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	823.84	695.05	622.63	509.68	466.15
Depreciation & Amortization	118.78	100.08	84.76	82.07	101.8
Provision for Credit Losses	95.55	101.05	114.39	78.59	-59.26
Stock-Based Compensation	41.55	38.11	33.5	31.75	16.18
Net Change in Loans Held-for-Sale	-30.85	-38.86	-24.95	427.6	638.02
Other Adjustments	-34.04	13.79	-47.35	-50.12	-289.2
Changes in Trading Assets	4.07	0.64	-3.58	-0.07	-0.39
Changes in Accrued Interest and Accounts Receivable	-50.89	-138.94	-199.63	-81.9	179.11
Changes in Accounts Payable	-57.67	-49.35	164.61	377.4	78.48
Operating Cash Flow	910.35	721.56	744.38	1,375	1,131
Operating Cash Flow Growth	26.16%	-3.07%	-45.86%	21.59%	-
Net Change in Loans Held-for-Investment	-5,036	-5,405	-3,303	-4,320	-2,101
Net Change in Securities and Investments	-2,313	697.52	-210.37	-3,209	-1,931
Payments for Business Acquisitions	-	531.31	-5.15	-	-585.4
Capital Expenditures	-49.95	-86.03	-46.41	-53.45	-57.08
Other Investing Activities	1,230	-1,684	327.41	4,092	-1,254
Investing Cash Flow	-6,169	-5,946	-3,238	-3,491	-5,929
Net Change in Deposits	5,205	4,805	2,495	806.95	5,007
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	226.39	741.56	50.67	1,200	-15.16
Issuance of Common Stock	7.22	-133.31	8.31	296.96	19.82
Repurchase of Common Stock	-3	-3.94	-1.91	-0.3	-9.54
Net Common Stock Issued (Repurchased)	4.22	-137.24	6.4	296.66	10.28
Issuance of Preferred Stock	414.15	-	-	-	-
Repurchase of Preferred Stock	-412.5	-	-	-	-
Net Preferred Stock Issued (Repurchased)	1.65	-	-	-	-
Common Dividends Paid	-169.42	-143.28	-125.69	-108.21	-98.63
Other Financing Activities	-	-6.17	-0.06	-	-16.58
Financing Cash Flow	5,268	5,260	2,426	2,196	4,887
Net Cash Flow	9.4	35.07	-67.5	79.76	88.73
Free Cash Flow	860.4	635.53	697.97	1,322	1,074
Free Cash Flow Growth	35.38%	-8.95%	-47.19%	23.07%	-
FCF Margin	32.71%	27.05%	32.35%	70.38%	60.65%
Free Cash Flow Per Share	12.67	9.82	11.24	21.99	18.58
Levered Free Cash Flow	738.5	493.48	594.41	805.77	740.11
Unlevered Free Cash Flow	-35.66	-173.61	-0.25	324.05	301.92

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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