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Wintrust Financial WTFC Unfunded Equity Investment Commitments

Unfunded Equity Investment Commitments at other companies

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First Merchants CorporationFRME

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$10.74B+28.3%
P/E11.9×+0.6×
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 equity12.2%+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:QualifiedAffordableHousingProjectInvestmentsCommitment.

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

The Company had unfunded commitments to investment partnerships that qualify for CRA purposes totaling $160.7 million and $94.1 million as of December 31, 2025 and 2024, respectively. Of these commitments, $126.3 million and $67.0 million related to legally-binding unfunded commitments for tax-credit investments and were included within other liabilities on the Consolidated Statements of Condition as of December 31, 2025 and 2024, respectively.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Wintrust Financial's unfunded equity investment commitments?
Wintrust Financial (WTFC) reported unfunded equity investment commitments of $126.3M in Q4 2025.
How has Wintrust Financial's unfunded equity investment commitments changed year-over-year?
Wintrust Financial's unfunded equity investment commitments increased by 88.5% year-over-year, from $67M to $126.3M.
What is the long-term trend for Wintrust Financial's unfunded equity investment commitments?
Over 5 years (2020 to 2025), Wintrust Financial's unfunded equity investment commitments has grown at a 271.7% compound annual growth rate (CAGR), from $178K to $126.3M.
What does unfunded equity investment commitments mean?
This metric tracks the total contractual obligations to provide capital to equity investments that have not yet been called by the investee. It represents a contingent liability that requires future liquidity and impacts the company's capital allocation strategy. Investors use this to gauge the extent of off-balance sheet financial commitments and potential future capital calls.

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