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Wintrust Financial WTFC Bank Owned Life Insurance

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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$10.71B+30.5%
P/E11.9×+0.8×
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:BankOwnedLifeInsurance.

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

The Company maintains BOLI on certain individuals. BOLI balances are recorded at their cash surrender values and are included in other assets in the Consolidated Statements of Condition. Changes in the cash surrender values are included in non-interest income. At December 31, 2025 and 2024, BOLI totaled $223.7 million and $219.5 million, respectively.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Wintrust Financial's bank owned life insurance?
Wintrust Financial (WTFC) reported bank owned life insurance of $223.7M in Q4 2025.
How has Wintrust Financial's bank owned life insurance changed year-over-year?
Wintrust Financial's bank owned life insurance increased by 1.9% year-over-year, from $219.5M to $223.7M.
What is the long-term trend for Wintrust Financial's bank owned life insurance?
Over 5 years (2020 to 2025), Wintrust Financial's bank owned life insurance has grown at a 7.7% compound annual growth rate (CAGR), from $154.6M to $223.7M.
What does bank owned life insurance mean?
This is an investment in life insurance policies on key employees, where the bank is the beneficiary. It is used as a tax-advantaged vehicle to offset the costs of employee benefit plans.

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