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Wintrust Financial WTFC Provision for Credit Losses

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Segments

By segment

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Community Banking$21.37M+4.4%
Specialty finance$1.77M+0.5%
Wealth management$0

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 us-gaap:ProvisionForLoanLeaseAndOtherLosses.

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
Interest on junior subordinated debentures3,9354,3287,8388,639
Total interest expense364,046374,214712,582734,705
Net interest income597,366546,6941,176,3901,073,168
Provision for credit losses23,13422,23452,72846,197
Net interest income after provision for credit losses574,232524,4601,123,6621,026,971
Non-interest income
Wealth management39,88336,82181,94270,863
Mortgage banking27,43823,17050,83443,699

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's provision for credit losses?
Wintrust Financial (WTFC) reported provision for credit losses of $23.13M in Q2 2026.
How has Wintrust Financial's provision for credit losses changed year-over-year?
Wintrust Financial's provision for credit losses increased by 4.0% year-over-year, from $22.23M to $23.13M.
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?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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