WTFC
Wintrust Financial Corporation
NASDAQ: WTFC · FINANCIAL SERVICES · BANKS - REGIONAL
$148.04
-1.67% today
Updated 2026-04-29
Market cap
$9.98B
P/E ratio
12.41
P/S ratio
3.71x
EPS (TTM)
$11.93
Dividend yield
1.36%
52W range
$112 – $163
Volume
0.5M
Wintrust Financial Corporation (WTFC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $645.32M | $685.12M | $610.63M | $686.15M | $737.03M | $753.69M | $841.47M | $848.03M | $880.13M | $984.59M | $1.13B | $1.26B | $1.52B | $1.79B | $1.90B | $1.86B | $2.21B | $2.89B | $3.97B | $4.23B |
| Revenue growth (YoY) | — | +6.2% | -10.9% | +12.4% | +7.4% | +2.3% | +11.6% | +0.8% | +3.8% | +11.9% | +14.7% | +11.7% | +20.7% | +17.5% | +6.0% | -1.9% | +18.6% | +31.0% | +37.1% | +6.7% |
| Cost of revenue | $316.12M | $364.89M | $327.60M | $383.67M | $301.94M | $247.05M | $183.94M | $126.11M | $93.23M | $109.88M | $124.35M | $144.16M | $240.74M | $384.09M | $467.33M | $91.26M | $330.67M | $434.45M | $1.62B | $1.60B |
| Gross profit | $329.20M | $320.23M | $283.04M | $302.48M | $435.10M | $506.63M | $657.53M | $721.91M | $786.90M | $874.71M | $1.00B | $1.12B | $1.28B | $1.41B | $1.43B | $1.77B | $1.88B | $2.89B | $2.35B | $2.63B |
| Gross margin | 51.0% | 46.7% | 46.4% | 44.1% | 59.0% | 67.2% | 78.1% | 85.1% | 89.4% | 88.8% | 89.0% | 88.6% | 84.2% | 78.5% | 75.4% | 95.1% | 85.0% | 100.0% | 59.3% | 62.2% |
| R&D | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $137.92M | $145.53M | $150.69M | $208.08M | $233.79M | $251.93M | $302.01M | $321.52M | $347.67M | $394.47M | $421.22M | $446.31M | $497.29M | $555.62M | $651.08M | $718.70M | $724.75M | $34.76M | $858.07M | $939.99M |
| Operating income | $104.24M | $83.82M | $30.64M | $117.50M | $100.81M | $128.03M | $180.13M | $224.44M | $246.43M | $251.76M | $331.85M | $390.00M | $460.13M | $480.10M | $389.78M | $637.80M | $700.55M | $53.30M | $947.09M | $1.12B |
| Operating margin | 16.2% | 12.2% | 5.0% | 17.1% | 13.7% | 17.0% | 21.4% | 26.5% | 28.0% | 25.6% | 29.4% | 30.9% | 30.2% | 26.8% | 20.5% | 34.3% | 31.7% | 1.8% | 23.9% | 26.4% |
| EBITDA | $121.86M | $103.83M | $51.21M | $138.01M | $118.97M | $147.50M | $204.81M | $250.62M | $284.22M | $292.77M | $385.00M | $453.10M | $527.80M | $568.46M | $486.15M | $739.59M | $782.63M | $53.30M | $1.05B | $1.21B |
| EBITDA margin | 18.9% | 15.2% | 8.4% | 20.1% | 16.1% | 19.6% | 24.3% | 29.6% | 32.3% | 29.7% | 34.1% | 35.9% | 34.7% | 31.8% | 25.6% | 39.7% | 35.4% | 1.8% | 26.4% | 28.5% |
| EBIT | $104.24M | $83.82M | $30.64M | $117.50M | $100.81M | $128.03M | $180.13M | $224.44M | $246.43M | $251.76M | $331.85M | $390.00M | $460.13M | $480.10M | $389.78M | $636.98M | $700.55M | $53.30M | $947.09M | $1.12B |
| Interest expense | $309.06M | $350.01M | $270.16M | $215.74M | $177.27M | $144.42M | $107.50M | $80.08M | $72.69M | $76.94M | $90.26M | $114.39M | $205.91M | $330.22M | $253.11M | $150.53M | $252.08M | $1.06B | $1.52B | $1.50B |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $66.49M | $55.65M | $20.49M | $73.07M | $63.33M | $77.58M | $111.20M | $137.21M | $151.40M | $156.75M | $206.88M | $257.68M | $343.17M | $355.70M | $292.99M | $466.15M | $509.68M | $622.63M | $695.04M | $823.84M |
| Net income growth (YoY) | — | -16.3% | -63.2% | +256.6% | -13.3% | +22.5% | +43.3% | +23.4% | +10.3% | +3.5% | +32.0% | +24.6% | +33.2% | +3.7% | -17.6% | +59.1% | +9.3% | +22.2% | +11.6% | +18.5% |
| Profit margin | 10.3% | 8.1% | 3.4% | 10.6% | 8.6% | 10.3% | 13.2% | 16.2% | 17.2% | 15.9% | 18.3% | 20.4% | 22.5% | 19.9% | 15.4% | 25.0% | 23.1% | 21.5% | 17.5% | 19.5% |