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WINTRUST FINANCIAL CORP

WTFC

$158.73 ▼ -0.37 (-0.23%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

WINTRUST FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $10.6B

Dividend Yield 1.26%

Revenue Growth 11.2% ↗

Op. Margin 41.0% ↗

ROIC None

FCF / Share None

Trailing P/E 13.7x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.73B

↑ +11.2% —

Net Income Profit after all expenses

$823.84M

↑ +18.5% —

Operating Margin Operating profit as % of sales

41.0%

↑ +6.2% 94th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$2.00 Latest / share

+11.1% YoY

+15.8% 12-yr CAGR

$0.40

FY 2014

$0.44

FY 2015

$0.48

FY 2016

$0.56

FY 2017

$0.76

FY 2018

$1.00

FY 2019

$1.12

FY 2020

$1.24

FY 2021

$1.36

FY 2022

$1.60

FY 2023

$1.80

FY 2024

$2.00

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	11.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	7.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	16.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+169%)	14.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+139%)	4.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	12.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+107%)	10.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	14.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+145%)	9.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+65%)	14.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+145%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+103%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	14.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+142%)	7.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	-3.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	82.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1281%)	—	—
EPS Growth YoY (%)	10.5% Fair → Fair Stable Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	19.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	5.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	62.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	31.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	25.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-2.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	35.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	92.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-51.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	185.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	18.5% Good ↑ Good Improving Year-over-year change in net income	11.6% Fair ↓ Fair Declining Year-over-year change in net income	22.2% Good ↑ Good Improving Year-over-year change in net income	9.3% Fair ↓ Fair Declining Year-over-year change in net income	59.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-17.6% Weak ↓ Weak Declining Year-over-year change in net income	3.7% Caution ↓ Caution Declining Year-over-year change in net income	33.2% Excellent ↑ Excellent Improving Year-over-year change in net income	24.6% Good ↑ Good Improving Year-over-year change in net income	32.0% Excellent ↑ Excellent Improving Year-over-year change in net income	3.5% Caution ↓ Caution Declining Year-over-year change in net income	10.3% Fair ↓ Fair Declining Year-over-year change in net income	23.4% Good ↑ Good Improving Year-over-year change in net income	43.3% Excellent ↓ Excellent Declining Year-over-year change in net income	22.5% Good ↓ Good Declining Year-over-year change in net income	-13.3% Weak Weak Year-over-year change in net income	256.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.7% Good → Good Stable Compound annual revenue growth over 3 years	12.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.6% Good → Good Stable Compound annual revenue growth over 3 years	11.8% Good → Good Stable Compound annual revenue growth over 3 years	13.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.0% Fair → Fair Stable Compound annual revenue growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.8% Fair Fair Compound annual revenue growth over 3 years	23.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.6% Good → Good Stable Compound annual revenue growth over 5 years	10.9% Good → Good Stable Compound annual revenue growth over 5 years	11.5% Good → Good Stable Compound annual revenue growth over 5 years	11.2% Good → Good Stable Compound annual revenue growth over 5 years	10.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.0% Good → Good Stable Compound annual revenue growth over 5 years	8.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	5.3% Fair Fair Compound annual revenue growth over 5 years	17.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	12.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	10.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	27.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	8.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	1.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	45.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.0% Fair Fair Compound annual EPS growth over 3 years	38.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	41.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	38.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	37.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	35.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	37.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	23.7% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	26.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	30.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	27.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	26.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	27.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	17.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	26.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	17.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	17.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	14.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	10.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	11.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	6.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	11.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	7.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	6.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	6.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	1.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$40.75	$38.48	$37.15	$33.04	$30.02	$28.58	$25.72	$23.46	$21.05	$20.84	$19.09	$17.49	$19.98	$20.50	$18.42	$20.23	$26.22	$14.57	—
Basic EPS, GAAP (USD)	$11.57	$10.47	$9.72	$8.14	$7.69	$4.72	$6.11	$5.95	$4.53	$3.83	$3.05	$3.12	$3.33	$2.81	$2.08	$1.08	$2.23	$0.78	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$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	—
Book Value per Share (USD)	$108.38	$95.41	$88.16	$78.90	$78.85	$72.50	$63.84	$57.93	$54.42	$53.61	$49.17	$44.49	$0.04	$0.05	$0.04	$41.20	$47.42	$45.15	—
Tangible Book Value per Share (USD)	$95.00	$81.59	$77.07	$67.79	$66.87	$60.49	$51.87	$47.77	$45.25	$43.70	$38.80	$35.37	$0.03	$0.04	$0.03	$33.14	$47.42	$45.15	—
Basic Weighted Avg Shares (shares)	66.90M	63.69M	61.15M	59.20M	56.99M	57.52M	56.86M	56.30M	54.70M	50.28M	47.84M	46.52M	38.70M	36.37M	35.35M	30.06M	24.01M	23.62M	—
Dividend Payout Ratio (%)	17.3% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	17.2% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	16.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.8% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	12.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	6.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	46.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$7.26B	$6.34B	$5.40B	$4.80B	$4.50B	$4.12B	$3.69B	$3.27B	$2.98B	$2.70B	$2.35B	$2.07B	$1.90B	$1.80B	$1.54B	$1.44B	$1.14B	$1.07B	$739.55M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$2.73B	$2.45B	$2.27B	$1.96B	$1.71B	$1.64B	$1.46B	$1.32B	$1.15B	$1.05B	$913.13M	$813.82M	$773.02M	$745.61M	$651.08M	$608.00M	$629.52M	$344.25M	—
Depreciation Expense (USD)	$66.90M	$61.40M	$56.90M	$53.10M	$54.00M	$46.40M	$38.00M	$33.20M	$31.50M	$32.10M	$31.10M	$28.10M	$26.00M	$23.10M	$19.10M	$17.10M	$17.40M	—	—
Net Income, GAAP (USD)	$823.84M	$695.04M	$622.63M	$509.68M	$466.15M	$292.99M	$355.70M	$343.17M	$257.68M	$206.88M	$156.75M	$151.40M	$137.21M	$111.20M	$77.58M	$63.33M	$73.07M	$20.49M	—
Operating Cash Flow (USD)	$910.35M	$721.56M	$744.38M	$1.38B	$1.13B	$-518.47M	$265.99M	$377.18M	$401.63M	$310.03M	$37.95M	$205.62M	$321.79M	$268.65M	$244.27M	$205.44M	$-841.03M	$151.29M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	3.0%	3.3%	2.8%	2.2%	2.3%	2.9%	3.1%	3.0%	2.8%	2.8%	3.0%	3.0%	3.0%	2.9%	3.0%	2.6%	—	—
Efficiency Ratio (%) (%)	55.5%	57.2%	57.8%	60.2%	66.2%	63.3%	63.5%	62.5%	63.5%	65.1%	68.8%	67.2%	65.0%	65.6%	64.6%	62.9%	54.7%	74.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

WINTRUST FINANCIAL CORP

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19-Year Financial Trajectory

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