Wintrust Financial Corporation (WTFC) Income Statement Analysis

See more : I-Mab (IMAB) Income Statement Analysis – Financial Results

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)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.wintrust.com

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

5 Top-Ranked Banks That Outperformed S&P 500 in November

December 5, 2023zacks.com

Bank stocks are on a roll in November on investor optimism about no further rate hikes, with United Bankshares (UBSI), Wintrust Financial (WTFC), First BanCorp. (FBP), TowneBank (TOWN) and WSFS Financial (WSFS) outperforming the S&P 500 index.

The top-rated strong-buy stocks on Marketbeat's radar

November 30, 2023marketbeat.com

Marketbeat.com provides numerous tools for investors to help them with due diligence, including analyst-tracking algorithms. The analyst-tracking algorithms screen for new coverage, price target revisions and rating changes, but that is just the tip of the iceberg.

Wintrust Financial: A Solid Bank But Not At A Discount

November 22, 2023seekingalpha.com

Wintrust Financial is outperforming by far SPDR S&P Regional Banking ETF. Net income remained high and improved compared to Q3 2022, and the bank is well capitalized. Loan portfolio increased while non-performing loans remain low.

2 Top-Ranked Banks Stocks to Buy on a Red-Hot November Rally

November 21, 2023zacks.com

The U.S. stock markets are on a roll this November. To capitalize on this, we have selected two banks - Wintrust Financial (WTFC) and Bank OZK (OZK) - for your portfolio.

Chicago Tribune Names Wintrust Financial Corporation a Winner of the Chicagoland Top Workplaces 2023 Award

November 9, 2023globenewswire.com

ROSEMONT, Ill., Nov. 09, 2023 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (“Wintrust”) has been awarded a Top Workplaces 2023 honor by the Chicago Tribune for the tenth year in a row. The list is based solely on employee feedback gathered...

How Much Upside is Left in Wintrust (WTFC)? Wall Street Analysts Think 25.84%

October 31, 2023zacks.com

The mean of analysts' price targets for Wintrust (WTFC) points to a 25.8% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in...

Wintrust Financial Corporation Announces Cash Dividends

October 26, 2023globenewswire.com

ROSEMONT, Ill., Oct. 26, 2023 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (“Wintrust” or the “Company”) (Nasdaq: WTFC) today announced that the Company's Board of Directors approved a quarterly cash dividend of $0.40 per share of outstanding common stock. The dividend...

3 Bank Stocks to Buy (if You're Feeling Lucky)

October 22, 2023investorplace.com

Although we're far removed from the financial sector crisis, many investors understandably feel shaky about bank stocks to buy. According to a CNN report at the end of May this year, the lingering effects of the calamity have not been...

Wintrust Financial Corporation (WTFC) Q3 2023 Earnings Call Transcript

October 18, 2023seekingalpha.com

Wintrust Financial Corporation (NASDAQ:WTFC ) Q3 2023 Earnings Call Transcript October 18, 2023 11:00 AM ET Company Participants Tim Crane - President and Chief Executive Officer David Dykstra - Vice Chairman and Chief Operating Officer Richard Murphy - Vice Chairman...

Wintrust Financial (WTFC) Beats Q3 Earnings and Revenue Estimates

October 17, 2023zacks.com

Wintrust Financial (WTFC) came out with quarterly earnings of $2.53 per share, beating the Zacks Consensus Estimate of $2.43 per share. This compares to earnings of $2.21 per share a year ago.

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Wintrust Financial Corporation (WTFC) Income Statement Analysis – Financial Results

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