WINTRUST FINANCIAL CORP

WTFC 10-Q · Q1 2026
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WTFC Q1 2026 request

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Income Statement

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Income Statement
Metric Q1 2026 Q1 2025 YoY
Interest And Fee Income Loans And Leases Held In Portfolio 797,889 768,362 +3.8%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income -642 9,071 -107.1%
Interest And Fee Income Loans Held For Sale Mortgages 4,615 4,246 +8.7%
Interest Income Deposits With Financial Institutions 19,150 36,766 -47.9%
Interest Income Federal Funds Sold And Securities Purchased Under Agreements To Resell 64 179 -64.2%
Interest And Dividend Income Securities Other 100,278 72,016 +39.2%
Interest Income Federal Home Loan Banks And Federal Reserve Bank Stock 5,564 5,307 +4.8%
Interest And Dividend Income Operating 927,560 886,965 +4.6%
Show Business Segments breakouts
Community Banking · Operating Segments 781,502 768,968 +1.6%
Specialty finance · Operating Segments 124,576 101,698 +22.5%
Wealth management · Operating Segments 10,482 5,531 +89.5%
Show Consolidation Items breakouts
Intersegment Elimination 11,000 10,768 +2.2%
Operating Segments 916,560 876,197 +4.6%
Interest Expense Deposits 309,187 320,233 -3.4%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income -3,325 -3,325 0.0%
Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Long Term 27,701 25,441 +8.9%
Interest Expense Other Long Term Debt 4,026 6,792 -40.7%
Interest Expense Subordinated Notes And Debentures 3,719 3,714 +0.1%
Interest Expense Junior Subordinated Debentures 3,903 4,311 -9.5%
Interest Expense 348,536 360,491 -3.3%
Show Business Segments breakouts
Community Banking · Operating Segments 330,904 349,957 -5.4%
Specialty finance · Operating Segments 17,493 10,391 +68.3%
Wealth management · Operating Segments 139 143 -2.8%
Show Consolidation Items breakouts
Operating Segments 348,536 360,491 -3.3%
Interest Revenue Expense Net 579,024 526,474 +10.0%
Provision For Loan Lease And Other Losses 29,594 23,963 +23.5%
Show Business Segments breakouts
Community Banking · Operating Segments 27,281 22,428 +21.6%
Specialty finance · Operating Segments 2,313 1,535 +50.7%
Show Consolidation Items breakouts
Operating Segments 29,594 23,963 +23.5%
Interest Income Expense After Provision For Loan Loss 549,430 502,511 +9.3%
Revenues Wealth Management 42,059 34,042 +23.6%
Revenues Mortgage Banking 23,396 20,529 +14.0%
Revenues Service Charges 20,970 19,362 +8.3%
Marketable Securities Gain Loss Including Other Than Temporary Impairment Loss -31 3,196 -101.0%
Show Equity Components breakouts
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -2 -301 +99.3%
Fees From Covered Call Options 4,669 3,446 +35.5%
Trading Gains Losses 10 -64 +115.6%
Operating Lease Lease Income 19,154 15,287 +25.3%
Noninterest Income Other Operating Income 23,915 20,836 +14.8%
Noninterest Income 134,142 116,634 +15.0%
Show Business Segments breakouts
Community Banking · Operating Segments 77,882 73,493 +6.0%
Specialty finance · Operating Segments 35,733 31,039 +15.1%
Wealth management · Operating Segments 43,275 33,790 +28.1%
Show Consolidation Items breakouts
Intersegment Elimination -22,748 -21,688 -4.9%
Operating Segments 156,890 138,322 +13.4%
Labor And Related Expense 228,447 211,526 +8.0%
Equipment Expense 35,654 34,717 +2.7%
Lessor Operating Lease Depreciation And Impairment Expense 10,987 10,471 +4.9%
Occupancy Net 20,566 20,778 -1.0%
Information Technology And Data Processing 11,266 11,274 -0.1%
Marketing And Advertising Expense 13,218 12,272 +7.7%
Professional Fees 7,375 9,044 -18.5%
Amortization Of Intangible Assets 4,958 5,618 -11.7%
Federal Deposit Insurance Corporation Premium Expense 10,990 10,926 +0.6%
Other Revenue Expense From Real Estate Operations 207 643 -67.8%
Other Noninterest Expense 38,964 38,821 +0.4%
Noninterest Expense 382,632 366,090 +4.5%
Show Business Segments breakouts
Community Banking · Operating Segments 299,554 290,587 +3.1%
Specialty finance · Operating Segments 59,207 52,966 +11.8%
Wealth management · Operating Segments 35,619 33,457 +6.5%
Show Consolidation Items breakouts
Intersegment Elimination -11,748 -10,920 -7.6%
Operating Segments 394,380 377,010 +4.6%
Income Before Taxes 300,940 253,055 +18.9%
Show Business Segments breakouts
Community Banking · Operating Segments 201,645 179,489 +12.3%
Specialty finance · Operating Segments 81,296 67,845 +19.8%
Wealth management · Operating Segments 17,999 5,721 +214.6%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 3,967 -5,746 +169.0%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -2 -301 +99.3%
Show Consolidation Items breakouts
Operating Segments 300,940 253,055 +18.9%
Income Tax Expense (Benefit) 73,552 64,016 +14.9%
Show Business Segments breakouts
Community Banking · Operating Segments 51,114 45,219 +13.0%
Specialty finance · Operating Segments 18,203 17,552 +3.7%
Wealth management · Operating Segments 4,235 1,245 +240.2%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 1,031 -1,494 +169.0%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -1 -78 +98.7%
Show Consolidation Items breakouts
Operating Segments 73,552 64,016 +14.9%
Net Income 227,388 189,039 +20.3%
Show Business Segments breakouts
Community Banking · Operating Segments 150,531 134,270 +12.1%
Specialty finance · Operating Segments 63,093 50,293 +25.5%
Wealth management · Operating Segments 13,764 4,476 +207.5%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income 2,936 -4,252 +169.0%
Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income -1 -223 +99.6%
Retained Earnings 227,388 189,039 +20.3%
Show Consolidation Items breakouts
Operating Segments 227,388 189,039 +20.3%
Preferred Stock Dividends Income Statement Impact 8,367 6,991 +19.7%
Net Income Loss Available To Common Stockholders Basic 219,021 182,048 +20.3%
EPS (Basic) 3.26 2.73 +19.4%
EPS (Diluted) 3.22 2.69 +19.7%
Common Stock Dividends Per Share Declared 0.55 0.5 +10.0%
Show Dividends breakouts
O 2024 Q1 Dividends 0.55 — —
O 2025 Q1 A Dividends 2.2 — —
Wtd Avg Shares (Basic) 67,246 66,726 +0.8%
Weighted Average Number Diluted Shares Outstanding Adjustment 851 923 -7.8%
Wtd Avg Shares (Diluted) 68,097 67,649 +0.7%
Comprehensive Income 156,334 287,359 -45.6%
Other Comprehensive Income -71,054 98,320 -172.3%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent -21,790 42,974 -150.7%
Accumulated Net Unrealized Investment Gain Loss -44,776 55,586 -180.6%
Accumulated Translation Adjustment -4,488 -240 -1770.0%
Interest Income Expense Net 579,024 526,474 +10.0%
Show Business Segments breakouts
Community Banking · Operating Segments 450,598 419,011 +7.5%
Specialty finance · Operating Segments 107,083 91,307 +17.3%
Wealth management · Operating Segments 10,343 5,388 +92.0%
Show Consolidation Items breakouts
Intersegment Elimination 11,000 10,768 +2.2%
Operating Segments 568,024 515,706 +10.1%

Balance Sheet

Balance Sheet
Metric Q1 2026 Q1 2025 YoY
Current Assets
Cash & Cash Equivalents (Q) — — —
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 543,719 616,279 -11.8%
Estimate Of Fair Value Fair Value Disclosure 543,719 616,279 -11.8%
Non-Current Assets
Property, Plant & Equipment 777,603 776,679 +0.1%
Goodwill 797,658 796,932 +0.1%
Show Business Segments breakouts
Community Banking 687,754 687,754 0.0%
Specialty finance 37,909 37,183 +2.0%
Wealth management 71,995 71,995 0.0%
Intangible Assets (Q) — — —
Show Business Segments breakouts
Community Banking · Core Deposits 76,605 96,062 -20.3%
Specialty finance · Customer Lists 19 58 -67.2%
Wealth management · Customer list and other intangibles 4,916 6,152 -20.1%
Total Assets 72,157,433 65,870,066 +9.5%
Show Business Segments breakouts
Community Banking · Operating Segments 57,233,526 53,531,046 +6.9%
Specialty finance · Operating Segments 13,533,665 11,312,205 +19.6%
Wealth management · Operating Segments 1,390,242 1,026,815 +35.4%
Show Consolidation Items breakouts
Operating Segments 72,157,433 65,870,066 +9.5%
Non-Current Liabilities
Total Liabilities 64,779,333 59,269,529 +9.3%
Stockholders' Equity
Common Stock 67,563 67,007 +0.8%
Additional Paid-In Capital 2,546,754 2,494,347 +2.1%
Retained Earnings 4,719,561 4,045,854 +16.7%
Accumulated Other Comprehensive Income -366,808 -410,015 +10.5%
Total Stockholders' Equity 7,378,100 6,600,537 +11.8%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent 28,122 31,747 -11.4%
Accumulated Gain Loss Net Cash Flow Hedge Parent · Interest Rate Contract 37,666 42,565 -11.5%
Accumulated Net Unrealized Investment Gain Loss -337,605 -373,994 +9.7%
Accumulated Other Comprehensive Income -366,808 -410,015 +10.5%
Accumulated Translation Adjustment -57,325 -67,768 +15.4%
Additional Paid In Capital 2,546,754 2,494,347 +2.1%
Common Stock 67,563 67,007 +0.8%
Preferred Stock 425,000 412,500 +3.0%
Retained Earnings 4,719,561 4,045,854 +16.7%
Treasury Stock Common -13,970 -9,156 -52.6%
Total Liabilities & Equity 72,157,433 65,870,066 +9.5%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q1 2026 YTD Q1 2025 YoY
Operating Activities
Depreciation Amortization And Accretion Net 29,927 29,488 +1.5%
Stock-Based Compensation 11,324 10,411 +8.8%
Accretion Amortization Of Discounts And Premiums Investments -7,734 -531 -1356.5%
Accretion Amortization Of Discounts And Premiums On Loans 14,143 -5,908 +339.4%
Mortgage Servicing Rights M S R Impairment Recovery 207 12,150 -98.3%
Derivative Gain Loss On Derivative Net 1,511 56,603 -97.3%
Payments For Origination And Purchases Of Loans Held For Sale -593,993 -460,453 -29.0%
Early Buyout Exercises Of Guaranteed Mortgage Loans Held For Sale -23,205 5,255 -541.6%
Proceeds From Sale Of Mortgage Loans Held For Sale 568,725 470,250 +20.9%
Gain Loss On Bank Owned Life Insurance Net Of Claims -948 -796 -19.1%
Gain Loss On Sale Of Mortgage Loans -17,706 -13,766 -28.6%
Gain Loss On Investments 31 -3,196 +101.0%
Gain Loss On Sale Of Property Plant Equipment 56 173 -67.6%
Gains Losses On Sales Of Other Real Estate -167 491 -134.0%
Increase Decrease In Other Operating Assets 823,271 107,816 +663.6%
Increase Decrease In Other Operating Liabilities -135,241 -323,409 +58.2%
Net Cash from Operations 927,183 119,754 +674.2%
Investing Activities
Proceeds From Maturities Of Debt Securities Available For Sale 204,357 135,124 +51.2%
Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities 73,537 48,565 +51.4%
Proceeds From Sales And Capital Distributions Of Equity Securities Without Readily Determinable Fair Value 646 — —
Purchases of Investments -1,264,988 -601,365 -110.4%
Payments To Acquire Marketable Securities -300 -56,019 +99.5%
Payments To Acquire Equity Securities Without Readily Determinable Fair Value -964 -1,053 +8.5%
Payments For Proceeds From Federal Home Loan And Federal Reserve Bank Stock -163 -486 +66.5%
Payments For Proceeds From Limited Partnership 1,430 869 +64.6%
Proceeds From Sale Of Foreclosed Assets 4,760 — —
Proceeds From Payments For In Interest Bearing Deposits In Banks 126,618 171,531 -26.2%
Payments For Proceeds From Loans And Leases -998,702 -682,839 -46.3%
Proceeds From Life Insurance Policies 2 — —
Proceeds Payments Of Property Plant And Equipment Net -13,210 7,299 -281.0%
Net Cash from Investing -1,866,977 -973,374 -91.8%
Financing Activities
Increase Decrease In Deposits 1,197,191 1,057,689 +13.2%
Proceeds From Repayments Of Other Debt -133,343 -4,796 -2680.3%
Issuance Of Common Shares Resulting From Exercise Of Share Based Compensation Awards 1,907 1,822 +4.7%
Tax Withholding for Share Compensation -4,814 -3,003 -60.3%
Payments Of Dividends -45,366 -40,349 -12.4%
Net Cash from Financing 1,015,575 1,011,363 +0.4%
Other Cash Flow
Net Change in Cash 75,781 157,743 -52.0%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 543,719 616,279 -11.8%

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

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