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Wintrust Financial WTFC Short-Term Borrowings

Discontinued — last reported Q4 '25

Short-Term Borrowings at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$68.05B+4.7%
Fifth Third Bank logo
Fifth Third BankFITB
$1.29B
Truist Financial logo
Truist FinancialTFC
$27.44B
Western Alliance Bancorporation logo
Western Alliance BancorporationWAL
$4.52B+78.4%
Regions Financial logo
Regions FinancialRF
$3.2B
M&T Bank logo
M&T BankMTB
$7.8B+420%

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:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate.

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 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?
Debt obligations that the company must pay back within one year.
How do you interpret short-term borrowings?
An increase may signal liquidity pressure or a reliance on short-term funding markets, while a decrease suggests improved cash flow or a shift to more stable, long-term funding sources.
How does short-term borrowings compare across companies?
Peers typically maintain a balance between short-term borrowings and core deposits to optimize interest expense and liquidity risk.