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Discontinued — last reported Q4 '25

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Other financials

Income statement

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Revenue$738.6M+10.1%
Net income$233.7M+19.5%
EPS (diluted)$3.30+18.7%

Balance sheet

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Cash & equivalents$595.9M-14.3%
Total debt$3.4B+845%
Total equity$7.5B+4.1%
Total assets$74.7B+8.2%

Cash flow

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Operating cash flow$255.1M-22.5%
Free cash flow$215.1M-54.4%

Valuation

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Market cap$10.89B+30.1%
P/E12.1×+0.8×
P/S3.9×+1.1×

Profitability

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Net margin26.6%-2.0pp
FCF margin23.1%-19.1pp

Returns & leverage

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Return on equity12.2%+0.6pp
Debt / equity0.5×+0.4×

Where this comes from

Reported directly by Wintrust Financial in its filing.

Tagged under the XBRL concept us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

The source filing: Wintrust Financial’s 10-K, filed February 26, 2026.

Filed
Feb 26, 2026, 4:34 PM EST
Fiscal year
FY2025
Accession
0001015328-26-000007
(In thousands)Years Ended December 31, 2025Years Ended December 31, 2024Years Ended December 31, 2023
Decrease (increase) in interest-bearing deposits with banks, net1,238,103(2,334,423)(91,251)
Increase in loans, net(5,035,792)(5,405,340)(3,303,303)
Redemption of BOLI351367574
Purchases of premises and equipment, net(49,951)(86,032)(46,406)
Net Cash Used for Investing Activities(6,168,623)(5,946,363)(3,237,816)
Financing Activities:
Increase in deposit accounts, net5,204,8424,805,0042,494,619
(Decrease) increase in other borrowings, net(73,607)(83,674)40,670

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Wintrust Financial's capex?
Wintrust Financial (WTFC) reported capex of $12.49M in Q4 2025.
How has Wintrust Financial's capex changed year-over-year?
Wintrust Financial's capex decreased by 36.2% year-over-year, from $19.58M to $12.49M.
What is the long-term trend for Wintrust Financial's capex?
Over 4 years (2021 to 2025), Wintrust Financial's capex has grown at a -3.3% compound annual growth rate (CAGR), from $57.08M to $49.95M.
What does capex mean?
Cash spent on property, plant, and equipment — the primary measure of investment in productive capacity and infrastructure.

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