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Wintrust Financial WTFC Service charges on deposit accounts

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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 wtfc:RevenuesServiceCharges.

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)Three Months Ended / June 30,2026Three Months Ended / June 30,2025Six Months Ended / June 30,2026Six Months Ended / June 30,2025
Non-interest income
Wealth management39,88336,82181,94270,863
Mortgage banking27,43823,17050,83443,699
Service charges on deposit accounts21,24019,50242,21038,864
Gains on investment securities, net1,8456501,8143,846
Fees from covered call options4,7935,6249,4629,070
Trading gains, net701518087
Operating lease income, net18,80415,16637,95830,453

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's service charges on deposit accounts?
Wintrust Financial (WTFC) reported service charges on deposit accounts of $21.24M in Q2 2026.
How has Wintrust Financial's service charges on deposit accounts changed year-over-year?
Wintrust Financial's service charges on deposit accounts increased by 8.9% year-over-year, from $19.5M to $21.24M.
What is the long-term trend for Wintrust Financial's service charges on deposit accounts?
Over 4 years (2021 to 2025), Wintrust Financial's service charges on deposit accounts has grown at a 9.9% compound annual growth rate (CAGR), from $54.17M to $79.09M.
What does service charges on deposit accounts mean?
Fees charged to customers for deposit account maintenance, overdrafts, and other banking services. This represents a stable, recurring source of non-interest income. It is a key indicator of the bank's ability to monetize its deposit base.

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