Wintrust Financial Corporation (WTFC) — Financial statements
Income statement, balance sheet, and cash flow for Wintrust Financial Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 4,230↑6.7% | 3,966↑19.2% | 3,327↑50.7% | 2,208↑18.6% | 1,862 | |
| Cost of Revenue | 1,600↓1.0% | 1,616↑38.2% | 1,170↑253.7% | 331↑262.3% | 91 | |
| Gross Profit | 2,630↑11.9% | 2,350↑8.9% | 2,158↑14.9% | 1,878↑6.1% | 1,770 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 940↑9.5% | 858↑9.3% | 785↑8.3% | 725↑0.8% | 719 | |
| Selling & Marketing Expenses | 64↑3.3% | 62↓5.0% | 65↑9.5% | 59↑25.7% | 47 | |
| SG&A Expenses | 1,004↑9.1% | 920↑8.2% | 850↑8.4% | 784↑2.4% | 766 | |
| Other Expenses | 508↑5.3% | 483↑4.4% | 463↑17.7% | 393↑7.2% | 367 | |
| Operating Expenses | 1,512↑7.8% | 1,403↑6.9% | 1,312↑11.5% | 1,177↑3.9% | 1,133 | |
| Total Costs & Expenses | 3,112↑3.1% | 3,019↑21.6% | 2,482↑64.6% | 1,508↑23.2% | 1,224 | |
| Operating Results | ||||||
| Operating Income | 1,118↑18.1% | 947↑12.1% | 845↑20.6% | 701↑9.8% | 638 | |
| Depreciation & Amortization | 89↓11.2% | 100↑18.1% | 85↑3.3% | 82↓20.0% | 103 | |
| EBITDA | 1,207↑15.3% | 1,047↑12.6% | 930↑18.8% | 783↑5.8% | 740 | |
| EBIT | 1,118↑18.0% | 947↑12.1% | 845↑20.6% | 701↑9.8% | 638 | |
| Interest & Other Income | ||||||
| Net Interest Income | 2,224↑13.3% | 1,963↑6.8% | 1,838↑22.9% | 1,495↑32.9% | 1,125 | |
| Interest Income | 3,728↑7.2% | 3,478↑20.2% | 2,893↑65.6% | 1,747↑37.0% | 1,275 | |
| Interest Expense | 1,504↓0.7% | 1,515↑43.6% | 1,055↑318.6% | 252↑67.5% | 151 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 1,118↑18.1% | 947↑12.1% | 845↑20.6% | 701↑9.8% | 638 | |
| Income Tax Expense | 295↑16.9% | 252↑13.3% | 222↑16.5% | 191↑11.2% | 172 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 824↑18.5% | 695↑11.6% | 623↑22.2% | 510↑9.3% | 466 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 824↑18.5% | 695↑11.6% | 623↑22.2% | 510↑9.3% | 466 | |
| Bottom-Line Net Income | 783↑17.3% | 667↑12.2% | 595↑23.4% | 482↑9.9% | 438 | |
| EPS (Basic) | 11.58↑10.6% | 10.47↑7.7% | 9.72↑19.4% | 8.14↑5.9% | 7.69 | |
| EPS (Diluted) | 11.56↑12.1% | 10.31↑7.6% | 9.58↑19.5% | 8.02↑5.8% | 7.58 | |
| Weighted Average Shares | 67↑5.2% | 64↑4.1% | 61↑3.3% | 59↑3.9% | 57 | |
| Weighted Average Diluted Shares | 68↑4.6% | 65↑4.2% | 62↑3.3% | 60↑4.0% | 58 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.