WTFCWintrust Financial Corporation

$9B

Q4 2020 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$466M+0.9% YoY

Gross Profit

$416M89.3% margin

Operating Income

$135M28.9% margin

Net Income

$101M21.7% margin

EPS (Diluted)

$1.63

QoQ Revenue Growth

-3.2%

Cash Flow

Operating Cash Flow

-$95M

Free Cash Flow

-$105M

Stock-Based Comp.

-$4M

Balance Sheet

Total Assets

$45.1B

Total Liabilities

$41.0B

Stockholders' Equity

$4.1B

Cash & Equivalents

$5.1B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$466M	$461M	+0.9%
Gross Profit	$416M	$366M	+13.7%
Operating Income	$135M	$117M	+15.5%
Net Income	$101M	$86M	+17.7%

Revenue Segments

Wealth Management

$27M37%

Asset Management Revenue

$17M24%

Deposit Account

$12M16%

Brokerage and Insurance Product Commissions

$5M7%

Trust Revenue

$5M6%

Other Deposit Related Fee Revenue

$3M4%

Card Related Fee Revenue

$2M3%

Administrative Services Revenue

$1M2%

Mortgage Broker Fees

$56,0000%

WTFC Q4 2020 Earnings — Wintrust Financial Corporation Revenue & Financial Results | Market Cap Arena