Wintrust Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-	695.05	622.63	509.68	466.15
Depreciation & Amortization	-	57.78	42.4	44.06	60.92
Other Amortization	-	42.3	42.36	38.01	40.88
Gain (Loss) on Sale of Assets	-	-1.62	-0.37	2.05	-6.41
Gain (Loss) on Sale of Investments	-	0.47	-0.29	22.84	7.45
Provision for Credit Losses	-	101.05	114.39	78.59	-59.26
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-38.86	-24.95	427.6	638.02
Change in Trading Asset Securities	-	0.64	-3.58	-0.07	-0.39
Accrued Interest Receivable	-	-131.43	-205.43	-91.59	187.74
Change in Other Net Operating Assets	-	-7.51	5.8	9.68	-8.63
Other Operating Activities	-	84.93	8.88	-12.06	7.27
Operating Cash Flow	-	721.56	744.38	1,375	1,131
Operating Cash Flow Growth	-	-3.07%	-45.86%	21.59%	-
Capital Expenditures	-	-86.03	-46.41	-53.45	-57.08
Cash Acquisitions	-	531.31	-5.15	-	-585.4
Investment in Securities	-	-1,558	-313.9	967.37	-3,203
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-4,778	-2,898	-4,320	-2,101
Other Investing Activities	-	-56.01	25.38	-84.47	0.54
Investing Cash Flow	-	-5,946	-3,238	-3,491	-5,929
Long-Term Debt Issued	-	825.24	50.67	1,200	12.63
Long-Term Debt Repaid	-	-223.67	-	-	-27.78
Net Debt Issued (Repaid)	-	601.56	50.67	1,200	-15.16
Issuance of Common Stock	-	6.69	8.31	296.96	19.82
Repurchase of Common Stock	-	-3.94	-1.91	-0.3	-9.54
Common Dividends Paid	-	-115.32	-97.73	-80.25	-70.66
Preferred Dividends Paid	-	-27.96	-27.96	-27.96	-27.97
Total Dividends Paid	-	-143.28	-125.69	-108.21	-98.63
Net Increase (Decrease) in Deposit Accounts	-	4,805	2,495	806.95	5,007
Other Financing Activities	-	-6.17	-0.06	-	-16.58
Financing Cash Flow	-	5,260	2,426	2,196	4,887
Net Cash Flow	-	35.07	-67.5	79.76	88.73
Free Cash Flow	-	635.53	697.97	1,322	1,074
Free Cash Flow Growth	-	-8.95%	-47.19%	23.07%	-
Free Cash Flow Margin	-	27.07%	32.37%	70.40%	60.68%
Free Cash Flow Per Share	-	9.82	11.24	21.99	18.58
Cash Interest Paid	-	1,518	1,026	239.21	156.87
Cash Income Tax Paid	-	252.85	231.65	153.5	178.58

Source: S&P Global Market Intelligence. Banks template. Financial Sources.