Wintrust Financial Corporation (WTFC)
NASDAQ: WTFC · Real-Time Price · USD
150.77
+1.02 (0.68%)
At close: Oct 23, 2026, 4:00 PM EDT
150.65
-0.12 (-0.08%)
After-hours: Oct 23, 2026, 7:55 PM EDT
Wintrust Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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 | 76.11 | 57.78 | 42.4 | 44.06 | 60.92 |
Other Amortization | 42.67 | 42.3 | 42.36 | 38.01 | 40.88 |
Gain (Loss) on Sale of Assets | 3.02 | -1.62 | -0.37 | 2.05 | -6.41 |
Gain (Loss) on Sale of Investments | -18.91 | 0.47 | -0.29 | 22.84 | 7.45 |
Provision for Credit Losses | 95.55 | 101.05 | 114.39 | 78.59 | -59.26 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -30.85 | -38.86 | -24.95 | 427.6 | 638.02 |
Change in Trading Asset Securities | 4.07 | 0.64 | -3.58 | -0.07 | -0.39 |
Accrued Interest Receivable | -68.99 | -131.43 | -205.43 | -91.59 | 187.74 |
Change in Other Net Operating Assets | 18.1 | -7.51 | 5.8 | 9.68 | -8.63 |
Other Operating Activities | 66.89 | 84.93 | 8.88 | -12.06 | 7.27 |
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% | - |
Investing Activities
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 |
Capital Expenditures | -49.95 | -86.03 | -46.41 | -53.45 | -57.08 |
Cash Acquisitions | - | 531.31 | -5.15 | - | -585.4 |
Investment in Securities | -1,075 | -1,558 | -313.9 | 967.37 | -3,203 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -5,036 | -4,778 | -2,898 | -4,320 | -2,101 |
Other Investing Activities | -10.12 | -76.04 | 20.33 | -84.47 | 0.54 |
Investing Cash Flow | -6,169 | -5,946 | -3,238 | -3,491 | -5,929 |
Financing Activities
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 |
Long-Term Debt Issued | 300 | 825.24 | 50.67 | 1,200 | 12.63 |
Long-Term Debt Repaid | -73.61 | -223.67 | - | - | -27.78 |
Net Debt Issued (Repaid) | 226.39 | 601.56 | 50.67 | 1,200 | -15.16 |
Issuance of Common Stock | 7.22 | 6.69 | 8.31 | 296.96 | 19.82 |
Repurchase of Common Stock | -3 | -3.94 | -1.91 | -0.3 | -9.54 |
Preferred Stock Issued | 414.15 | - | - | - | - |
Preferred Share Repurchases | -412.5 | - | - | - | - |
Common Dividends Paid | -133.78 | -115.32 | -97.73 | -80.25 | -70.66 |
Preferred Dividends Paid | -35.64 | -27.96 | -27.96 | -27.96 | -27.97 |
Total Dividends Paid | -169.42 | -143.28 | -125.69 | -108.21 | -98.63 |
Net Increase (Decrease) in Deposit Accounts | 5,205 | 4,805 | 2,495 | 806.95 | 5,007 |
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
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 Cash Flow | 9.4 | 35.07 | -67.5 | 79.76 | 88.73 |
Free Cash Flow
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 |
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% | - |
Free Cash Flow Margin | 32.74% | 27.07% | 32.37% | 70.40% | 60.68% |
Free Cash Flow Per Share | 12.67 | 9.82 | 11.24 | 21.99 | 18.58 |
Additional Metrics
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 |
Cash Interest Paid | 1,489 | 1,518 | 1,026 | 239.21 | 156.87 |
Cash Income Tax Paid | 222.41 | 252.85 | 231.65 | 153.5 | 178.58 |