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Wintrust Financial WTFC Unfunded commitments to investment partnerships

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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$10.89B+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 wtfc:UnfundedCommitmentsToInvestInPartnerships.

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 had unfunded commitments to investment partnerships that qualify for CRA purposes totaling $160.7 million and $94.1 million as of December 31, 2025 and 2024, respectively. Of these commitments, $126.3 million and $67.0 million related to legally-binding unfunded commitments for tax-credit investments and were included within other liabilities on the Consolidated Statements of Condition as of December 31, 2025 and 2024, respectively.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Wintrust Financial's unfunded commitments to investment partnerships?
Wintrust Financial (WTFC) reported unfunded commitments to investment partnerships of $160.7M in Q4 2025.
How has Wintrust Financial's unfunded commitments to investment partnerships changed year-over-year?
Wintrust Financial's unfunded commitments to investment partnerships increased by 70.8% year-over-year, from $94.1M to $160.7M.
What is the long-term trend for Wintrust Financial's unfunded commitments to investment partnerships?
Over 5 years (2020 to 2025), Wintrust Financial's unfunded commitments to investment partnerships has grown at a 41.3% compound annual growth rate (CAGR), from $28.5M to $160.7M.
What does unfunded commitments to investment partnerships mean?
This represents the total contractual obligation to provide future capital to investment partnerships or joint ventures that has not yet been called by the general partner. It serves as a measure of off-balance sheet liquidity risk and future capital requirements. Monitoring these commitments is essential for managing cash flow planning and assessing the bank's long-term investment strategy.

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