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Complete financial analysis of Wintrust Financial Corporation (WTFC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Wintrust Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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Wintrust Financial Corporation (WTFC)
About Wintrust Financial Corporation
Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.16B | 1.96B | 1.71B | 1.64B | 1.46B | 1.32B | 1.15B | 1.04B | 908.90M | 807.43M | 767.95M | 733.97M | 651.08M | 608.00M | 470.42M | 339.39M | 335.26M | 336.26M | 310.32M | 243.28M | 193.08M | 158.80M | 102.81M | 79.31M | 57.54M | 44.90M | 31.70M | 22.40M | 9.70M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 577.00K | 305.00K | 1.25M | 0.00 | 0.00 | 0.00 | 41.80M | 48.23M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 2.16B | 1.96B | 1.71B | 1.64B | 1.46B | 1.32B | 1.15B | 1.04B | 907.65M | 807.43M | 767.95M | 733.97M | 609.27M | 559.76M | 470.42M | 339.39M | 335.26M | 336.26M | 310.32M | 243.28M | 193.08M | 158.80M | 102.81M | 79.31M | 57.54M | 44.90M | 31.70M | 22.40M | 9.70M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 99.95% | 99.97% | 99.86% | 100.00% | 100.00% | 100.00% | 93.58% | 92.07% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 819.12M | 724.75M | 718.70M | 651.08M | 555.62M | 497.29M | 446.31M | 421.22M | 389.92M | 347.67M | 321.52M | 302.01M | 266.50M | 249.15M | 208.08M | 150.69M | 145.53M | 137.01M | 118.07M | 94.05M | 74.78M | 63.44M | 35.63M | 28.12M | 20.81M | 18.90M | 14.20M | 11.60M | 0.00 |
| Selling & Marketing | 65.08M | 59.42M | 47.28M | 36.30M | 48.60M | 41.14M | 30.83M | 24.78M | 21.85M | 13.57M | 11.05M | 9.44M | 8.38M | 6.32M | 5.37M | 5.35M | 5.32M | 5.07M | 4.97M | 3.40M | 2.22M | 2.30M | 1.60M | 1.31M | 1.40M | 1.60M | 1.30M | 1.10M | 0.00 |
| SG&A | 884.19M | 784.16M | 765.97M | 687.38M | 604.21M | 538.43M | 477.14M | 446.00M | 411.77M | 361.25M | 332.57M | 311.45M | 274.88M | 255.46M | 213.45M | 156.04M | 150.85M | 142.08M | 123.04M | 97.45M | 76.99M | 65.74M | 37.23M | 29.43M | 22.21M | 20.50M | 15.50M | 12.70M | 0.00 |
| Other Expenses | 0.00 | 192.27M | -1.84B | -1.94B | -1.58B | -1.19B | -186.35M | -175.30M | 0.00 | 0.00 | 0.00 | 0.00 | -37.97M | 0.00 | 0.00 | 0.00 | 0.00 | -65.04M | -138.13M | -155.92M | -127.23M | -97.94M | -18.73M | -5.10M | -4.00M | -9.50M | -7.90M | -13.20M | -8.20M |
| Operating Expenses | 1.11B | 192.27M | -1.07B | -1.25B | -979.07M | -650.75M | 58.67M | 45.19M | 40.15M | 29.15M | 25.97M | 24.70M | 25.25M | 22.71M | 18.77M | 14.18M | 12.41M | 77.04M | -15.09M | -58.47M | -50.24M | -32.20M | 18.50M | 24.33M | 18.21M | 11.00M | 7.60M | -500.00K | -8.20M |
| Cost & Expenses | 1.11B | 330.73M | -1.07B | -1.25B | -979.07M | -650.75M | 59.24M | 45.49M | 41.40M | 29.15M | 25.97M | 24.70M | 67.06M | 70.94M | 18.77M | 14.18M | 12.41M | 77.04M | -15.09M | -58.47M | -50.24M | -32.20M | 18.50M | 24.33M | 18.21M | 11.00M | 7.60M | -500.00K | -8.20M |
| Interest Income | 2.89B | 1.75B | 1.28B | 1.29B | 1.39B | 1.17B | 946.47M | 812.46M | 718.46M | 671.27M | 630.71M | 627.02M | 603.50M | 591.18M | 527.61M | 514.72M | 611.56M | 557.95M | 407.04M | 261.75M | 203.99M | 182.23M | 166.46M | 148.18M | 109.33M | 88.00M | 65.10M | 39.10M | 9.70M |
| Interest Expense | 1.06B | 252.08M | 150.53M | 253.11M | 330.22M | 205.91M | 114.39M | 90.26M | 76.94M | 72.69M | 80.08M | 107.51M | 144.42M | 177.27M | 215.74M | 270.16M | 350.01M | 309.06M | 190.28M | 103.92M | 83.50M | 84.11M | 92.44M | 87.18M | 61.60M | 51.20M | 38.30M | 24.20M | 0.00 |
| Depreciation & Amortization | 84.76M | 97.22M | 102.61M | 95.33M | 88.36M | 67.67M | 63.11M | 36.89M | 4.62M | 4.69M | 4.63M | 4.32M | 3.43M | 2.74M | 20.51M | 20.57M | 20.01M | 17.62M | 16.75M | 12.06M | 11.02M | 11.74M | 7.50M | 8.39M | 3.76M | 2.60M | 1.70M | 2.10M | 0.00 |
| EBITDA | 0.00 | 0.00 | 697.10M | 486.15M | 568.46M | 531.32M | 0.00 | 396.47M | 245.54M | 284.22M | 250.62M | 204.81M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 165.19M | 0.00 | 90.69M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.50M |
| EBITDA Ratio | 0.00% | 8.62% | 40.20% | 26.73% | 36.16% | 55.72% | 49.46% | 45.75% | 40.20% | 43.50% | 43.06% | 42.55% | 44.84% | 48.72% | 75.20% | 94.69% | 135.37% | 128.15% | 100.54% | 80.93% | 79.69% | 87.12% | 125.30% | 141.26% | 138.17% | 130.29% | 129.34% | 107.14% | 15.43% |
| Operating Income | 1.05B | 124.51M | 637.80M | 389.78M | 480.10M | 666.04M | 29.65M | 16.44M | 2.73M | 346.55M | 326.08M | 307.99M | 288.49M | 293.50M | 333.24M | 300.80M | 433.83M | 413.30M | 295.23M | 184.81M | 142.84M | 126.60M | 121.32M | 103.63M | 75.75M | 55.90M | 39.30M | 21.90M | 1.50M |
| Operating Income Ratio | 48.49% | 6.37% | 37.35% | 23.75% | 32.90% | 50.58% | 2.58% | 1.58% | 0.30% | 42.92% | 42.46% | 41.96% | 44.31% | 48.27% | 70.84% | 88.63% | 129.40% | 122.91% | 95.14% | 75.97% | 73.98% | 79.72% | 118.00% | 130.67% | 131.64% | 124.50% | 123.97% | 97.77% | 15.43% |
| Total Other Income/Expenses | -200.61M | 645.05M | -133.65M | -143.10M | -125.41M | -106.87M | -94.97M | -97.02M | -95.73M | -90.22M | -86.03M | -32.35M | -160.46M | -195.44M | 156.01M | -290.72M | -370.02M | -60.95M | -204.39M | -9.81M | -83.50M | -84.11M | -92.19M | -87.18M | -61.60M | -51.20M | -38.30M | -24.20M | -16.90M |
| Income Before Tax | 845.08M | 700.56M | 637.80M | 389.78M | 480.10M | 460.13M | 390.00M | 331.85M | 251.77M | 246.43M | 224.44M | 180.13M | 128.03M | 100.81M | 117.50M | 30.64M | 83.82M | 104.24M | 104.95M | 80.89M | 59.34M | 42.50M | 29.13M | 16.45M | 14.15M | 4.70M | 1.00M | -2.30M | 1.00M |
| Income Before Tax Ratio | 39.19% | 35.82% | 37.35% | 23.75% | 32.90% | 34.94% | 33.99% | 31.94% | 27.70% | 30.52% | 29.23% | 24.54% | 19.66% | 16.58% | 24.98% | 9.03% | 25.00% | 31.00% | 33.82% | 33.25% | 30.73% | 26.76% | 28.33% | 20.74% | 24.59% | 10.47% | 3.15% | -10.27% | 10.33% |
| Income Tax Expense | 222.46M | 190.87M | 171.65M | 96.79M | 124.40M | 116.97M | 132.32M | 124.98M | 95.02M | 95.03M | 87.23M | 68.94M | 50.46M | 37.48M | 44.44M | 10.15M | 28.17M | 37.75M | 37.93M | 29.55M | 21.23M | 14.62M | 10.44M | 5.29M | 4.72M | -1.50M | -3.80M | -1.30M | -495.00K |
| Net Income | 622.63M | 509.68M | 466.15M | 292.99M | 355.70M | 343.17M | 257.68M | 206.88M | 156.75M | 151.40M | 137.21M | 111.20M | 77.58M | 63.33M | 73.07M | 20.49M | 55.65M | 66.49M | 67.02M | 51.33M | 38.12M | 27.88M | 18.44M | 11.16M | 9.43M | 6.20M | 4.80M | -1.00M | 1.50M |
| Net Income Ratio | 28.87% | 26.06% | 27.30% | 17.85% | 24.38% | 26.06% | 22.46% | 19.91% | 17.25% | 18.75% | 17.87% | 15.15% | 11.91% | 10.42% | 15.53% | 6.04% | 16.60% | 19.77% | 21.60% | 21.10% | 19.74% | 17.55% | 17.93% | 14.07% | 16.38% | 13.81% | 15.14% | -4.46% | 15.43% |
| EPS | 9.72 | 8.14 | 7.69 | 4.72 | 6.11 | 6.10 | 4.71 | 4.11 | 3.28 | 3.25 | 3.55 | 3.06 | 2.19 | 2.11 | 3.04 | 0.87 | 2.31 | 2.66 | 2.89 | 2.49 | 2.11 | 1.71 | 1.34 | 0.85 | 0.76 | 0.51 | 0.41 | -0.11 | 0.18 |
| EPS Diluted | 9.58 | 8.02 | 7.58 | 4.68 | 6.03 | 6.00 | 4.55 | 3.81 | 3.02 | 2.98 | 2.75 | 2.31 | 1.76 | 2.01 | 2.77 | 0.85 | 2.24 | 2.56 | 2.75 | 2.34 | 1.98 | 1.60 | 1.27 | 0.83 | 0.73 | 0.49 | 0.40 | -0.11 | 0.16 |
| Weighted Avg Shares Out | 61.15M | 59.21M | 56.99M | 57.52M | 56.86M | 56.30M | 54.70M | 50.28M | 47.84M | 46.52M | 38.70M | 36.37M | 35.36M | 30.06M | 24.01M | 23.62M | 24.11M | 25.01M | 23.20M | 20.65M | 18.07M | 16.30M | 13.76M | 13.07M | 12.40M | 12.08M | 11.61M | 9.20M | 8.32M |
| Weighted Avg Shares Out (Dil) | 62.09M | 60.09M | 57.79M | 58.02M | 57.62M | 57.21M | 56.69M | 54.27M | 51.94M | 50.85M | 49.95M | 48.03M | 43.99M | 31.57M | 26.35M | 24.13M | 24.89M | 25.93M | 24.34M | 21.97M | 19.25M | 17.42M | 14.52M | 13.39M | 12.86M | 12.57M | 12.00M | 9.20M | 9.36M |
Wintrust Financial (WTFC) is a Great Momentum Stock: Should You Buy?
Wintrust Financial Corporation (WTFC) Q3 2024 Earnings Call Transcript
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Wintrust Financial Corporation Reports Third Quarter and Year-to-Date Results
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