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Wintrust Financial WTFC Specialty finance — Provision for Credit Losses

Other segment segments

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$21.37M+4.4%
Wealth management
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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 specialty finance — provision for credit losses?
Wintrust Financial (WTFC) reported specialty finance — provision for credit losses of $1.77M in Q2 2026.
How has Wintrust Financial's specialty finance — provision for credit losses changed year-over-year?
Wintrust Financial's specialty finance — provision for credit losses increased by 0.5% year-over-year, from $1.76M to $1.77M.
What is the long-term trend for Wintrust Financial's specialty finance — provision for credit losses?
Over 4 years (2021 to 2025), Wintrust Financial's specialty finance — provision for credit losses has grown at a 57.9% compound annual growth rate (CAGR), from $1.05M to $6.5M.
What does specialty finance — provision for credit losses mean?
This represents the expense set aside by the specialty finance segment to cover expected future loan losses. It reflects management's assessment of credit risk within the specialty lending portfolio based on current economic conditions and historical loss experience.

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