WTFC

MKT CAP:$10B

Wintrust Financial Corporation

Market Cap

$10B

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$147.91+$5.25 (+3.68%)

Apr 24, 2026

Company Details

Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brok...

CEO

Timothy S. Crane

IPO Date

Apr 16, 1998

Website

www.wintrust.com

Key Metrics TTM

Revenue

$4.3B

+6.6% YoY

Net Income

$862M

EPS (Diluted)

$12.09

Free Cash Flow

$895M

Revenue / Share

$62.97

Gross Margin

62.8%

Operating Margin

27.2%

Net Margin

20.1%

FCF Margin

20.9%

P/S

2.3x

P/E

11.6x

Earnings Reports

Q1 2026

Apr 20, 2026

NEW

$1.1B+5.8%EPS $3.22

FY 2025

Feb 26, 2026

$4.2B+6.7%EPS $11.56

Q4 2025

Feb 26, 2026

$1.1B+5.8%EPS $3.30

Q3 2025

Nov 6, 2025

$1.1B+7.1%EPS $2.79

Q2 2025

Aug 6, 2025

$1.0B+7.6%EPS $2.78

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$475M	$420M	$132M
Q3 22	$568M	$497M	$200M
Q4 22	$677M	$506M	$195M
Q1 23	$747M	$543M	$244M
Q2 23	$810M	$532M	$211M
Q3 23	$875M	$555M	$225M
Q4 23	$895M	$528M	$165M
Q1 24	$946M	$583M	$250M
Q2 24	$971M	$552M	$211M
Q3 24	$1.0B	$593M	$233M
Q4 24	$1.0B	$622M	$253M
Q1 25	$1.0B	$619M	$253M
Q2 25	$1.0B	$649M	$267M
Q3 25	$1.1B	$676M	$296M
Q4 25	$1.1B	$687M	$302M
Q1 26	$1.1B	$684M	$301M

Valuation

Quarter	P/S	P/E
Q2 22	2.5x	11.1x
Q3 22	2.6x	11.0x
Q4 22	2.4x	10.2x
Q1 23	1.8x	7.8x
Q2 23	1.6x	7.2x
Q3 23	1.5x	7.1x
Q4 23	1.7x	9.2x
Q1 24	1.8x	10.1x
Q2 24	1.8x	10.3x
Q3 24	1.9x	11.4x
Q4 24	2.1x	11.9x
Q1 25	1.9x	10.8x
Q2 25	2.0x	11.2x
Q3 25	2.1x	11.3x
Q4 25	2.2x	11.5x
Q1 26	2.1x	10.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$458M	$450M
Q2 22	$365M	$350M
Q3 22	$232M	$218M
Q4 22	$320M	$304M
Q1 23	$68M	$59M
Q2 23	$340M	$340M
Q3 23	$88M	$68M
Q4 23	$248M	$231M
Q1 24	$71M	$61M
Q2 24	$221M	$182M
Q3 24	-$62M	-$78M
Q4 24	$491M	$471M
Q1 25	$120M	$127M
Q2 25	$329M	$322M
Q3 25	$210M	$217M
Q4 25	$252M	$229M

Capital Expenditures

Quarter	CapEx
Q1 22	$8M
Q2 22	$16M
Q3 22	$14M
Q4 22	$16M
Q1 23	$9M
Q2 23	$179.0K
Q3 23	$20M
Q4 23	$17M
Q1 24	$11M
Q2 24	$39M
Q3 24	$17M
Q4 24	$20M
Q1 25	$7M
Q2 25	$7M
Q3 25	$7M
Q4 25	$23M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+5.8%	+12.6%
Q3 22	+23.8%	+19.0%
Q4 22	+46.9%	+48.8%
Q1 23	+52.2%	+58.8%
Q2 23	+70.6%	+74.4%
Q3 23	+54.0%	+76.7%
Q4 23	+32.1%	+51.4%
Q1 24	+26.6%	+38.1%
Q2 24	+19.9%	+26.9%
Q3 24	+16.8%	+21.4%
Q4 24	+14.8%	+6.1%
Q1 25	+6.1%	+7.8%
Q2 25	+7.6%	+2.4%
Q3 25	+7.1%	+1.2%
Q4 25	+5.8%	+1.4%
Q1 26	+5.8%	+1.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$8M	1.6%
Q2 22	$7M	1.5%
Q3 22	$9M	1.6%
Q4 22	$8M	1.2%
Q1 23	$8M	1.1%
Q2 23	$8M	1.0%
Q3 23	$8M	0.9%
Q4 23	$9M	1.0%
Q1 24	$9M	1.0%
Q2 24	$9M	0.9%
Q3 24	$9M	0.9%
Q4 24	$11M	1.0%
Q1 25	$10M	1.0%
Q2 25	$10M	1.0%
Q3 25	$10M	0.9%
Q4 25	$11M	1.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$174M	$17M
Q3 22	$183M	$17M
Q4 22	$187M	$14M
Q1 23	$185M	$12M
Q2 23	$194M	$18M
Q3 23	$202M	$18M
Q4 23	$238M	$17M
Q1 24	$205M	$13M
Q2 24	$209M	$17M
Q3 24	$222M	$18M
Q4 24	$223M	$13M
Q1 25	$222M	$12M
Q2 25	$231M	$19M
Q3 25	$264M	$19M
Q4 25	$223M	$14M
Q1 26	$307M	$13M

Revenue Segments

Quarter

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$3.8B	$2.7B	$6.5B
Q3 22	$4.5B	$2.7B	$7.1B
Q4 22	$2.5B	$3.0B	$5.5B
Q1 23	$2.0B	$3.0B	$5.1B
Q2 23	$2.7B	$3.3B	$6.0B
Q3 23	$2.9B	$3.4B	$6.3B
Q4 23	$2.5B	$3.3B	$5.8B
Q1 24	$2.5B	$4.2B	$6.7B
Q2 24	$3.2B	$4.1B	$7.4B
Q3 24	$4.4B	$3.6B	$8.0B
Q4 24	$4.9B	$3.9B	$8.8B
Q1 25	$4.9B	$4.0B	$8.8B
Q2 25	$5.3B	$4.7B	$9.9B
Q3 25	$4.0B	$5.0B	$9.0B
Q4 25	$468M	$6.2B	$6.7B
Q1 26	$3.6B	$10.6B	$14.2B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	59M	+1.3%	+1.8%
Q3 22	62M	+4.7%	+6.6%
Q4 22	62M	+0.5%	+6.7%
Q1 23	62M	-0.1%	+6.5%
Q2 23	62M	+0.4%	+5.5%
Q3 23	62M	+0.1%	+1.0%
Q4 23	62M	+0.4%	+0.9%
Q1 24	62M	+0.0%	+0.9%
Q2 24	63M	+0.6%	+1.1%
Q3 24	66M	+5.1%	+6.1%
Q4 24	68M	+2.7%	+8.5%
Q1 25	68M	-0.1%	+8.4%
Q2 25	68M	0.0%	+7.8%
Q3 25	68M	0.0%	+2.6%
Q4 25	68M	0.0%	-0.1%
Q1 26	68M	+0.7%	+0.7%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$90.6K	5K
Q3 22	$108.4K	5K
Q4 22	$128.4K	5K
Q1 23	$141.7K	5K
Q2 23	$153.6K	5K
Q3 23	$165.9K	5K
Q4 23	$162.0K	6K
Q1 24	$171.3K	6K
Q2 24	$175.9K	6K
Q3 24	$185.1K	6K
Q4 24	$174.0K	6K
Q1 25	$170.0K	6K
Q2 25	$177.0K	6K
Q3 25	$185.4K	6K
Q4 25	$184.1K	6K
Q1 26	$179.9K	6K

Revenue / Employee