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Wintrust Financial WTFC Interest Expense

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Segments

By segment

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Community Banking$346.16M-4.8%
Specialty finance$17.78M+70.6%
Wealth management$99K-22.0%

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%
CapEx$12.5M-36.2%
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:InterestExpense.

The source filing: Wintrust Financial’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:47 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001015328-26-000022
(Dollars in thousands, except per share data)Three Months Ended / June 30,2026Three Months Ended / June 30,2025Six Months Ended / June 30,2026Six Months Ended / June 30,2025
Interest on other borrowings3,1216,9577,14713,749
Interest on subordinated notes3,7393,7357,4587,449
Interest on junior subordinated debentures3,9354,3287,8388,639
Total interest expense364,046374,214712,582734,705
Net interest income597,366546,6941,176,3901,073,168
Provision for credit losses23,13422,23452,72846,197
Net interest income after provision for credit losses574,232524,4601,123,6621,026,971
Non-interest income

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's interest expense?
Wintrust Financial (WTFC) reported interest expense of $364.05M in Q2 2026.
How has Wintrust Financial's interest expense changed year-over-year?
Wintrust Financial's interest expense decreased by 2.7% year-over-year, from $374.21M to $364.05M.
What is the long-term trend for Wintrust Financial's interest expense?
Over 4 years (2021 to 2025), Wintrust Financial's interest expense has grown at a 77.8% compound annual growth rate (CAGR), from $150.53M to $1.5B.
What does interest expense mean?
Cost of borrowing — interest paid or accrued on bonds, bank loans, credit facilities, finance leases, and other debt obligations.

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