MARKETS / NASDAQ / Financials / Banks / WTFC

NASDAQ · STATE COMMERCIAL BANKS · LARGE CAP

Wintrust Financial Corp. WTFC

18 fiscal years on record · USD · FY2025 reported · SEC filings only

7 YEARS OF DIVIDEND GROWTH

Net income

$823.8M

▲ 18.5% YoY

Free cash flow

$860.4M

▲ 35.4% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Wintrust Financial Corporation provides community-oriented, personal and commercial banking services to customers located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana and west Michigan. It is a financial holding company based in Rosemont, Illinois, with total assets of approximately $71.1 billion as of December 31, 2025. As of December 31, 2025, Wintrust employed 5,902 full-time equivalent employees in the U.S. and Canada. Its operations consist of three primary segments: community banking, specialty finance and wealth management. Through its community banking segment, the banks also offer home equity, consumer and real estate loans, safe deposit facilities, ATMs, and online and mobile banking. Through its specialty finance segment, it offers financing of insurance premiums for businesses and individuals, insurance banking services to insurance agents, brokers, insurance carriers and other insurance businesses, and accounts receivable financing and outsourced administrative services. Through its wealth management segment, it offers trust and investment services, tax-deferred like-kind exchange services, asset management solutions and securities brokerage services through four subsidiaries: WPT, Wintrust Investments, GLA and CDEC. Wintrust Financial Corporation was incorporated in Illinois in 1992.

Written from the business description in WINTRUST FINANCIAL CORP's annual report to the U.S. Securities and Exchange Commission, filed 26 February 2026. Every sentence was checked against that document before publication.

Growth

Revenue, FY2025 · full 18-year series below

Compound annual growth

Net income

+17.4%

+23.0%

+18.0%

+18.7%

EPS, diluted

+12.4%

+19.5%

Dividend / share

+13.7%

+12.3%

Returned to shareholders

+16.1%

−1.0%

+18.8%

+14.3%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 12.1%

5%10%

200820162025

Three returns, three denominators.

Return on equity12.1%

Return on assets1.2%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 1.2B

Each USD of equity produced 12 cents of profit this year.

Cash & shareholders

USD 169.4M

returned in FY2025 · dividends + net buybacks

Free cash flow $B

FY2025 · FCF 0.9

0.5B1.0B-0.4B-0.8B

200820162025

Net buybacks $M Dividends $M

FY2025 · Dividends 169.4 · Net buybacks ·

100M200M-150M-300MDividendsNet buybacks

2008201120142017202020232025

Dividends paidUSD 169.4M

Net buybacks·

Share of profit20.6%

Consecutive raises7 years (since the 2018 share-count change)

USD 169.4M in dividends — 21% of the year's profit went back to shareholders.

Total assetsUSD 71.1B

EquityUSD 7.3B

CashUSD 467.9M

Gross debtUSD 0.00

Net debtUSD -467.9M

DepositsUSD 57.7B

The company holds more cash than debt.

The 18-year record

18 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data

WTFC, 18-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	1.1	0.9	0.8	0.7	0.6	0.4	0.5	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
EBITDA $B	1.2	1.0	0.9	0.8	0.7	0.4	0.5	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Income tax $B	0.3	0.3	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.0	0.0
Net income $B	0.8	0.7	0.6	0.5	0.5	0.3	0.4	0.3	0.3	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.0
Free cash flow $B	0.9	0.6	0.7	1.3	1.1	−0.6	0.2	0.3	0.3	0.3	−0.0	0.2	0.2	0.2	0.2	0.1	−0.9	0.1
EPS, diluted $	11.40	10.31	9.58	8.02	7.58	4.68	6.03	5.86	4.40	3.66	2.93	2.98	2.75	2.31	1.67	1.02	2.18	0.76
Dividend / sh $	2.00	1.80	1.60	1.36	1.24	1.12	1.00	0.76	0.56	0.48	0.44	0.40	0.18	0.18	0.18	0.18	0.27	0.36
Payout %	21	21	20	21	21	29	18	15	16	19	19	16	10	12	13	36	30	44
ROE %	12.1	11.8	12.2	11.0	10.8	7.5	10.2	11.0	9.1	8.2	7.1	7.6	7.4	6.6	5.2	4.9	6.6	1.9
Shares out B	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.06	◌	◌	◌	◌	46.12	36.86	35.98	0.03	◌	◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 53 reconciliationsAUDITED

Reconciled in 18 of the 18 fiscal years we could check. Two checks were skipped: the balance sheet is not tagged before 2009. One check was skipped: EPS is not tagged before 2008.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inIllinois

Fiscal year endsDecember 31

Data on record since2008