55.5%
1.8 pts
Net income Profit after all expenses, interest and tax.
$824M
18.5%
Return on equity Net income as a share of average shareholders' equity.
12.1%
0.3 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$10.2B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.1x
On $12.45 EPS (TTM)

What Wintrust Financial does

No business description yet.

Legal name
WINTRUST FINANCIAL CORP
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0001015328-26-000007
0001015328

Revenue and margins

Wintrust Financial had $2.7B of revenue in fiscal 2025, up 11.2% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 13.5% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Wintrust Financial returned $169M to shareholders in fiscal 2025. The diluted share count rose 4.9%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Wintrust Financial yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 12.1x · peers 11.9x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Deposits $42.1B$42.9B$45.4B$52.5B$57.7B
Total assets $50.1B$52.9B$56.3B$64.9B$71.1B
Shareholders' equity $4.5B$4.8B$5.4B$6.3B$7.3B
Goodwill $655M$654M$657M$797M$798M
Intangible assets $28.3M$22.2M$22.9M$122M$98.0M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$7.3M

7 insiders

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Aug 13, 2026 David A DykstraVice Chairman and COO Sold 13,515 $162.77 $2.2M Form 4
May 4, 2026 Suzet M McKinneyDirector Sold 500 $148.96 $0.1M Form 4
Apr 27, 2026 David A DykstraVice Chairman and COO Sold 9,579 $148.82 $1.4M Form 4
Apr 23, 2026 David L StoehrChief Financial Officer Sold 3,020 $150.45 $0.5M Form 4
Mar 4, 2026 Jeffrey D HahnfeldEvp-controller & Chief Acc Off Sold 530 $145.65 $0.1M Form 4
Mar 2, 2026 Richard B MurphyVice Chair,chief Lending Ofc Sold 3,979 $147.12 $0.6M Form 4
Feb 4, 2026 Kathleen M BoegeEVP, Chief Legal Ofc, And Sec Sold 5,000 $159.61 $0.8M Form 4
Jan 30, 2026 David Eric LeeVice Chair, Wintrust Financial Sold 558 $147.42 $0.1M Form 4
Jan 29, 2026 David L StoehrChief Financial Officer Sold 2,499 $146.16 $0.4M Form 4
Jan 29, 2026 Kathleen M BoegeEVP, Chief Legal Ofc, And Sec Sold 5,000 $146.38 $0.7M Form 4
Jan 29, 2026 Richard B MurphyVice Chair,chief Lending Ofc Sold 3,291 $146.05 $0.5M Form 4
Jan 27, 2026 Jeffrey D HahnfeldEvp-controller & Chief Acc Off Sold 314 $145.43 $0.0M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Wintrust Financial WTFC $10.2B 11.2% — — — 12.1x —
South State Bank SSB $10.7B 56.1% — — — 11.1x — Compare →
UMB Financial UMBF $10.0B 62.8% — — — 11.3x — Compare →
East West Bancorp EWBC $18.2B 12.2% — — — 12.6x — Compare →
Old National Bank ONB $9.3B 33.9% — — — 13.0x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $1.0B $1.2B $1.3B $1.5B $1.6B $1.7B $2.0B $2.3B $2.5B $2.7B
Net interest income $722M $832M $965M $1.1B $1.0B $1.1B $1.5B $1.8B $2.0B $2.2B
Noninterest income $325M $320M $356M $407M $604M $586M $461M $434M $488M $502M
Noninterest expense $682M $732M $826M $928M $1.0B $1.1B $1.2B $1.3B $1.4B $1.5B
Provision for credit losses $34.1M $29.8M $34.8M $53.9M $214M −$59.3M $78.6M $114M $101M $95.6M
Pretax income $332M $390M $460M $480M $390M $638M $701M $845M $947M $1.1B
Income tax $125M $132M $117M $124M $96.8M $172M $191M $223M $252M $295M
Net income $207M $258M $343M $356M $293M $466M $510M $623M $695M $824M
Net income to common $192M $248M $335M $348M $272M $438M $482M $595M $667M $774M
Diluted EPS $3.66 $4.40 $5.86 $6.03 $4.68 $7.58 $8.02 $9.58 $10.31 $11.40
Diluted shares 0.05B 0.06B 0.06B 0.06B 0.06B 0.06B 0.06B 0.06B 0.06B 0.07B
Cash flow
Stock-based compensation $9.3M $12.9M $13.5M $11.3M −$4.9M $16.2M $31.7M $33.5M $38.1M $41.6M
Share buybacks $0.6M $0.4M $0.0M $0.0M $92.1M $9.5M $0.0M $0.0M $0.0M $0.0M
Dividends paid $38.6M $40.5M $51.0M $65.1M $85.9M $98.6M $108M $126M $143M $169M
Dividends and buybacks $39.2M $40.9M $51.0M $65.1M $178M $108M $108M $126M $143M $169M
Balance sheet
Loans, net $19.7B $21.5B $23.7B $26.6B — — — — — —
Deposits $21.7B $23.2B $26.1B $30.1B $37.1B $42.1B $42.9B $45.4B $52.5B $57.7B
Goodwill $499M $502M $573M $645M $646M $655M $654M $657M $797M $798M
Intangible assets $0.0M $0.0M $0.0M $47.1M $36.0M $28.3M $22.2M $22.9M $122M $98.0M
Total assets $25.7B $27.9B $31.2B $36.6B $45.1B $50.1B $52.9B $56.3B $64.9B $71.1B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $2.7B $3.0B $3.3B $3.7B $4.1B $4.5B $4.8B $5.4B $6.3B $7.3B
Margins
Net margin 19.8% 22.4% 26.0% 24.3% 17.8% 27.2% 26.1% 27.4% 28.4% 30.2%
Net interest share of revenue 68.9% 72.3% 73.0% 72.2% 63.3% 65.8% 76.4% 80.9% 80.1% 81.6%
Efficiency ratio 65.1% 63.6% 62.5% 63.5% 63.3% 66.2% 60.2% 57.8% 57.2% 55.5%
Returns
Return on equity 8.2% 9.1% 11.0% 10.2% 7.5% 10.8% 11.0% 12.2% 11.8% 12.1%
Return on assets 0.9% 1.0% 1.2% 1.1% 0.7% 1.0% 1.0% 1.1% 1.2% 1.2%
Return on tangible equity 9.5% 10.6% 13.0% 12.2% 8.4% 12.1% 12.1% 13.5% 13.2% 13.1%
Growth
Revenue growth 14.7% 9.9% 14.7% 10.7% 12.5% 4.1% 14.3% 16.1% 7.9% 11.2%
Net income growth 32.0% 24.6% 33.2% 3.7% −17.6% 59.1% 9.3% 22.2% 11.6% 18.5%
EPS growth 24.9% 20.2% 33.2% 2.9% −22.4% 62.0% 5.8% 19.5% 7.6% 10.6%
Share count change 4.5% 4.5% 0.9% 0.7% 0.7% −0.4% 4.0% 3.3% 4.2% 4.9%
Financial health
Loans / deposits 91.0% 92.8% 90.7% 88.5% — — — — — —
Provision / loans 0.2% 0.1% 0.2% 0.2% — — — — — —
Capital allocation
Stock comp / revenue 0.9% 1.1% 1.0% 0.8% −0.3% 1.0% 1.6% 1.5% 1.6% 1.5%

Source: SEC EDGAR XBRL filings (CIK 0001015328). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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