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Wintrust Financial WTFC Short-Term Borrowings

Discontinued — last reported Q4 '25

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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 us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate.

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

Approximately $3.1 billion of the FHLB advances outstanding at December 31, 2025 currently have varying put or call dates over the next 12 months. At December 31, 2025, the weighted average contractual interest rate on FHLB advances was 3.21%.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Wintrust Financial's short-term borrowings?
Wintrust Financial (WTFC) reported short-term borrowings of $3.1B in Q4 2025.
What is the long-term trend for Wintrust Financial's short-term borrowings?
Over 5 years (2020 to 2025), Wintrust Financial's short-term borrowings has grown at a 207.0% compound annual growth rate (CAGR), from $11.37M to $3.1B.
What does short-term borrowings mean?
Bank lines of credit, revolving credit facilities, and other short-term debt instruments with maturities under one year.

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