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Wintrust Financial WTFC Community Banking — Income before taxes

Other segment segments

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$76.78M+13.8%
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$15.48M+54.9%

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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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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
(In thousands) / Three Months Ended June 30, 2026:Community BankingSpecialty FinanceWealth ManagementTotal Operating SegmentsIntersegment EliminationsConsolidated
Benefits32,4876,6312,63341,75141,751
Other segment expenses (1)139,40526,9199,577175,901(12,453)163,448
Total non-interest expense309,97862,89536,711409,584(12,047)397,537
Income before taxes225,70976,77915,476317,964317,964
Income tax expense64,27816,3163,67784,27184,271
Net income$161,431$60,463$11,799$233,693$233,693
Total assets at period end$59,218,299$14,138,775$1,311,061$74,668,135$74,668,135
Three Months Ended June 30, 2025:

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's community banking — income before taxes?
Wintrust Financial (WTFC) reported community banking — income before taxes of $225.71M in Q2 2026.
How has Wintrust Financial's community banking — income before taxes changed year-over-year?
Wintrust Financial's community banking — income before taxes increased by 19.0% year-over-year, from $189.63M to $225.71M.
What is the long-term trend for Wintrust Financial's community banking — income before taxes?
Over 3 years (2022 to 2025), Wintrust Financial's community banking — income before taxes has grown at a 17.8% compound annual growth rate (CAGR), from $478.29M to $782.79M.
What does community banking — income before taxes mean?
The profit generated by the community banking segment after all operating expenses and credit provisions are deducted, but before the application of income taxes. This represents the segment's pre-tax contribution to the company's overall earnings. It is a key measure of the segment's standalone financial performance.

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