WINTRUST FINANCIAL CORP WTFC

Latest FY: 2025 Financial Services Banks - Regional
Market Price $150.52
Market Cap $10.15B
P/E Ratio 13.20
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑11.2% YoY
$2.73B
3-Yr CAGR: 11.7%
Net Income ↑18.5% YoY
$823.84M
Net Margin: 30.2%
Free Cash Flow ↑35.4% YoY
$860.40M
FCF Yield: 8.47%
EPS (Diluted) ↑10.6% YoY
$11.40
Basic: $11.57
Return on Equity Efficiency
11.3%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (WTFC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,047.6M $957.4M $206.9M $3.66 $0.48 0.66% $309.1M $275.2M
FY 2017 $1,151.6M +9.9% $1,037.2M $257.7M +24.6% $4.40 +20.2% $0.56 0.68% $401.0M $341.8M +24.2%
FY 2018 $1,321.1M +14.7% $1,115.1M $343.2M +33.2% $5.86 +33.2% $0.76 1.14% $377.2M $308.9M -9.6%
FY 2019 $1,462.1M +10.7% $1,131.9M $355.7M +3.7% $6.03 +2.9% $1.00 1.41% $266.0M $184.0M -40.4%
FY 2020 $1,644.1M +12.4% $1,391.0M $293.0M -17.6% $4.68 -22.4% $1.12 1.83% $-518.5M $-582.1M -416.4%
FY 2021 $1,711.1M +4.1% $1,560.5M $466.2M +59.1% $7.58 +62.0% $1.24 1.37% $1,130.9M $1,073.8M +284.5%
FY 2022 $1,956.4M +14.3% $1,704.3M $509.7M +9.3% $8.02 +5.8% $1.36 1.61% $1,375.0M $1,321.6M +23.1%
FY 2023 $2,272.0M +16.1% $1,216.7M $622.6M +22.2% $9.58 +19.5% $1.60 1.73% $744.4M $698.0M -47.2%
FY 2024 $2,450.9M +7.9% $935.8M $695.0M +11.6% $10.31 +7.6% $1.80 1.44% $721.6M $635.5M -8.9%
FY 2025 $2,726.0M +11.2% $1,222.0M $823.8M +18.5% $11.40 +10.6% $2.00 1.43% $910.3M $860.4M +35.4%
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Valuation

Market Price $150.52
Market Cap $10.15B
Enterprise Value $9.76B
P/E Ratio 13.20
P/B Ratio 1.40
FCF Yield 8.47%
Dividend Yield 1.33%
Shares Outstanding 67,447,800
%

Profitability & Margins

Gross Margin 44.83%
Operating Margin 41.03%
Net Margin 30.22%
Return on Equity (ROE) 11.35%
Return on Assets (ROA) 1.16%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 11.69%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $392.20M
Total Debt N/A
Book Value / Share $107.62
💧

Cash Flow Efficiency

Operating Cash Flow $910.35M
Capital Expenditures (CapEx) $49.95M
Free Cash Flow $860.40M
OCF / Revenue 33.40%
FCF / Revenue 31.56%
FCF 3-Yr CAGR -13.33%
🏷️

Per Share Metrics

EPS (Diluted) $11.40
EPS (Basic) $11.57
Dividends / Share $2.00
Book Value / Share $107.62
EPS YoY Growth 10.57%
🏛️

Balance Sheet (FY 2025)

Total Assets $71.14B
Total Liabilities $63.88B
Stockholders' Equity $7.26B
Current Assets N/A
Current Liabilities N/A