Wintrust Financial Corporation (WTFC) Income Statement

30Y historyFree accessUpdated daily

Net interest income grew to $579.0 million in 2026Q1, reflecting a sustained upward trajectory from $464.2 million in 2024Q1 despite broader industry funding headwinds.

Annual statement

WTFC Income Statement

Wintrust Financial Corporation (WTFC) annual income statement — 30-year revenue, gross profit & net income history

Annual Quarterly

Metric	TTM	Dec'25	Dec'24	Dec'23	Dec'22	Dec'21	Dec'20	Dec'19	Dec'18	Dec'17	Dec'16	Dec'15	Dec'14	Dec'13	Dec'12	Dec'11	Dec'10	Dec'09	Dec'08	Dec'07	Dec'06	Dec'05	Dec'04	Dec'03	Dec'02	Dec'01	Dec'00	Dec'99	Dec'98	Dec'97	Dec'96

Net Interest Income	2.38B	2.22B	1.96B	1.84B	1.5B	1.12B	1.04B	1.05B	964.9M	832.08M	722.19M	641.53M	598.58M	550.63M	519.52M	461.38M	415.84M	311.88M	244.57M	261.55M	248.89M	216.76M	157.82M	120.49M	98.13M	74.01M	61M	47.73M	36.8M	26.8M	14.9M
NII Growth %	40.06%	13.33%	6.78%	22.9%	32.93%	8.18%	-1.42%	9.33%	15.96%	15.22%	12.57%	7.18%	8.71%	5.99%	12.6%	10.95%	33.33%	27.52%	-6.49%	5.09%	14.82%	37.34%	30.98%	22.79%	32.58%	21.33%	27.79%	29.71%	37.31%	79.87%	-
Net Interest Margin %	3.14%	3.13%	3.02%	3.27%	2.82%	2.24%	2.31%	2.88%	3.09%	2.98%	2.81%	2.8%	2.99%	3.04%	2.97%	2.9%	2.97%	2.55%	2.29%	2.79%	2.6%	2.65%	2.46%	2.54%	2.64%	2.74%	2.9%	2.84%	2.73%	2.54%	2.11%
Interest Income	3.85B	3.73B	3.48B	2.89B	1.75B	1.28B	1.29B	1.39B	1.17B	946.47M	812.46M	718.46M	671.27M	630.71M	627.02M	605.79M	593.11M	527.61M	514.72M	611.56M	557.95M	407.04M	261.75M	203.99M	182.23M	166.46M	148.18M	109.33M	88M	65.1M	39.1M
Interest Expense	1.47B	1.5B	1.52B	1.06B	252.08M	150.53M	253.11M	330.22M	205.91M	114.39M	90.26M	76.94M	72.69M	80.08M	107.5M	144.42M	177.27M	215.74M	270.16M	350.01M	309.06M	190.28M	103.92M	83.5M	84.11M	92.44M	87.18M	61.6M	51.2M	38.3M	24.2M
Loan Loss Provision	106.19M	95.56M	101.05M	114.39M	78.59M	-59.26M	214.22M	53.86M	34.83M	29.77M	34.08M	32.94M	20.54M	46.03M	76.44M	102.64M	124.66M	167.93M	57.44M	14.88M	7.06M	6.68M	6.3M	11M	10.32M	7.9M	5.05M	3.71M	4.3M	3.4M	1.9M
Non-Interest Income	542.07M	501.95M	488.32M	434.11M	461.05M	586.12M	604.19M	404.25M	351.89M	314.75M	316.38M	266.12M	208.86M	217.32M	214.45M	147.9M	143.93M	158.54M	95.91M	73.56M	87.38M	89.73M	80.79M	72.59M	60.67M	28.8M	18.31M	9.81M	8.07M	4.9M	7.5M
Non-Interest Income %	18.54%	18.41%	19.92%	19.11%	23.57%	34.25%	36.75%	27.7%	26.72%	27.45%	30.46%	29.32%	25.87%	28.3%	29.22%	24.27%	25.71%	33.7%	28.17%	21.95%	25.98%	29.28%	33.86%	37.6%	38.21%	28.01%	23.08%	17.04%	17.99%	15.46%	33.48%
Total Net Revenue	2.92B	2.73B	2.45B	2.27B	1.96B	1.71B	1.64B	1.46B	1.32B	1.15B	1.04B	907.65M	807.43M	767.95M	733.97M	609.27M	559.76M	470.42M	340.48M	335.11M	336.26M	306.49M	238.62M	193.08M	158.8M	102.81M	79.31M	57.54M	44.88M	31.7M	22.4M
Revenue Growth %	10.32%	11.23%	7.87%	16.13%	14.34%	4.07%	12.67%	10.81%	14.82%	10.42%	14.42%	12.41%	5.14%	4.63%	20.47%	8.84%	18.99%	38.16%	1.6%	-0.34%	9.71%	28.45%	23.58%	21.59%	54.46%	29.64%	37.82%	28.23%	41.56%	41.52%	-
Non-Interest Expense	1.56B	1.51B	1.4B	1.31B	1.18B	1.13B	1.04B	925.21M	821.82M	727.06M	672.63M	622.95M	540.47M	497.47M	477.4M	378.6M	334.29M	184.98M	252.39M	236.41M	224.96M	194.87M	151.43M	122.74M	105.98M	65.78M	57.8M	39.68M	35.88M	27.3M	22.8M
Efficiency Ratio	53.36%	55.47%	57.23%	57.77%	60.17%	66.19%	63.26%	63.41%	62.41%	63.4%	64.77%	68.63%	66.94%	64.78%	65.04%	62.14%	59.72%	39.32%	74.13%	70.55%	66.9%	63.58%	63.46%	63.57%	66.74%	63.98%	72.89%	68.95%	79.94%	86.12%	101.79%
Operating Income	1.26B	1.12B	947.09M	845.08M	700.55M	637.8M	389.78M	480.1M	460.13M	390M	331.85M	251.76M	246.43M	224.44M	180.13M	128.03M	100.81M	117.5M	30.64M	83.82M	104.24M	104.95M	80.89M	59.34M	42.49M	29.13M	16.45M	14.15M	4.7M	1M	-2.3M
Operating Margin %	43.01%	41.03%	38.64%	37.2%	35.81%	37.27%	23.71%	32.9%	34.94%	34.01%	31.95%	27.74%	30.52%	29.23%	24.54%	21.01%	18.01%	24.98%	9%	25.01%	31%	34.24%	33.9%	30.73%	26.76%	28.33%	20.74%	24.59%	10.47%	3.15%	-10.27%
Operating Income Growth %	-	18.09%	12.07%	20.63%	9.84%	63.63%	-18.81%	4.34%	17.98%	17.52%	31.81%	2.16%	9.8%	24.6%	40.69%	27.01%	-14.21%	283.49%	-63.45%	-19.59%	-0.68%	29.75%	36.3%	39.65%	45.89%	77.1%	16.23%	201.09%	370%	143.48%	-
Pretax Income	1.25B	1.12B	947.09M	845.08M	700.55M	637.8M	389.78M	480.1M	460.13M	390M	331.85M	251.76M	246.43M	224.44M	180.13M	128.03M	100.81M	117.5M	30.64M	83.82M	104.24M	104.95M	80.89M	59.34M	42.49M	29.13M	16.45M	14.15M	4.7M	1M	-2.3M
Pretax Margin %	42.66%	41.03%	38.64%	37.2%	35.81%	37.27%	23.71%	32.9%	34.94%	34.01%	31.95%	27.74%	30.52%	29.23%	24.54%	21.01%	18.01%	24.98%	9%	25.01%	31%	34.24%	33.9%	30.73%	26.76%	28.33%	20.74%	24.59%	10.47%	3.15%	-10.27%
Income Tax	324.3M	294.56M	252.04M	222.46M	190.87M	171.65M	96.79M	124.4M	116.97M	132.31M	124.98M	95.02M	95.03M	87.23M	68.94M	50.46M	37.48M	44.44M	10.15M	28.17M	37.75M	37.93M	29.55M	21.23M	14.62M	10.44M	5.29M	4.72M	-1.5M	-3.8M	-1.3M
Effective Tax Rate %	26%	26.34%	26.61%	26.32%	27.25%	26.91%	24.83%	25.91%	25.42%	33.93%	37.66%	37.74%	38.56%	38.87%	38.27%	39.41%	37.18%	37.82%	33.14%	33.61%	36.21%	36.14%	36.54%	35.77%	34.4%	35.83%	32.18%	33.38%	-31.91%	-380%	56.52%
Net Income	923.16M	823.84M	695.04M	622.63M	509.68M	466.15M	292.99M	355.7M	343.17M	257.68M	206.88M	156.75M	151.4M	137.21M	111.2M	77.58M	63.33M	73.07M	20.49M	55.65M	66.49M	67.02M	51.33M	38.12M	27.88M	18.44M	11.15M	9.43M	6.2M	4.8M	-1M
Net Margin %	31.57%	30.22%	28.36%	27.4%	26.05%	27.24%	17.82%	24.38%	26.06%	22.47%	19.92%	17.27%	18.75%	17.87%	15.15%	12.73%	11.31%	15.53%	6.02%	16.61%	19.77%	21.87%	21.51%	19.74%	17.55%	17.93%	14.07%	16.38%	13.82%	15.14%	-4.46%
Net Income Growth %	17.42%	18.53%	11.63%	22.16%	9.34%	59.1%	-17.63%	3.65%	33.17%	24.56%	31.98%	3.53%	10.34%	23.39%	43.34%	22.5%	-13.33%	256.64%	-63.19%	-16.3%	-0.78%	30.55%	34.67%	36.75%	51.17%	65.3%	18.33%	52.05%	29.17%	580%	-
Net Income (Continuing)	923.16M	823.84M	695.04M	622.63M	509.68M	466.15M	292.99M	355.7M	343.17M	257.68M	206.88M	156.75M	151.4M	137.21M	111.2M	77.58M	63.33M	73.07M	20.49M	55.65M	66.49M	67.02M	51.33M	38.12M	27.88M	18.69M	11.15M	9.43M	6.2M	4.8M	-1M
EPS (Diluted)	13.50	11.56	10.31	9.58	8.02	7.58	4.68	6.03	5.86	4.40	3.66	2.93	2.98	2.75	2.31	1.67	1.02	2.18	0.76	2.24	2.56	2.75	2.34	1.98	1.60	1.27	0.83	0.73	0.49	0.40	-0.11
EPS Growth %	21.12%	12.12%	7.62%	19.45%	5.8%	61.97%	-22.39%	2.9%	33.18%	20.22%	24.91%	-1.68%	8.36%	19.05%	38.32%	63.73%	-53.21%	186.84%	-66.07%	-12.5%	-6.91%	17.52%	18.18%	23.75%	25.98%	53.01%	13.7%	48.98%	22.5%	463.64%	-
EPS (Basic)	-	11.58	10.47	9.72	8.14	7.69	4.72	6.11	5.95	4.53	3.83	3.05	3.12	3.33	2.81	2.08	1.08	2.23	0.78	2.31	2.66	2.89	2.49	2.11	1.71	1.34	0.85	0.76	0.51	0.41	-0.11
Diluted Shares Outstanding	68.38M	67.65M	64.7M	62.09M	60.09M	57.79M	58.02M	57.62M	57.21M	56.69M	54.27M	51.94M	50.84M	49.95M	48.03M	43.99M	31.57M	26.34M	24.13M	24.89M	25.93M	24.34M	21.97M	19.25M	17.42M	14.52M	13.39M	12.86M	12.57M	12M	9.2M

Key Metrics

Growth RegimeExpanding

ProfitabilityStrong

Balance SheetHealthy

Cash FlowRobust

Top Statement Risk

Deposit cost sensitivity

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q1)

Sustained Net Interest Income Expansion

According to recent financial disclosures, Wintrust's net interest income grew to $579.0 million in 2026Q1, reflecting a consistent upward trajectory from $464.2 million in 2024Q1, as the firm successfully leveraged its commercial lending footprint to offset the broader industry headwinds of rising funding costs.

The steady growth in NII suggests that Wintrust's decentralized community banking model effectively captures local deposit share, providing a stable funding base for its higher-yielding specialty finance assets. Investors should monitor whether this momentum can persist if deposit betas continue to compress the spread between asset yields and funding costs.

Operational Efficiency Amidst Branch Expansion

As reported in quarterly filings, Wintrust maintained an efficiency ratio of 36.0% in 2026Q1, demonstrating disciplined cost management despite the structural overhead inherent in its extensive physical branch network and ongoing strategic expansion into new geographic markets like Florida and Southern Wisconsin.

The bank's ability to keep the efficiency ratio within a tight 35-36% range over the last several quarters indicates effective control over non-interest expenses. This suggests that the firm is successfully scaling its centralized back-office infrastructure to support growth without allowing administrative costs to outpace revenue generation.

Provisioning Reflects Prudent Credit Management

Based on the latest income statement data, Wintrust recorded a provision for loan losses of $29.6 million in 2026Q1, a figure that appears to reflect a cautious approach to credit risk management in light of the current macroeconomic uncertainty facing the Chicago middle-market.

The fluctuation in provision expense, which peaked at $42.9 million in 2023Q4, suggests that management is actively adjusting reserves to align with evolving CECL requirements and potential credit deterioration. This proactive provisioning strategy warrants further investigation to determine if it signals an anticipation of localized economic stress.

Diversified Fee Income Quality Assessment

Financial statements indicate that non-interest income reached $134.1 million in 2026Q1, representing 12.6% of total revenue, a contribution that highlights the importance of the firm's wealth management and specialty finance fee streams in diversifying earnings beyond traditional interest-based activities.

While fee income remains a smaller component of the total revenue mix, its stability provides a necessary buffer against the volatility of mortgage origination volumes. The reliance on these non-interest sources appears to be a strategic hedge, though investors should monitor the sensitivity of these fees to broader capital market conditions.

WTFC — Frequently Asked Questions

Quick answers to the most common questions about buying WTFC stock.

What was Wintrust Financial Corporation's (WTFC) revenue in 2025?

For fiscal year 2025, Wintrust Financial Corporation (WTFC) reported total revenue of $2.73B. This represents a 12069.7% increase compared to $22.4M in 1996.

Is Wintrust Financial Corporation (WTFC) profitable?

Wintrust Financial Corporation (WTFC) is profitable, generating $823.8M in net income for the fiscal year ending 2025 with a net profit margin of 30.2%.

What is Wintrust Financial Corporation's operating profit margin?

Wintrust Financial Corporation (WTFC) reported an operating income of $1.12B, resulting in an operating profit margin of 41.0%. This margin reflects the operational efficiency of the business before interest and taxes.

What is Wintrust Financial Corporation's gross profit and gross margin?

Wintrust Financial Corporation (WTFC) generated $2.63B in gross profit for the year, representing a gross profit margin of 96.5%. This demonstrates the company's core pricing power and production efficiency.