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Wintrust Financial WTFC Mortgage servicing rights

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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%
CapEx$12.5M-36.2%
Free cash flow$215.1M-54.4%

Valuation

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Market cap$10.74B+28.3%
P/E11.9×+0.6×
P/S3.8×+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:ServicingAssetAtFairValueAmount.

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
(In thousands)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Fair value at beginning of the period$195,276$196,307$195,023$203,788
Additions from loans sold with servicing retained8,7456,33615,17911,005
Estimate of changes in fair value due to:
Payoffs, paydowns and repurchases(6,499)(5,616)(13,140)(10,252)
Changes in valuation inputs or assumptions4,381(3,966)4,841(11,480)
Fair value at end of the period$201,903$193,061$201,903$193,061
Unpaid principal balance of mortgage loans serviced for others$12,669,679$12,470,924

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's mortgage servicing rights?
Wintrust Financial (WTFC) reported mortgage servicing rights of $201.9M in Q2 2026.
How has Wintrust Financial's mortgage servicing rights changed year-over-year?
Wintrust Financial's mortgage servicing rights increased by 4.6% year-over-year, from $193.06M to $201.9M.
What is the long-term trend for Wintrust Financial's mortgage servicing rights?
Over 5 years (2020 to 2025), Wintrust Financial's mortgage servicing rights has grown at a 16.2% compound annual growth rate (CAGR), from $92.08M to $195.02M.
What does mortgage servicing rights mean?
This represents the capitalized asset value of the right to service mortgage loans for a fee after they have been sold to third-party investors. The value is sensitive to interest rate fluctuations, as higher rates typically reduce prepayment speeds and increase the value of the servicing rights. It is a key indicator of the profitability and sustainability of the mortgage banking business.

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