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Wintrust Financial WTFC Capital Conservation Buffer

Capital Conservation Buffer at other companies

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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:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

The official record: Wintrust Financial’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Wintrust Financial's capital conservation buffer?
Wintrust Financial (WTFC) reported capital conservation buffer of $0.08 in Q4 2025.
How has Wintrust Financial's capital conservation buffer changed year-over-year?
Wintrust Financial's capital conservation buffer decreased by 0.0% year-over-year, from $0.08 to $0.08.
What is the long-term trend for Wintrust Financial's capital conservation buffer?
Over 5 years (2020 to 2025), Wintrust Financial's capital conservation buffer has grown at a 0.0% compound annual growth rate (CAGR), from $0.08 to $0.08.
What does capital conservation buffer mean?
An extra cushion of capital that banks are required to hold to survive economic downturns.
How do you interpret capital conservation buffer?
Maintaining a buffer above the minimum requirement signals financial strength and regulatory compliance.
How does capital conservation buffer compare across companies?
Standardized under Basel III frameworks; all major banks are subject to similar regulatory buffer requirements.