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Wintrust Financial WTFC Community Banking — Provision for Credit Losses

Other segment segments

Specialty finance
$1.77M+0.5%
Wealth management
$0

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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:ProvisionForLoanLeaseAndOtherLosses.

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
Interest income$816,613$122,632$8,874$948,119$13,293$961,412
Interest expense346,16317,78499364,046364,046
Net interest income470,450104,8488,775584,07313,293597,366
Provision for credit losses21,3691,76523,13423,134
Non-interest income86,60636,59143,412166,609(25,340)141,269
Non-interest expense:
Salaries100,75917,89110,819129,469406129,875
Commissions and incentive compensation37,32711,45413,68262,46362,463

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Wintrust Financial's community banking — provision for credit losses?
Wintrust Financial (WTFC) reported community banking — provision for credit losses of $21.37M in Q2 2026.
How has Wintrust Financial's community banking — provision for credit losses changed year-over-year?
Wintrust Financial's community banking — provision for credit losses increased by 4.4% year-over-year, from $20.48M to $21.37M.
What is the long-term trend for Wintrust Financial's community banking — provision for credit losses?
Over 4 years (2021 to 2025), Wintrust Financial's community banking — provision for credit losses has grown at a 10.2% compound annual growth rate (CAGR), from -$60.31M to $89.05M.
What does community banking — provision for credit losses mean?
An expense charged to the community banking segment's earnings to maintain the allowance for loan and lease losses at a level management deems adequate to cover expected credit losses. This reflects the bank's assessment of the credit quality and risk profile of its loan portfolio. It is a forward-looking estimate of potential defaults.

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