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Wintrust Financial WTFC Community Banking — Net Income

Other segment segments

Specialty finance
$60.46M+23.9%
Wealth management
$11.8M+55.3%

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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:NetIncomeLoss.

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
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:
Interest income$800,316$102,737$4,964$908,017$12,891$920,908
Interest expense363,66010,427127374,214374,214

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's community banking — net income?
Wintrust Financial (WTFC) reported community banking — net income of $161.43M in Q2 2026.
How has Wintrust Financial's community banking — net income changed year-over-year?
Wintrust Financial's community banking — net income increased by 16.0% year-over-year, from $139.13M to $161.43M.
What is the long-term trend for Wintrust Financial's community banking — net income?
Over 4 years (2021 to 2025), Wintrust Financial's community banking — net income has grown at a 15.9% compound annual growth rate (CAGR), from $319.1M to $576.67M.
What does community banking — net income mean?
The bottom-line profitability of the community banking segment after deducting all operating expenses, provisions for credit losses, and income taxes. It represents the segment's contribution to the overall financial performance of the parent holding company.

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