Wintrust Financial Corporation (WTFC)

Wintrust Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	862.19	823.84	695.05	622.63	509.68	466.15
Depreciation & Amortization	119.22	118.78	100.08	84.76	82.07	101.8
Provision for Credit Losses	101.18	95.55	101.05	114.39	78.59	-59.26
Stock-Based Compensation	42.46	41.55	38.11	33.5	31.75	16.18
Net Change in Loans Held-for-Sale	-94.38	-30.85	-38.86	-24.95	427.6	638.02
Other Adjustments	-134.71	-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	646.47	-50.89	-138.94	-199.63	-81.9	179.11
Changes in Accounts Payable	130.5	-57.67	-49.35	164.61	377.4	78.48
Operating Cash Flow	1,718	910.35	721.56	744.38	1,375	1,131
Operating Cash Flow Growth	123.03%	26.16%	-3.07%	-45.86%	21.59%	-
Net Change in Loans Held-for-Investment	-5,352	-5,036	-5,405	-3,303	-4,320	-2,101
Net Change in Securities and Investments	-3,054	-2,313	697.52	-210.37	-3,209	-1,931
Payments for Business Acquisitions	-	-	531.31	-5.15	-	-585.4
Capital Expenditures	-58.31	-49.95	-86.03	-46.41	-53.45	-57.08
Other Investing Activities	1,190	1,230	-1,684	327.41	4,092	-1,254
Investing Cash Flow	-7,062	-6,169	-5,946	-3,238	-3,491	-5,929
Net Change in Deposits	5,344	5,205	4,805	2,495	806.95	5,007
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	97.85	226.39	741.56	50.67	1,200	-15.16
Issuance of Common Stock	7.31	7.22	-133.31	8.31	296.96	19.82
Repurchase of Common Stock	-4.81	-3	-3.94	-1.91	-0.3	-9.54
Net Common Stock Issued (Repurchased)	2.49	4.22	-137.24	6.4	296.66	10.28
Issuance of Preferred Stock	207.04	414.15	-	-	-	-
Repurchase of Preferred Stock	-	-412.5	-	-	-	-
Net Preferred Stock Issued (Repurchased)	207.04	1.65	-	-	-	-
Common Dividends Paid	-174.44	-169.42	-143.28	-125.69	-108.21	-98.63
Other Financing Activities	-	-	-6.17	-0.06	-	-16.58
Financing Cash Flow	5,272	5,268	5,260	2,426	2,196	4,887
Net Cash Flow	-72.56	9.4	35.07	-67.5	79.76	88.73
Free Cash Flow	1,659	860.4	635.53	697.97	1,322	1,074
Free Cash Flow Growth	92.87%	35.38%	-8.95%	-47.19%	23.07%	-
FCF Margin	61.58%	32.71%	27.05%	32.35%	70.38%	60.65%
Free Cash Flow Per Share	24.40	12.67	9.82	11.24	21.99	18.58
Levered Free Cash Flow	1,649	738.5	493.48	594.41	805.77	740.11
Unlevered Free Cash Flow	837.87	-35.66	-173.61	-0.25	324.05	301.92

Updated May 6, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q