Wintrust Financial Corporation (WTFC)

Wintrust Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	739.93	695.05	622.63	509.68	466.15	292.99
Depreciation & Amortization	73.28	57.78	42.4	44.06	60.92	58.45
Other Amortization	42.01	42.3	42.36	38.01	40.88	37.92
Gain (Loss) on Sale of Assets	0.04	-1.62	-0.37	2.05	-6.41	-1
Gain (Loss) on Sale of Investments	-7.77	0.47	-0.29	22.84	7.45	13.25
Provision for Credit Losses	85.51	101.05	114.39	78.59	-59.26	214.22
Net Decrease (Increase) in Loans Originated / Sold - Operating	93.88	-38.86	-24.95	427.6	638.02	-677.53
Change in Trading Asset Securities	4.13	0.64	-3.58	-0.07	-0.39	0.4
Accrued Interest Receivable	47.46	-131.43	-205.43	-91.59	187.74	-131.87
Change in Other Net Operating Assets	13.68	-7.51	5.8	9.68	-8.63	-0.86
Other Operating Activities	190.03	84.93	8.88	-12.06	7.27	54.31
Operating Cash Flow	878.1	721.56	744.38	1,375	1,131	-518.47
Operating Cash Flow Growth	39.70%	-3.07%	-45.86%	21.59%	-	-
Capital Expenditures	-45.98	-86.03	-46.41	-53.45	-57.08	-63.65
Cash Acquisitions	531.31	531.31	-5.15	-	-585.4	-
Investment in Securities	-1,660	-1,558	-313.9	967.37	-3,203	-1,807
Net Decrease (Increase) in Loans Originated / Sold - Investing	-5,121	-4,778	-2,898	-4,320	-2,101	-5,291
Other Investing Activities	-5.51	-56.01	25.38	-84.47	0.54	-31.42
Investing Cash Flow	-6,303	-5,946	-3,238	-3,491	-5,929	-7,182
Long-Term Debt Issued	-	825.24	50.67	1,200	12.63	642.1
Long-Term Debt Repaid	-	-223.67	-	-	-27.78	-
Net Debt Issued (Repaid)	-10.02	601.56	50.67	1,200	-15.16	642.1
Issuance of Common Stock	7.16	6.69	8.31	296.96	19.82	15.06
Repurchase of Common Stock	-3.4	-3.94	-1.91	-0.3	-9.54	-93.43
Preferred Stock Issued	414.21	-	-	-	-	277.61
Common Dividends Paid	-126.66	-115.32	-97.73	-80.25	-70.66	-64.51
Preferred Dividends Paid	-27.96	-27.96	-27.96	-27.96	-27.97	-21.38
Total Dividends Paid	-154.62	-143.28	-125.69	-108.21	-98.63	-85.89
Net Increase (Decrease) in Deposit Accounts	5,458	4,805	2,495	806.95	5,007	6,986
Other Financing Activities	-6.17	-6.17	-0.06	-	-16.58	-4.52
Financing Cash Flow	5,705	5,260	2,426	2,196	4,887	7,737
Net Cash Flow	280.04	35.07	-67.5	79.76	88.73	36
Free Cash Flow	832.12	635.53	697.97	1,322	1,074	-582.11
Free Cash Flow Growth	53.61%	-8.95%	-47.19%	23.07%	-	-
Free Cash Flow Margin	33.55%	27.07%	32.37%	70.40%	60.68%	-40.73%
Free Cash Flow Per Share	12.37	9.82	11.24	21.99	18.58	-10.03
Cash Interest Paid	1,518	1,518	1,026	239.21	156.87	257.41
Cash Income Tax Paid	252.85	252.85	231.65	153.5	178.58	105.27

Updated Jul 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q