Wintrust Financial Corporation (WTFC) Income Statement
WTFC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsWTFC revenue and net income
Where WTFC's revenue goes
2025Each bar shows an amount and its share of revenue. WTFC kept 19.5% of revenue as net income.
WTFC profit margins
WTFC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +6.7% | +24.2% | +17.4% | +15.7% |
| Gross profit | +11.9% | +11.9% | +13.0% | +11.6% |
| Operating income | +18.1% | +16.9% | +23.5% | +16.1% |
| Net income | +18.5% | +17.4% | +23.0% | +18.0% |
| EPS (diluted) | +13.7% | +13.6% | +17.3% | +14.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
WTFC quarterly EPS vs estimates
Wintrust Financial beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 19, 2026 (estimate $3.29).
WTFC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.23B | $3.97B | $2.89B | $2.21B | $1.86B | $1.90B | $1.79B | $1.52B | $1.26B | $1.13B |
| Cost of revenue | $1.60B | $1.62B | $434.4M | $330.7M | $91.3M | $467.3M | $384.1M | $240.7M | $144.2M | $124.3M |
| Gross profit | $2.63B | $2.35B | $2.89B | $1.88B | $1.77B | $1.43B | $1.41B | $1.28B | $1.12B | $1.00B |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $1.00B | $919.9M | $99.8M | $784.2M | $766.0M | $687.4M | $604.2M | $538.4M | $477.1M | $446.0M |
| Total operating expenses | $1.51B | $1.40B | $99.8M | $1.18B | $1.13B | $1.04B | $925.2M | $821.8M | $727.1M | $672.6M |
| Operating income | $1.12B | $947.1M | $53.3M | $700.6M | $637.8M | $389.8M | $480.1M | $460.1M | $390.0M | $331.9M |
| Interest income | $3.73B | $3.48B | $2.68B | $1.75B | $1.28B | $1.29B | $1.39B | $1.17B | $946.5M | $812.5M |
| Interest expense | $1.50B | $1.52B | $1.06B | $252.1M | $150.5M | $253.1M | $330.2M | $205.9M | $114.4M | $90.3M |
| Income before taxes | $1.12B | $947.1M | $845.1M | $700.6M | $637.8M | $389.8M | $480.1M | $460.1M | $390.0M | $331.9M |
| Income taxes | $294.6M | $252.0M | $222.5M | $190.9M | $171.6M | $96.8M | $124.4M | $117.0M | $132.3M | $125.0M |
| Net income | $823.8M | $695.0M | $622.6M | $509.7M | $466.2M | $293.0M | $355.7M | $343.2M | $257.7M | $206.9M |
| EBITDA | $1.24B | $1.05B | $53.3M | $782.6M | $739.6M | $486.1M | $568.5M | $527.8M | $453.1M | $385.0M |
| EPS (diluted) | $11.72 | $10.31 | $9.58 | $8.00 | $7.64 | $5.28 | $6.41 | $5.99 | $4.25 | $3.57 |
| Gross margin | 62.2% | 59.3% | 100.0% | 85.0% | 95.1% | 75.4% | 78.5% | 84.2% | 88.6% | 89.0% |
| Operating margin | 26.4% | 23.9% | 1.8% | 31.7% | 34.3% | 20.5% | 26.8% | 30.2% | 30.9% | 29.4% |
| Net margin | 19.5% | 17.5% | 21.5% | 23.1% | 25.0% | 15.4% | 19.9% | 22.5% | 20.4% | 18.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.10B | $1.06B | $1.09B | $1.09B | $1.04B | $1.00B | $1.03B | $1.02B | $971.1M | $946.0M | $894.7M | $874.9M |
| Cost of revenue | $387.2M | $378.1M | $400.0M | $418.6M | $396.4M | $384.5M | $405.3M | $428.4M | $419.4M | $363.0M | $366.8M | $320.0M |
| Gross profit | $715.5M | $683.6M | $686.7M | $676.1M | $648.5M | $619.1M | $621.7M | $593.4M | $551.7M | $583.0M | $527.9M | $554.9M |
| Sales, general & admin | $336.8M | $320.1M | $236.3M | $283.5M | $249.3M | $234.7M | $235.9M | $240.0M | $226.4M | $217.6M | $254.8M | $220.3M |
| Total operating expenses | $387.4M | $382.6M | $384.5M | $380.0M | $381.5M | $366.1M | $368.6M | $360.7M | $340.4M | $333.0M | $362.7M | $330.1M |
| Operating income | $328.1M | $300.9M | $302.2M | $296.0M | $267.1M | $253.1M | $253.1M | $232.7M | $211.3M | $250.0M | $165.2M | $224.9M |
| Interest income | $961.4M | $927.6M | $956.3M | $963.8M | $920.9M | $887.0M | $913.5M | $908.6M | $850.0M | $805.5M | $793.8M | $762.4M |
| Interest expense | $364.0M | $348.5M | $372.5M | $396.8M | $374.2M | $360.5M | $388.4M | $406.0M | $379.4M | $341.3M | $323.9M | $300.0M |
| Income before taxes | $318.0M | $300.9M | $302.2M | $296.0M | $267.1M | $253.1M | $253.1M | $232.7M | $211.3M | $250.0M | $165.2M | $224.9M |
| Income taxes | $84.3M | $73.6M | $79.2M | $79.8M | $71.6M | $64.0M | $67.7M | $62.7M | $59.0M | $62.7M | $41.8M | $60.7M |
| Net income | $233.7M | $227.4M | $223.0M | $216.3M | $195.5M | $189.0M | $185.4M | $170.0M | $152.4M | $187.3M | $123.5M | $164.2M |
| EBITDA | $357.3M | $330.9M | $332.1M | $324.6M | $298.0M | $282.5M | $282.3M | $258.5M | $235.0M | $271.4M | $187.4M | $252.5M |
| EPS (diluted) | $3.30 | $3.22 | $3.15 | $3.06 | $2.82 | $2.69 | $2.63 | $2.47 | $2.32 | $2.89 | $1.87 | $2.53 |
| Gross margin | 64.9% | 64.4% | 63.2% | 61.8% | 62.1% | 61.7% | 60.5% | 58.1% | 56.8% | 61.6% | 59.0% | 63.4% |
| Operating margin | 29.8% | 28.3% | 27.8% | 27.0% | 25.6% | 25.2% | 24.6% | 22.8% | 21.8% | 26.4% | 18.5% | 25.7% |
| Net margin | 21.2% | 21.4% | 20.5% | 19.8% | 18.7% | 18.8% | 18.0% | 16.6% | 15.7% | 19.8% | 13.8% | 18.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in WTFC's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
WTFC financial results
In fiscal year 2025 (ended December 31, 2025), Wintrust Financial reported revenue of $4.2 billion, up 6.7% from the year before. It had net income of $823.8 million (up 18.5%), a net profit margin of 19.5%. Diluted earnings per share came to $11.72. Over five years revenue grew at an average rate of 17.4% a year.
See the WTFC stock overview for the latest quote and news, or the WTFC chart for price history and technical indicators.
WTFC income statement FAQ
What is Wintrust Financial's annual revenue?
Wintrust Financial reported total revenue of $4.2 billion for fiscal year 2025, which ended on December 31, 2025. That was up 6.7% from $4.0 billion the previous year.
Is Wintrust Financial profitable?
Yes. Wintrust Financial reported net income of $823.8 million in fiscal 2025, a net profit margin of 19.5%; its operating margin was 26.4%.
What is Wintrust Financial's gross margin?
Wintrust Financial's gross margin was 62.2% in fiscal 2025: for every $100 of revenue, Wintrust Financial kept $62 after the direct cost of its products and services.
How fast is Wintrust Financial growing?
Revenue grew 17.4% a year on average over the last five fiscal years, from $1.9 billion to $4.2 billion.
What are Wintrust Financial's earnings per share?
Wintrust Financial earned $11.72 per diluted share in fiscal 2025, compared with $10.31 a year earlier.
When will Wintrust Financial report its next earnings?
Wintrust Financial is expected to report results for the quarter ending September 30, 2026 on October 19, 2026 after the market closes.
When does Wintrust Financial's fiscal year end?
Wintrust Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.