Wintrust Financial Corporation | Mid-cap | Financial Services
$125.51
-4.50%
| Wintrust Financial Stock Comparison:
Wintrust Financial vs Nu HoldingsWintrust Financial vs U.S. BancorpWintrust Financial vs Webster FinancialWintrust Financial vs Western AllianceWintrust Financial vs UMB FinancialWintrust Financial vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 643.1M
Net Income 189.0M 29.39%
EPS (Diluted) $2.69

Balance Sheet Metrics

Total Assets 65.9B
Total Liabilities 59.3B
Shareholders Equity 6.6B
Debt to Equity 8.98

Cash Flow Metrics

Operating Cash Flow 57.2M
Free Cash Flow 119.8M

Revenue & Profitability Trend

Wintrust Financial Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 2.5B 2.3B 2.0B 1.7B 1.6B
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 919.9M 884.2M 784.2M 766.0M 687.4M
Other Operating Expenses i - - - - -
Total Operating Expenses i 919.9M 884.2M 784.2M 766.0M 687.4M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 947.1M 845.1M 700.6M 637.8M 389.8M
Income Tax i 252.0M 222.5M 190.9M 171.6M 96.8M
Effective Tax Rate % i 26.6% 26.3% 27.2% 26.9% 24.8%
Net Income i 695.0M 622.6M 509.7M 466.2M 293.0M
Net Margin % i 28.4% 27.4% 26.0% 27.2% 17.8%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $10.47 $9.72 $8.14 $7.69 $4.72
EPS (Diluted) i $10.31 $9.58 $8.02 $7.58 $4.68
Basic Shares Outstanding i 63685000 61149000 59205000 56994000 57523000
Diluted Shares Outstanding i 63685000 61149000 59205000 56994000 57523000

Income Statement Trend

Wintrust Financial Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 4.9B 2.5B 2.5B 5.8B 5.1B
Short-term Investments i 3.9B 3.3B 3.0B 2.1B 2.8B
Accounts Receivable i 18.1M 10.6M 16.4M 26.1M 17.4M
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i 278.3M 281.3M 253.9M 242.1M 242.4M
Goodwill i 1.7B 1.3B 1.3B 1.3B 1.3B
Intangible Assets i 121.7M 22.9M 22.2M 28.3M 36.0M
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 64.9B - - - -
Liabilities
Current Liabilities
Accounts Payable i - 1.8B 1.6B 1.1B 1.2B
Short-term Debt i 0 0 290.0M 75.0M 63.0M
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 4.2B 3.6B 3.3B 2.3B 2.4B
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 58.5B - - - -
Equity
Common Stock i 66.6M 61.3M 60.8M 58.9M 58.5M
Retained Earnings i 3.9B 3.3B 2.8B 2.4B 2.1B
Treasury Stock i 6.2M 2.2M 304.0K 109.9M 100.4M
Other Equity - - - - -
Total Shareholders Equity i 6.3B 5.4B 4.8B 4.5B 4.1B
Key Metrics
Total Debt i 4.2B 3.6B 3.6B 2.4B 2.4B
Working Capital i 0 0 0 0 0

Balance Sheet Composition

Wintrust Financial Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 695.0M 622.6M 509.7M 466.2M 293.0M
Depreciation & Amortization i 100.1M 84.8M 82.1M 101.8M 96.4M
Stock-Based Compensation i 38.1M 33.5M 31.7M 16.2M -4.9M
Working Capital Changes i -187.7M -38.6M 295.4M 257.2M -85.4M
Operating Cash Flow i 651.9M 713.6M 1.3B 1.5B -27.5M
Investing Activities
Capital Expenditures i -86.0M -46.4M -53.4M -57.1M -63.6M
Acquisitions i 531.3M -5.1M 0 -585.4M 0
Investment Purchases i -1.9B -2.7B -3.8B -3.7B -2.2B
Investment Sales i 2.7B 2.5B 630.3M 1.8B 3.0B
Investing Cash Flow i 1.2B -256.3M -3.3B -2.6B 744.7M
Financing Activities
Share Repurchases i -3.9M -1.9M -304.0K -9.5M -93.4M
Dividends Paid i -143.3M -125.7M -108.2M -98.6M -85.9M
Debt Issuance i 825.2M 50.7M 1.2B 12.6M 642.1M
Debt Repayment i -223.7M - - -27.8M -
Financing Cash Flow i 448.2M -77.0M 1.4B -139.9M 735.9M
Free Cash Flow i 635.5M 698.0M 1.3B 1.1B -582.1M
Net Change in Cash i 2.3B 380.3M -628.5M -1.2B 1.5B

Cash Flow Trend

Wintrust Financial Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 12.45
Forward P/E 12.89
Price to Book 1.38
Price to Sales 3.55
PEG Ratio 0.62

Profitability Ratios

Profit Margin 29.83%
Operating Margin 43.78%
Return on Equity 11.60%
Return on Assets 1.15%

Financial Health

Debt to Equity 0.62
Beta 0.83

Per Share Data

EPS (TTM) $10.57
Book Value per Share $95.44
Revenue per Share $37.43

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
wtfc 8.8B 12.45 1.38 11.60% 29.83% 0.62
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
Webster Financial 9.8B 11.96 1.09 9.44% 34.45% 0.52
Western Alliance 9.2B 11.30 1.37 12.42% 27.12% 0.93
UMB Financial 9.0B 13.41 1.31 10.05% 27.11% 0.51

Financial data is updated regularly. All figures are in the company's reporting currency.