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Wintrust Financial WTFC Gross charge-offs

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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:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff.

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
Pass11,448,7689,081,0365,457,2843,706,2304,427,69912,853,5156,836,33619,01653,829,884
Special mention181,76282,49293,745129,683166,034103,878273,2572,6761,033,527
Substandard accrual8,78817,11752,37098,20690,610156,10272,5501,335497,078
Substandard nonaccrual/doubtful7,12027,39319,31516,36038,60352,9461,086300163,123
Total loans$$11,646,438$$9,208,703$$5,633,096$$3,960,473$$4,730,536$$13,269,145$$7,183,229$$23,327$$55,654,947
Gross write offs
Three months ended June 30, 2026$$282$$6,546$$3,301$$3,898$$1,409$$1,846$$$$17,282
Six months ended June 30, 2026$$492$$14,819$$5,354$$7,024$$5,572$$7,670$$$$40,931

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's gross charge-offs?
Wintrust Financial (WTFC) reported gross charge-offs of $17.28M in Q2 2026.
How has Wintrust Financial's gross charge-offs changed year-over-year?
Wintrust Financial's gross charge-offs decreased by 6.6% year-over-year, from $18.5M to $17.28M.
What does gross charge-offs mean?
Gross charge-offs

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