Wintrust Financial Corp (WTFC)
Operating cash flow minus capital spending left $860.4M of free cash flow in fiscal 2025. At September 30, 2026 it held $635.7M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 4, 2026.
Key facts about Wintrust Financial Corp
- Net worth
- Wintrust Financial Corp has a market value (market cap) of $10.4B at the latest share price, and shareholders' equity of $7.3B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $910.3M of cash; after $50M of capital spending, free cash flow was $860.4M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 4, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Wintrust Financial Corp's next report is expected around January 19, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Wintrust Financial Corp declared dividends of $2.00 per share in fiscal 2025, a yield of 1.29% at the current price.
What Wintrust Financial Corp does
Wintrust Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker WTFC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $265.6M | $823.8M | $11.40 | $860.4M |
| 2024 | $250.7M | $695M | $10.31 | $635.5M |
| 2023 | $220.4M | $622.6M | $9.58 | $698M |
| 2022 | $217.7M | $509.7M | $8.02 | $1.3B |
| 2021 | $207.2M | $466.2M | $7.58 | $1.1B |
| 2020 | $170.1M | $293M | $4.68 | -$582.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where WTFC ranks in Finance
Dividends
Wintrust Financial Corp declared $2.00 per share in fiscal 2025. At the current price that is a yield of 1.29%. It paid out $169.4M in cash dividends, 21% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $2.00 | $169.4M | 21% |
| 2024 | $1.80 | $143.3M | 21% |
| 2023 | $1.60 | $125.7M | 20% |
| 2022 | $1.36 | $108.2M | 21% |
| 2021 | $1.24 | $98.6M | 21% |
| 2020 | $1.12 | $85.9M | 29% |
Latest SEC filings
What Wintrust Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Passive stake changed SCHEDULE 13G/A
- November 4, 2026
- October 19, 2026
- August 5, 2026
- July 20, 2026
- May 29, 2026
- May 7, 2026
- May 6, 2026
- April 30, 2026Passive stake (5% or more) SCHEDULE 13G
- April 29, 2026Passive stake (5% or more) SCHEDULE 13G
What is WTFC worth? A DCF from its reported cash flow
Insider trades
What the people running Wintrust Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $3.3M worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 22, 2026 | Murphy Richard BVICE CHAIR,CHIEF LENDING OFC | Sold | 7,136 | $1.1M |
| September 30, 2026 | Kenney Brian ADirector | Received as pay | 470 | $75.5K |
| September 30, 2026 | Richter David SDirector | Received as pay | 394 | $63.3K |
| September 30, 2026 | Crist Peter DDirector | Received as pay | 616 | $99K |
| September 30, 2026 | Smith Gregory ADirector | Received as pay | 388 | $62.4K |
| September 30, 2026 | Connelly Elizabeth H.Director | Received as pay | 412 | $66.2K |
| September 30, 2026 | Lefevre Deborah L. HallDirector | Received as pay | 439 | $70.6K |
| September 30, 2026 | Teglia Karin GustafsonDirector | Received as pay | 420 | $67.5K |
Who owns WTFC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Fmr LLC13G, passive with 1 related filers | 8.1% | August 6, 2025 |
| Vanguard Portfolio Management13G, passive | 5.36% | April 29, 2026 |
| Vanguard Capital Management13G, passive | 5.26% | April 30, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 598 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 6,583,424 | +286,831 |
| Fmr LLC | 5,122,321 | -164,061 |
| Vanguard Portfolio Management LLC | 3,595,895 | +9,022 |
| Vanguard Capital Management LLC | 3,071,434 | +45,670 |
| Dimensional Fund Advisors LP | 2,675,991 | -25,993 |
| State Street Corp | 2,658,319 | +71,964 |
| First Trust Advisors LP | 1,749,346 | -80,922 |
| Earnest Partners LLC | 1,374,559 | -26,075 |
| Geode Capital Management, LLC | 1,337,969 | +18,652 |
| Principal Financial Group Inc | 1,246,124 | -19,676 |
| Invesco Ltd. | 1,174,971 | -193,764 |
| Bank of America Corp | 1,045,426 | +26,848 |
| Clearbridge Investments, LLC | 1,007,925 | +50,682 |
| Capital International Investors | 927,769 | +25,102 |
| Jennison Associates LLC | 872,304 | +23,659 |
| Jpmorgan Chase & Co | 815,162 | +92,507 |
| Charles Schwab Investment Management Inc | 801,412 | -6,135 |
| Northern Trust Corp | 785,184 | -2,400 |
| Fuller & Thaler Asset Management, Inc. | 764,128 | +113,528 |
| Norges Bank | 742,963 | new |
Insiders
23 insiders reported holding 835,949 shares in total, about $129.3M at the last price.
| Holder | Shares |
|---|---|
| Wehmer Edward JFOUNDER AND SENIOR ADVISOR | 187,66718,487 held indirectly |
| Dykstra David AVICE CHAIRMAN AND COO | 166,602 |
| Crane TimothyPRESIDENT & CEO, Director | 95,706 |
| Crist Peter DDirector | 76,253 |
| Zidar Thomas PCHAIRMAN SR MKT HD WEALTH -MTG | 50,773 |
| Hackett H Patrick JrDirector | 47,354 |
| Murphy Richard BVICE CHAIR,CHIEF LENDING OFC | 30,107 |
| Glabe Marla FDirector | 23,776 |
| Washington Alex E IIIDirector | 21,390 |
| Teglia Karin GustafsonDirector | 19,884 |
Questions about WTFC
What does Wintrust Financial Corp do?
Wintrust Financial Corp is a company in the Finance sector, listed on NASDAQ as WTFC. Its shares trade on NASDAQ under the ticker WTFC.
What is Wintrust Financial Corp's net worth?
Wintrust Financial Corp has a market value (market cap) of $10.4B at the latest share price, and shareholders' equity of $7.3B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Wintrust Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $923.2M.
When did Wintrust Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 4, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the passive stake changed from November 5, 2026.
When is Wintrust Financial Corp's next earnings report?
Wintrust Financial Corp's next report is expected around January 19, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Wintrust Financial Corp pay a dividend?
Yes. Wintrust Financial Corp declared dividends of $2.00 per share in fiscal 2025, a yield of 1.29% at the current price.
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Where the numbers come from
Financial figures are the values Wintrust Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.