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Wintrust Financial WTFC Off-Balance Sheet Commitments (Contractual)

Off-Balance Sheet Commitments (Contractual) at other companies

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Other financials

Income statement

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Revenue$713.2M+10.9%
Net income$227.4M+20.3%
EPS (diluted)$3.22+19.7%

Balance sheet

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Cash & equivalents$543.7M-11.8%
Total debt$3.4B+845%
Total equity$7.4B+11.8%
Total assets$72.2B+9.5%

Cash flow

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Operating cash flow$927.2M+674%
CapEx$12.5M-36.2%
Free cash flow$215.1M-54.4%

Valuation

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Market cap$10.39B+24.6%
P/E12.1×+0.1×
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 equity12.3%+0.8pp
Debt / equity0.5×+0.4×

Where this comes from

Reported directly by Wintrust Financial in its filing.

Tagged under the XBRL concept us-gaap:LoansAndLeasesReceivableImpairedCommitmentToLend.

The official record: Wintrust Financial’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Wintrust Financial's off-balance sheet commitments (contractual)?
Wintrust Financial (WTFC) reported off-balance sheet commitments (contractual) of $31.2M in Q1 2026.
How has Wintrust Financial's off-balance sheet commitments (contractual) changed year-over-year?
Wintrust Financial's off-balance sheet commitments (contractual) increased by 100.0% year-over-year, from $15.6M to $31.2M.
What is the long-term trend for Wintrust Financial's off-balance sheet commitments (contractual)?
Over 2 years (2023 to 2025), Wintrust Financial's off-balance sheet commitments (contractual) has grown at a -17.7% compound annual growth rate (CAGR), from $53.7M to $36.4M.
What does off-balance sheet commitments (contractual) mean?
The total value of unused credit lines and lending commitments provided to customers.
How do you interpret off-balance sheet commitments (contractual)?
An increase indicates potential future loan growth and higher liquidity requirements, while a decrease may signal reduced demand or tighter lending standards.
How does off-balance sheet commitments (contractual) compare across companies?
Standard metric for all commercial banks; peers with higher commercial lending activity typically show larger commitment balances.