WINTRUST FINANCIAL CORP

WTFC 10-K · FY 2025
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Income Statement

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Income Statement
Metric FY 2025 FY 2024 YoY
Interest And Fee Income Loans And Leases Held In Portfolio 3,220,993 3,043,354 +5.8%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 29,611 87,306 -66.1%
Interest And Fee Income Loans Held For Sale Mortgages 19,482 21,436 -9.1%
Interest Income Deposits With Financial Institutions 133,265 115,253 +15.6%
Interest Income Federal Funds Sold And Securities Purchased Under Agreements To Resell 607 366 +65.8%
Interest And Dividend Income Securities Other 331,956 276,115 +20.2%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 4,198 -1,781 +335.7%
Interest Income Debt Securities Trading Operating 11 48 -77.1%
Interest Income Federal Home Loan Banks And Federal Reserve Bank Stock 21,641 20,060 +7.9%
Interest Income Brokerage Customer Receivables 78 965 -91.9%
Interest And Dividend Income Operating 3,728,033 3,477,597 +7.2%
Show Business Segments breakouts
Community Banking · Operating Segments 3,223,220 3,001,500 +7.4%
Specialty Finance · Operating Segments 420,528 405,317 +3.8%
Wealth management · Operating Segments 38,147 30,765 +24.0%
Show Consolidation Items breakouts
Intersegment Elimination 46,138 40,015 +15.3%
Operating Segments 3,681,895 3,437,582 +7.1%
Interest Expense Deposits 1,341,727 1,343,642 -0.1%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income -13,300 -14,632 +9.1%
Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Long Term 103,580 99,149 +4.5%
Interest Expense Other Long Term Debt 26,592 34,480 -22.9%
Interest Expense Subordinated Notes And Debentures 14,903 18,117 -17.7%
Interest Expense Junior Subordinated Debentures 17,179 19,674 -12.7%
Interest Expense 1,503,981 1,515,062 -0.7%
Show Business Segments breakouts
Community Banking · Operating Segments 1,462,186 1,465,237 -0.2%
Specialty Finance · Operating Segments 41,131 49,030 -16.1%
Wealth management · Operating Segments 664 795 -16.5%
Show Consolidation Items breakouts
Operating Segments 1,503,981 1,515,062 -0.7%
Interest Revenue Expense Net 2,224,052 1,962,535 +13.3%
Provision For Loan Lease And Other Losses 95,553 101,047 -5.4%
Show Business Segments breakouts
Community Banking · Operating Segments 89,050 88,345 +0.8%
Specialty Finance · Operating Segments 6,503 12,702 -48.8%
Show Consolidation Items breakouts
Operating Segments 95,553 101,047 -5.4%
Interest Income Expense After Provision For Loan Loss 2,128,499 1,861,488 +14.3%
Revenues Wealth Management 147,416 146,227 +0.8%
Revenues Mortgage Banking 90,775 93,213 -2.6%
Revenues Service Charges 79,091 65,651 +20.5%
Marketable Securities Gain Loss Including Other Than Temporary Impairment Loss 8,323 -2,602 +419.9%
Show Equity Components breakouts
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income 159 1,236 -87.1%
Fees From Covered Call Options 20,681 10,196 +102.8%
Trading Gains Losses 2 504 -99.6%
Operating Lease Lease Income 62,284 58,710 +6.1%
Show Property Plant And Equipment By Type breakouts
Building 5.9 5.8 +1.7%
Noninterest Income Other Operating Income 93,368 116,426 -19.8%
Noninterest Income 501,940 488,325 +2.8%
Show Business Segments breakouts
Community Banking · Operating Segments 310,981 279,845 +11.1%
Specialty Finance · Operating Segments 129,713 119,339 +8.7%
Wealth management · Operating Segments 154,387 168,134 -8.2%
Show Consolidation Items breakouts
Intersegment Elimination -93,141 -78,993 -17.9%
Operating Segments 595,081 567,318 +4.9%
Labor And Related Expense 873,292 817,108 +6.9%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 188,657 159,725 +18.1%
Equipment Expense 142,362 122,794 +15.9%
Lessor Operating Lease Depreciation And Impairment Expense 42,671 42,298 +0.9%
Occupancy Net 81,920 79,213 +3.4%
Information Technology And Data Processing 46,522 39,736 +17.1%
Marketing And Advertising Expense 63,852 61,812 +3.3%
Professional Fees 34,032 40,637 -16.3%
Amortization Of Intangible Assets 21,393 12,095 +76.9%
Federal Deposit Insurance Corporation Premium Expense 43,877 46,118 -4.9%
Other Revenue Expense From Real Estate Operations 3,572 -408 +975.5%
Other Noninterest Expense 158,539 141,321 +12.2%
Noninterest Expense 1,512,032 1,402,724 +7.8%
Show Business Segments breakouts
Community Banking · Operating Segments 1,200,179 1,101,981 +8.9%
Specialty Finance · Operating Segments 222,719 207,365 +7.4%
Wealth management · Operating Segments 136,137 132,356 +2.9%
Show Consolidation Items breakouts
Intersegment Elimination -47,003 -38,978 -20.6%
Operating Segments 1,559,035 1,441,702 +8.1%
Income Before Taxes 1,118,407 947,089 +18.1%
Show Business Segments breakouts
Community Banking · Operating Segments 782,786 625,782 +25.1%
Specialty Finance · Operating Segments 279,888 255,559 +9.5%
Wealth management · Operating Segments 55,733 65,748 -15.2%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income -16,311 -72,674 +77.6%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income 159 1,236 -87.1%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 246,146 155,165 +58.6%
Show Consolidation Items breakouts
Operating Segments 1,118,407 947,089 +18.1%
Show Geographic Distribution breakouts
Geographic Distribution Foreign 19.4 27.3 -28.9%
Income Tax Expense (Benefit) 294,563 252,044 +16.9%
Show Business Segments breakouts
Community Banking · Operating Segments 206,119 167,072 +23.4%
Specialty Finance · Operating Segments 74,589 69,214 +7.8%
Wealth management · Operating Segments 13,855 15,758 -12.1%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income -4,242 -19,078 +77.8%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income 41 321 -87.2%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -89,010 -79,684 -11.7%
Show Consolidation Items breakouts
Operating Segments 294,563 252,044 +16.9%
Net Income 823,844 695,045 +18.5%
Show Business Segments breakouts
Community Banking · Operating Segments 576,667 458,710 +25.7%
Specialty Finance · Operating Segments 205,299 186,345 +10.2%
Wealth management · Operating Segments 41,878 49,990 -16.2%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income -12,069 -53,596 +77.5%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income 118 915 -87.1%
Retained Earnings 823,844 695,045 +18.5%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 823,844 695,045 +18.5%
Show Consolidation Items breakouts
Operating Segments 823,844 695,045 +18.5%
Preferred Stock Dividends Income Statement Impact 35,644 27,964 +27.5%
Preferred Stock Redemption Premium 14,046 — —
Net Income Loss Available To Common Stockholders Basic 774,154 667,081 +16.1%
EPS (Basic) 11.57 10.47 +10.5%
EPS (Diluted) 11.4 10.31 +10.6%
Common Stock Dividends Per Share Declared 2 1.8 +11.1%
Wtd Avg Shares (Basic) 66,896 63,685 +5.0%
Weighted Average Number Diluted Shares Outstanding Adjustment 998 1,016 -1.8%
Wtd Avg Shares (Diluted) 67,894 64,701 +4.9%
Revenue (FY) — — —
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 665,634 546,451 +21.8%
Revenue 265,635 250,742 +5.9%
Show Product Lines breakouts
Administrative services 5,300 5,336 -0.7%
Asset management 99,576 97,675 +1.9%
Brokerage and insurance product commissions 18,779 22,611 -16.9%
Card related fees 15,973 17,829 -10.4%
Mortgage broker fees 2,759 1,925 +43.3%
Other deposit related fees 15,096 13,774 +9.6%
Service charges on deposit accounts 79,091 65,651 +20.5%
Total wealth management 147,416 146,227 +0.8%
Trust 29,061 25,941 +12.0%
Operating Expenses (FY) — — —
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 419,488 391,286 +7.2%
Comprehensive Income 1,036,425 547,941 +89.1%
Other Comprehensive Income 212,581 -147,104 +244.5%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent 61,139 -43,276 +241.3%
Accumulated Net Unrealized Investment Gain Loss 136,751 -78,883 +273.4%
Accumulated Translation Adjustment 14,691 -24,945 +158.9%
Interest Expense Operating (FY) — — —
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 41,911 49,306 -15.0%
Other Expenses (FY) — — —
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 188,920 182,255 +3.7%
Interest Income Expense Net 2,224,052 1,962,535 +13.3%
Show Business Segments breakouts
Community Banking · Operating Segments 1,761,034 1,536,263 +14.6%
Specialty Finance · Operating Segments 379,397 356,287 +6.5%
Wealth management · Operating Segments 37,483 29,970 +25.1%
Show Consolidation Items breakouts
Intersegment Elimination 46,138 40,015 +15.3%
Operating Segments 2,177,914 1,922,520 +13.3%

Balance Sheet

Balance Sheet
Metric FY 2025 FY 2024 YoY
Current Assets
Cash & Cash Equivalents (Q) — — —
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 467,938 458,536 +2.1%
Estimate Of Fair Value Fair Value Disclosure 467,938 458,536 +2.1%
Non-Current Assets
Property, Plant & Equipment 781,611 779,130 +0.3%
Goodwill 797,960 796,942 +0.1%
Show Business Segments breakouts
Community Banking 687,754 687,754 0.0%
Specialty Finance 38,211 37,193 +2.7%
Wealth management 71,995 71,995 0.0%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 8,371 8,371 0.0%
Intangible Assets (Q) — — —
Show Business Segments breakouts
Community Banking · Core Deposits 81,245 101,322 -19.8%
Specialty Finance · Customer Lists 29 78 -62.8%
Wealth management · Customer list and other intangibles 5,225 6,490 -19.5%
Total Assets 71,142,046 64,879,668 +9.7%
Show Business Segments breakouts
Community Banking · Operating Segments 57,333,741 52,500,643 +9.2%
Specialty Finance · Operating Segments 12,502,367 11,234,012 +11.3%
Wealth management · Operating Segments 1,305,938 1,145,013 +14.1%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 8,057,162 7,267,290 +10.9%
Show Consolidation Items breakouts
Operating Segments 71,142,046 64,879,668 +9.7%
Non-Current Liabilities
Total Liabilities 63,883,331 58,535,371 +9.1%
Stockholders' Equity
Common Stock 67,062 66,560 +0.8%
Additional Paid-In Capital 2,534,024 2,482,561 +2.1%
Retained Earnings 4,537,539 3,897,164 +16.4%
Accumulated Other Comprehensive Income -295,754 -508,335 +41.8%
Total Stockholders' Equity 7,258,715 6,344,297 +14.4%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent 49,912 -11,227 +544.6%
Accumulated Gain Loss Net Cash Flow Hedge Parent · Interest Rate Contract 67,112 -15,508 +532.8%
Accumulated Net Unrealized Investment Gain Loss -292,829 -429,580 +31.8%
Accumulated Other Comprehensive Income -295,754 -508,335 +41.8%
Accumulated Translation Adjustment -52,837 -67,528 +21.8%
Additional Paid In Capital 2,534,024 2,482,561 +2.1%
Common Stock 67,062 66,560 +0.8%
Preferred Stock 425,000 412,500 +3.0%
Retained Earnings 4,537,539 3,897,164 +16.4%
Treasury Stock Common -9,156 -6,153 -48.8%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 7,258,715 6,344,297 +14.4%
Total Liabilities & Equity 71,142,046 64,879,668 +9.7%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 8,057,162 7,267,290 +10.9%

Cash Flow Statement

Cash Flow Statement
Metric FY 2025 FY 2024 YoY
Operating Activities
Depreciation Amortization And Accretion Net 118,778 100,079 +18.7%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 38,933 35,627 +9.3%
Deferred Income Taxes 44,841 11,011 +307.2%
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Parent Company · Reportable Legal Entities 6,203 -9,449 +165.6%
Stock-Based Compensation 41,551 38,108 +9.0%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 17,772 16,401 +8.4%
Accretion Amortization Of Discounts And Premiums Investments -10,587 -2,133 -396.3%
Accretion Amortization Of Discounts And Premiums On Loans -19,744 -18,984 -4.0%
Mortgage Servicing Rights M S R Impairment Recovery 34,749 18,637 +86.5%
Derivative Gain Loss On Derivative Net -6,140 61,035 -110.1%
Payments For Origination And Purchases Of Loans Held For Sale -2,582,585 -2,624,914 +1.6%
Early Buyout Exercises Of Guaranteed Mortgage Loans Held For Sale -34,218 -23,197 -47.5%
Proceeds From Sale Of Mortgage Loans Held For Sale 2,585,949 2,609,248 -0.9%
Gain Loss On Bank Owned Life Insurance Net Of Claims -6,559 -5,755 -14.0%
Increase Decrease In Trading Securities 4,072 635 +541.3%
Increase Decrease In Broker Dealer Related Receivables Payables Net 18,102 -7,510 +341.0%
Gain Loss On Sale Of Mortgage Loans -65,291 -46,430 -40.6%
Gain Loss On Investments -8,323 2,602 -419.9%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -2,442 913 -367.5%
Gain Loss On Sale Of Property Plant Equipment 438 336 +30.4%
Gains Losses On Sales Of Other Real Estate 2,578 -1,951 +232.1%
Increase Decrease In Other Operating Assets -68,987 -131,429 +47.5%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 21,987 -3,862 +669.3%
Increase Decrease In Other Operating Liabilities -57,673 -49,348 -16.9%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 12,892 8,802 +46.5%
Net Cash from Operations 910,348 721,557 +26.2%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 430,501 283,281 +52.0%
Depreciation & Amortization 66.9 61.4 +9.0%
Investing Activities
Proceeds From Sale And Maturity Of Available For Sale Securities 1,687,876 1,769,854 -4.6%
Proceeds From Maturities Of Debt Securities Available For Sale 640,943 588,664 +8.9%
Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities 268,825 242,427 +10.9%
Proceeds From Sale Of Trading Securities Heldforinvestment 226,542 51,792 +337.4%
Proceeds From Sales And Capital Distributions Of Equity Securities Without Readily Determinable Fair Value 1,421 2,226 -36.2%
Purchases of Investments -5,062,590 -1,748,535 -189.5%
Payments To Acquire Marketable Securities -63,413 -125,573 +49.5%
Payments To Acquire Equity Securities Without Readily Determinable Fair Value -1,752 -6,933 +74.7%
Payments For Proceeds From Federal Home Loan And Federal Reserve Bank Stock -10,474 -76,404 +86.3%
Payments For Proceeds From Limited Partnership -10,853 2,763 -492.8%
Proceeds From Sale Of Foreclosed Assets 2,141 20,026 -89.3%
Proceeds From Payments For In Interest Bearing Deposits In Banks 1,238,103 -2,334,423 +153.0%
Payments For Proceeds From Loans And Leases -5,035,792 -5,405,340 +6.8%
Proceeds From Life Insurance Policies 351 367 -4.4%
Capital Expenditures -49,951 -86,032 +41.9%
Net Cash from Investing -6,168,623 -5,946,363 -3.7%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -39,546 -37,802 -4.6%
Other Investing Activities (FY) — — —
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -39,546 -37,764 -4.7%
Financing Activities
Increase Decrease In Deposits 5,204,842 4,805,004 +8.3%
Proceeds From Repayments Of Other Debt -73,607 -83,674 +12.0%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -142,845 -30,668 -365.8%
Increase Decrease In Loans From Other Federal Home Loan Banks 300,000 825,238 -63.6%
Proceeds From Issuance Of Preferred Stock And Preference Stock 414,148 — —
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 414,148 — —
Payments For Repurchase Of Preferred Stock And Preference Stock -412,500 — —
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Parent Company · Reportable Legal Entities -412,500 — —
Issuance Of Common Shares Resulting From Exercise Of Share Based Compensation Awards 7,220 6,694 +7.9%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 7,220 6,694 +7.9%
Tax Withholding for Share Compensation -3,003 -3,936 +23.7%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -3,003 -3,936 +23.7%
Payments Of Dividends -169,423 -143,280 -18.2%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -169,423 -143,280 -18.2%
Net Cash from Financing 5,267,677 5,259,878 +0.1%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities -306,403 -311,190 +1.5%
Supplemental
Interest Paid 1,489,462 1,517,813 -1.9%
Income Taxes Paid 222,412 252,851 -12.0%
Transfer To Other Real Estate 2,532 30,040 -91.6%
Other Cash Flow
Net Change in Cash 9,402 35,072 -73.2%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 84,552 -65,711 +228.7%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 467,938 458,536 +2.1%
Show Consolidated Entities breakouts
Parent Company · Reportable Legal Entities 281,521 196,969 +42.9%

Values in thousands USD. Source: SEC EDGAR 10-K filing.

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