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Wintrust Financial WTFC Provision for Credit Losses

Provision for Credit Losses at other companies

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$227M+30.5%
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$11.2M+206%

Segments

By segment

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Community Banking$27.28M+21.6%
Specialty finance$2.31M+50.7%
Wealth management$0

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:ProvisionForLoanLeaseAndOtherLosses.

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 provision for credit losses?
Wintrust Financial (WTFC) reported provision for credit losses of $29.59M in Q1 2026.
How has Wintrust Financial's provision for credit losses changed year-over-year?
Wintrust Financial's provision for credit losses increased by 23.5% year-over-year, from $23.96M to $29.59M.
What is the long-term trend for Wintrust Financial's provision for credit losses?
Over 3 years (2022 to 2025), Wintrust Financial's provision for credit losses has grown at a 6.7% compound annual growth rate (CAGR), from $78.59M to $95.55M.
What does provision for credit losses mean?
The amount set aside to cover potential future losses on loans.
How do you interpret provision for credit losses?
An increase suggests deteriorating credit quality or a more conservative economic outlook, while a decrease suggests improved portfolio health.
How does provision for credit losses compare across companies?
Standard across all lenders; benchmarked against total loans or non-performing assets.