Wintrust Financial Corporation (WTFC)

Wintrust Financial Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	923.16	823.84	695.05	622.63	509.68	466.15
Depreciation & Amortization	74.06	76.11	57.78	42.4	44.06	60.92
Other Amortization	44.87	42.67	42.3	42.36	38.01	40.88
Gain (Loss) on Sale of Assets	0.19	3.02	-1.62	-0.37	2.05	-6.41
Gain (Loss) on Sale of Investments	-37.25	-18.91	0.47	-0.29	22.84	7.45
Provision for Credit Losses	106.2	95.55	101.05	114.39	78.59	-59.26
Net Decrease (Increase) in Loans Originated / Sold - Operating	11.88	-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	392.49	-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	70.48	66.89	84.93	8.88	-12.06	7.27
Operating Cash Flow	1,792	910.35	721.56	744.38	1,375	1,131
Operating Cash Flow Growth	55.87%	26.16%	-3.07%	-45.86%	21.59%	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-81.7	-49.95	-86.03	-46.41	-53.45	-57.08
Cash Acquisitions	-34.1	-	531.31	-5.15	-	-585.4
Investment in Securities	-2,456	-1,075	-1,558	-313.9	967.37	-3,203
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4,775	-5,036	-4,778	-2,898	-4,320	-2,101
Other Investing Activities	-12.75	-10.12	-76.04	20.33	-84.47	0.54
Investing Cash Flow	-7,351	-6,169	-5,946	-3,238	-3,491	-5,929

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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)	81.78	226.39	601.56	50.67	1,200	-15.16
Issuance of Common Stock	7.72	7.22	6.69	8.31	296.96	19.82
Repurchase of Common Stock	-5.75	-3	-3.94	-1.91	-0.3	-9.54
Preferred Stock Issued	-	414.15	-	-	-	-
Preferred Share Repurchases	-	-412.5	-	-	-	-
Common Dividends Paid	-144.69	-133.78	-115.32	-97.73	-80.25	-70.66
Preferred Dividends Paid	-33.47	-35.64	-27.96	-27.96	-27.96	-27.97
Total Dividends Paid	-178.16	-169.42	-143.28	-125.69	-108.21	-98.63
Net Increase (Decrease) in Deposit Accounts	5,724	5,205	4,805	2,495	806.95	5,007
Other Financing Activities	-	-	-6.17	-0.06	-	-16.58
Financing Cash Flow	5,629	5,268	5,260	2,426	2,196	4,887

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	70.19	9.4	35.07	-67.5	79.76	88.73

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	1,710	860.4	635.53	697.97	1,322	1,074
Free Cash Flow Growth	55.03%	35.38%	-8.95%	-47.19%	23.07%	-
Free Cash Flow Margin	60.77%	32.74%	27.07%	32.37%	70.40%	60.68%
Free Cash Flow Per Share	25.06	12.67	9.82	11.24	21.99	18.58

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	1,489	1,489	1,518	1,026	239.21	156.87
Cash Income Tax Paid	222.41	222.41	252.85	231.65	153.5	178.58

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 9, 2026

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