Wintrust Financial Corporation (WTFC) Earnings History
Elite Compounder30 years of earnings data (1996–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Wintrust Financial Corporation (WTFC) Earnings Overview
As of September 24, 2026, Wintrust Financial Corporation (WTFC) reported trailing twelve-month net income of $862M, reflecting +12.1% year-over-year growth. The company earned $12.66 per diluted share over the past four quarters, with a net profit margin of 19.5%.
Looking at the long-term picture, WTFC's 5-year EPS compound annual growth rate (CAGR) stands at +19.8%, indicating exceptional earnings growth. The company achieved its highest annual net income of $824M in fiscal 2025, representing a new all-time high.
Wintrust Financial Corporation maintains industry-leading profitability with a gross margin of 62.2%, operating margin of 26.4%, and net margin of 19.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including IBCP ($72M net income, 21.7% margin), FULT ($397M net income, 20.7% margin), UMBF ($943M net income, 15.8% margin), WTFC has room to improve margins relative to the peer group. Compare WTFC vs IBCP →
WTFC Earnings vs Peers
Earnings metrics vs comparable public companies
WTFC Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $824M | +18.5% | $1.12B | $11.56 | 30.2% | 41.0% |
| 2024 | $695M | +11.6% | $947M | $10.31 | 28.4% | 38.6% |
| 2023 | $623M | +22.2% | $845M | $9.58 | 27.4% | 37.2% |
| 2022 | $510M | +9.3% | $701M | $8.02 | 26.1% | 35.8% |
| 2021 | $466M | +59.1% | $638M | $7.58 | 27.2% | 37.3% |
| 2020 | $293M | -17.6% | $390M | $4.68 | 17.8% | 23.7% |
| 2019 | $356M | +3.7% | $480M | $6.03 | 24.4% | 32.9% |
| 2018 | $343M | +33.2% | $460M | $5.86 | 26.1% | 34.9% |
| 2017 | $258M | +24.6% | $390M | $4.40 | 22.5% | 34.0% |
| 2016 | $207M | +32.0% | $332M | $3.66 | 19.9% | 32.0% |
| 2015 | $157M | +3.5% | $252M | $2.93 | 17.3% | 27.7% |
| 2014 | $151M | +10.3% | $246M | $2.98 | 18.8% | 30.5% |
| 2013 | $137M | +23.4% | $224M | $2.75 | 17.9% | 29.2% |
| 2012 | $111M | +43.3% | $180M | $2.31 | 15.2% | 24.5% |
| 2011 | $78M | +22.5% | $128M | $1.67 | 12.7% | 21.0% |
| 2010 | $63M | -13.3% | $101M | $1.02 | 11.3% | 18.0% |
| 2009 | $73M | +256.6% | $118M | $2.18 | 15.5% | 25.0% |
| 2008 | $20M | -63.2% | $31M | $0.76 | 6.0% | 9.0% |
| 2007 | $56M | -16.3% | $84M | $2.24 | 16.6% | 25.0% |
| 2006 | $66M | -0.8% | $104M | $2.56 | 19.8% | 31.0% |
| 2005 | $67M | +30.5% | $105M | $2.75 | 21.9% | 34.2% |
| 2004 | $51M | +34.7% | $81M | $2.34 | 21.5% | 33.9% |
| 2003 | $38M | +36.7% | $59M | $1.98 | 19.7% | 30.7% |
| 2002 | $28M | +51.2% | $42M | $1.60 | 17.6% | 26.8% |
| 2001 | $18M | +65.3% | $29M | $1.27 | 17.9% | 28.3% |
| 2000 | $11M | +18.3% | $16M | $0.83 | 14.1% | 20.7% |
| 1999 | $9M | +52.0% | $14M | $0.73 | 16.4% | 24.6% |
| 1998 | $6M | +29.2% | $5M | $0.49 | 13.8% | 10.5% |
| 1997 | $5M | +580.0% | $1M | $0.40 | 15.1% | 3.2% |
| 1996 | -$1M | - | -$2M | $-0.11 | -4.5% | -10.3% |
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WTFC — Frequently Asked Questions
Quick answers to the most common questions about buying WTFC stock.
What is WTFC earnings per share (EPS)?
WTFC trailing twelve-month (TTM) diluted EPS is $12.66, reflecting +12.1% year-over-year growth. The 5-year EPS CAGR is +19.8%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Wintrust Financial Corporation's net income?
Wintrust Financial Corporation (WTFC) trailing twelve-month net income is $862M as of 2025. Earnings grew +12.1% year-over-year. Wintrust Financial Corporation has been profitable for 29 consecutive years.
Is WTFC profitable?
Yes, WTFC is profitable with a TTM net income of $862M and a net profit margin of +19.5%. Wintrust Financial Corporation has generated profits for 29 consecutive years.
What is WTFC's earnings growth rate?
WTFC compound annual EPS growth rates (CAGR): 1-Year: +12.1%, 3-Year: +13.0%, 5-Year: +19.8%, 10-Year: +14.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are WTFC's profit margins?
Wintrust Financial Corporation net profit margin is +19.5%, operating margin is +26.4%, and gross margin is +62.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.1%.
Is WTFC growing earnings?
WTFC is growing earnings steadily. YoY EPS growth of +12.1% is consistent with the 5-year CAGR of +19.8%. TTM net income is $862M.
What was WTFC's best earnings year?
Wintrust Financial Corporation's highest annual net income on record is $824M, achieved in fiscal year 2025. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were WTFC's earnings last quarter?
WTFC's most recent reported quarter was Q1 2026. Net income was $227M with diluted EPS of $3.22. For a full breakdown of all quarters, see the quarterly earnings table on this page.