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Wintrust Financial WTFC Hybrid debt

Hybrid debt at other companies

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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:OtherBorrowings.

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)June 30,2026December 31,2025June 30,2025
Interest-bearing49,344,53946,293,49044,939,645
Total deposits61,141,27557,717,19155,816,811
Federal Home Loan Bank advances3,450,6803,451,3093,151,309
Other borrowings370,736477,966625,392
Subordinated notes298,820298,636298,458
Junior subordinated debentures253,566253,566253,566
Payable on unsettled securities sales——39,105
Accrued interest payable and other liabilities1,627,9421,684,6631,572,981

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's hybrid debt?
Wintrust Financial (WTFC) reported hybrid debt of $370.74M in Q2 2026.
How has Wintrust Financial's hybrid debt changed year-over-year?
Wintrust Financial's hybrid debt decreased by 40.7% year-over-year, from $625.39M to $370.74M.
What is the long-term trend for Wintrust Financial's hybrid debt?
Over 5 years (2020 to 2025), Wintrust Financial's hybrid debt has grown at a -1.6% compound annual growth rate (CAGR), from $518.93M to $477.97M.
What does hybrid debt mean?
This category includes long-term debt obligations such as subordinated debt, trust preferred securities, or other hybrid capital instruments. These instruments often count toward regulatory capital and provide the bank with stable, long-term funding. They are distinct from operational deposits and short-term borrowings due to their longer maturity profiles.

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