Wintrust Financial Corporation (WTFC)

From the record

Wintrust Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Wintrust Financial Corporation's 10 filed years say what it did: revenue went from $812 million in fiscal 2016 to $3.7 billion in fiscal 2025, up 18.4% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Wintrust Financial Corporation's diluted share count grew about 4.2% a year, and dividends and buybacks returned about 18% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 14 sales and 0 purchases of their own stock on the open market in the year to 2026-10-23 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Wintrust Financial Corporation earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 4.9% over the year (the filed statements).

From the record

Wintrust Financial Corporation's standing among 155 graded names in its industry family: revenue of $3.7 billion in fiscal 2025 ranks in the top 8% by size; a net margin of 22.1% ranks in the top 45%; revenue growth of 28.7% a year over the last 3 filed years ranks in the top 11% (its annual reports).

From the record

Wintrust Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Crane, Timothy (PRESIDENT & CEO, as filed), filing under that title since 2023-05-12, 3.5 years (bottom 19% of its family); the 23 officers and directors filing in the last fifteen months have been on the record a median of 9.8 years (top 19%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 23 people in charge now (top 24%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Wintrust Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $468 million against no long-term debt tagged leaves 0.7% of its assets as net cash, bottom 15% of its family; cash from operations less capital spending is 23.1% of revenue (bottom 48%) (its annual report).

From the record

Wintrust Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 28.7% a year over the last three filed years against 18.4% over all 10, speeding up (top 12% of its family); the newest year grew 7.2% (top 37%); capital spending grew -2.2% a year (bottom 40%) (its annual reports). Wintrust Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Wintrust Financial Corporation's newest year against its own record: revenue of $3.7 billion in fiscal 2025 came in 24% below the $4.9 billion its prior three years' pace pointed to (bottom 15% of its family); net income of $824 million against a prior three-year average of $609 million (top 18%); a net margin of 22.1% against 23.6% before (top 30%) (its annual reports).