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Wintrust Financial(NASDAQ) WTFC

Current Price$158.66
Market Cap$10.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1996)+2,204%
5 Year+146%
1 Year+21%
1 Month-1%
Wintrust Financial last closing stock price
MetricPriceDate
Last closeUSD 158.662026-07-24
Wintrust Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.43%USD 164.302026-07-17
1 month-0.72%USD 159.812026-06-24
3 month+7.67%USD 147.362026-04-24
Year to date+14.3%USD 138.812025-12-31
1 year+21.29%USD 130.812025-07-24
3 year+100.6%USD 79.092023-07-25
5 year+145.95%USD 64.512021-07-23
Since inception+2,204.48%USD 6.881996-09-23

Wintrust Financial Financials at a Glance

Market Cap

$10.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$4.35B

Net Income (TTM)

$900.36M

EPS (TTM)

$12.45

P/E Ratio

12.75

Dividend

$2.10

Beta (Volatility)

1.09 (Average)

Price

$158.66

Volume

15,341

Open

$157.94

Previous Close

$158.66

Daily Range

$157.04 - $159.51

52-Week Range

$119.61 - $167.22

Estimated Earnings Date

Oct 19, 2026

WTFC News

SellAlert-Blue.png

Why One Fund Trimmed 1.4% Exposure to a Bank Stock Up 13% in a Year

Jonathan PoncianoFeb 1, 2026
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Wintrust Beats Q2 Earnings Estimates

Motley Fool Markets TeamJul 23, 2025

Regional Bank Earnings Roundup

Robert EberhardJan 19, 2012

Wintrust Earnings Preview

Narrative ScienceJul 17, 2011

Could This Be a Banking Winner?

Matt KoppenhefferOct 8, 2010

WTFC: Motley Fool Moneyball Superscore

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About Wintrust Financial

Wintrust helps people and businesses manage their money through local banks and specialized loans. The company offers personal banking, insurance financing, and wealth management services across the Midwest. These tools make it easier for customers to save, borrow, and plan for their financial future.

What Wintrust Does

  • Community Banking: Personal and commercial banking services for individuals and small businesses; accounted for 74.7% of consolidated net revenues in 2025.
  • Specialty Finance: Financing for insurance premiums and equipment leasing for business clients; contributed 18.4% of consolidated net revenues in 2025.
  • Wealth Management: Investment, trust, and retirement services for affluent individuals and institutions; represented 6.9% of consolidated net revenues in 2025.
  • Mortgage Banking: Residential loan origination and sales through Wintrust Mortgage and the Veterans First brand.

Growth and New Frontiers

  • Acquired Macatawa Bank to expand the banking footprint into the west Michigan market.
  • Transitioned the wealth management support platform to LPL Financial Holdings in early 2025 to focus on client growth.
  • Expanded physical presence in 2025 by opening five new branch locations across the Chicago area and southern Wisconsin.
  • Acquired Chicago Deferred Exchange Company to provide specialized tax-deferred exchange services for real estate investors.

What Makes Wintrust Different

Wintrust uses a unique structure of sixteen separate bank charters to offer high-level FDIC insurance by spreading large deposits across multiple banks. The company combines the resources of a large financial institution with a decentralized management style that keeps decision-making in local communities.

The Financial Scorecard

  • Net income rose to $227 million in Q1 2026, up 20.3% from the same period in 2025.
  • Total revenue reached $1.1 billion in Q1 2026, a 5.8% increase over Q1 2025.
  • Operating income grew to $301 million in Q1 2026, up 18.9% year-over-year.
  • Total assets climbed to $71.1 billion by December 31, 2025, supported by strategic acquisitions and internal loan growth.
  • Free cash flow was recorded at $229 million for the quarter ended December 31, 2025.

Bottom Line

Wintrust has transformed from a local bank group into a diversified financial services firm with significant specialized lending niches. Its focus on community-based service and strategic market expansion has driven consistent growth in its asset base and earnings.

AI Generated • Apr 21, 2026

Industry

Banks

Sector

Financials

Employees

5,902

CEO

Timothy S. Crane, MBA

Website

www.wintrust.com

Headquarters

Rosemont, IL 60018, US

WTFC Financials

Key Financial Metrics (TTM)

Gross Margin

63.55%

Operating Margin

28.24%

Net Income Margin

20.72%

Return on Equity

12.33%

Return on Capital

9.53%

Return on Assets

1.21%

Earnings Yield

7.84%

Dividend Yield

1.32%

Payout Ratio

19.37%

Stock Overview

Market Cap

$10.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

67.45M

Volume

15.34K

Avg. Volume

532.37K

Financials (TTM)

Gross Profit

$2.76B

Operating Income

$1.23B

EBITDA

$1.32B

Operating Cash Flow

$1.72B

Capital Expenditure

-$36.24M

Free Cash Flow

$1.68B

Cash & ST Invst.

$15.02B

Total Debt

$4.37B

Wintrust Financial Performance Analysis

Wintrust Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 2,244,698,00020.4%
20232023-12-31USD 3,313,539,00047.6%
20242024-12-31USD 3,966,621,00019.7%
20252025-12-31USD 4,214,773,0006.3%
Wintrust Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.8%
Q42025-12-31-0.7%
Q12026-03-31-2.3%
Q22026-06-303.9%
Wintrust Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 8.025.7%
20232023-12-31USD 9.5819.5%
20242024-12-31USD 10.317.6%
20252025-12-31USD 11.4010.6%
Wintrust Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.4%
Q42025-12-3118.3%
Q12026-03-31-2.4%
Q22026-06-302.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$1.10B

+5.5%

Gross Profit

$715.50M

+10.3%

Gross Margin

64.89%

N/A

Market Cap

$10.70BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.81M

N/A

Employees

5,902

N/A

Net Income

$233.69M

+19.5%

EBITDA

$328.09M

+10.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$15.02B

+51.4%

Total Debt

$4.37B

+1.0%

Accounts Receivable

$1.67B

+594.3%

Inventory

$0.00

N/A

Long Term Debt

$552.39M

-87.2%

Short Term Debt

$3.82B

N/A

Return on Assets

1.21%

N/A

Return on Invested Capital

12.64%

N/A

Free Cash Flow

$913.97M

+619.4%

Operating Cash Flow

$927.18M

+674.2%

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Questions About WTFC

What is the current price of Wintrust Financial?

Wintrust Financial is trading at $158.66 per share.

What is the 52-week range for Wintrust Financial?

Over the past 52 weeks, Wintrust Financial has traded between $119.61 and $167.22.

How much debt does Wintrust Financial have?

As of the most recent reporting period, Wintrust Financial reported total debt of $4.37B.

How much cash does Wintrust Financial have on hand?

Wintrust Financial does not have cash on hand data available.

What is Wintrust Financial’s dividend yield?

Wintrust Financial currently has a dividend yield of 1.32%.

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