Wintrust Financial Corporation (WTFC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 579.02M | 583.87M | 567.01M | 546.69M | 526.47M | 525.15M | 502.58M | 470.61M | 464.19M | 469.97M | 462.36M | 447.54M | 458M | 456.82M | 401.45M | 337.8M | 299.29M | 295.98M | 287.5M | 279.59M |
| NII Growth % | 9.98% | 11.18% | 12.82% | 16.17% | 13.42% | 11.74% | 8.7% | 5.16% | 1.35% | 2.88% | 15.17% | 32.48% | 53.03% | 54.34% | 39.64% | 20.82% | 14.28% | 14.1% | 12.33% | 6.26% |
| Net Interest Margin % | 0.8% | 0.82% | 0.81% | 0.79% | 0.8% | 0.81% | 0.79% | 0.79% | 0.81% | 0.84% | 0.83% | 0.82% | 0.87% | 0.86% | 0.77% | 0.66% | 0.6% | 0.59% | 0.6% | 0.6% |
| Interest Income | 927.56M | 956.33M | 963.83M | 920.91M | 886.97M | 913.5M | 908.6M | 849.98M | 805.51M | 793.85M | 762.4M | 697.18M | 639.69M | 580.75M | 466.48M | 371.97M | 328.25M | 327.98M | 322.46M | 319.58M |
| Interest Expense | 348.54M | 372.45M | 396.82M | 374.21M | 360.49M | 388.35M | 406.02M | 379.37M | 341.32M | 323.87M | 300.04M | 249.64M | 181.69M | 123.93M | 65.03M | 34.16M | 28.96M | 32M | 34.96M | 39.99M |
| Loan Loss Provision | 29.59M | 27.59M | 21.77M | 22.23M | 23.97M | 16.98M | 22.33M | 40.06M | 21.69M | 42.91M | 19.92M | 28.51M | 23.05M | 47.65M | 6.42M | 20.42M | 4.11M | 9.3M | -7.92M | -15.3M |
| Non-Interest Income | 134.14M | 130.39M | 130.83M | 124.09M | 116.64M | 113.54M | 113.15M | 121.15M | 140.45M | 100.83M | 112.48M | 113.03M | 107.77M | 96.34M | 101.48M | 102.94M | 162.78M | 132.91M | 136.47M | 129.37M |
| Non-Interest Income % | 12.63% | 12% | 11.95% | 11.87% | 11.62% | 11.06% | 11.07% | 12.47% | 14.85% | 11.27% | 12.86% | 13.95% | 14.42% | 14.23% | 17.87% | 21.68% | 33.15% | 28.84% | 29.74% | 28.82% |
| Total Revenue | 1.06B | 1.09B | 1.09B | 1.04B | 1B | 1.03B | 1.02B | 971.13M | 945.97M | 894.68M | 874.88M | 810.21M | 747.46M | 677.08M | 567.96M | 474.91M | 491.03M | 460.88M | 458.93M | 448.95M |
| Revenue Growth % | 5.79% | 5.81% | 7.14% | 7.61% | 6.09% | 14.8% | 16.79% | 19.86% | 26.56% | 32.14% | 54.04% | 70.6% | 52.22% | 46.91% | 23.76% | 5.78% | -0.02% | -1.01% | -4.58% | -8.58% |
| Non-Interest Expense | 382.63M | 384.45M | 380.03M | 381.46M | 366.09M | 368.63M | 360.69M | 340.35M | 333M | 362.65M | 330.06M | 320.62M | 299.17M | 310.34M | 296.47M | 288.67M | 284.29M | 282.54M | 282.14M | 280.11M |
| Efficiency Ratio | 36.04% | 35.38% | 34.72% | 36.5% | 36.48% | 35.89% | 35.3% | 35.05% | 35.2% | 40.53% | 37.73% | 39.57% | 40.02% | 45.83% | 52.2% | 60.78% | 57.9% | 61.3% | 61.48% | 62.39% |
| Operating Income | 300.94M | 302.22M | 296.04M | 267.09M | 253.06M | 253.08M | 232.71M | 211.34M | 249.96M | 165.24M | 224.86M | 211.43M | 243.55M | 195.17M | 200.04M | 131.66M | 173.68M | 137.04M | 149.74M | 144.15M |
| Operating Margin % | 28.35% | 27.81% | 27.04% | 25.56% | 25.21% | 24.64% | 22.78% | 21.76% | 26.42% | 18.47% | 25.7% | 26.1% | 32.58% | 28.83% | 35.22% | 27.72% | 35.37% | 29.74% | 32.63% | 32.11% |
| Operating Income Growth % | 18.92% | 19.42% | 27.22% | 26.38% | 1.24% | 53.16% | 3.49% | -0.04% | 2.63% | -15.34% | 12.41% | 60.59% | 40.23% | 42.42% | 33.59% | -8.66% | -16.04% | 1.73% | 9.07% | 369.5% |
| Pretax Income | 300.94M | 302.22M | 296.04M | 267.09M | 253.06M | 253.08M | 232.71M | 211.34M | 249.96M | 165.24M | 224.86M | 211.43M | 243.55M | 195.17M | 200.04M | 131.66M | 173.68M | 137.04M | 149.74M | 144.15M |
| Pretax Margin % | 28.35% | 27.81% | 27.04% | 25.56% | 25.21% | 24.64% | 22.78% | 21.76% | 26.42% | 18.47% | 25.7% | 26.1% | 32.58% | 28.83% | 35.22% | 27.72% | 35.37% | 29.74% | 32.63% | 32.11% |
| Income Tax | 73.55M | 79.2M | 79.79M | 71.56M | 64.02M | 67.72M | 62.71M | 58.95M | 62.66M | 41.76M | 60.66M | 56.68M | 63.35M | 50.36M | 57.08M | 37.15M | 46.29M | 38.29M | 40.6M | 39.04M |
| Effective Tax Rate % | 24.44% | 26.21% | 26.95% | 26.79% | 25.3% | 26.76% | 26.95% | 27.9% | 25.07% | 25.27% | 26.98% | 26.81% | 26.01% | 25.8% | 28.53% | 28.21% | 26.65% | 27.94% | 27.12% | 27.08% |
| Net Income | 227.39M | 223.02M | 216.25M | 195.53M | 189.04M | 185.36M | 170M | 152.39M | 187.29M | 123.48M | 164.2M | 154.75M | 180.2M | 144.82M | 142.96M | 94.51M | 127.39M | 98.76M | 109.14M | 105.11M |
| Net Margin % | 21.42% | 20.52% | 19.76% | 18.71% | 18.84% | 18.05% | 16.64% | 15.69% | 19.8% | 13.8% | 18.77% | 19.1% | 24.11% | 21.39% | 25.17% | 19.9% | 25.94% | 21.43% | 23.78% | 23.41% |
| Net Income Growth % | 20.29% | 20.32% | 27.21% | 28.31% | 0.93% | 50.11% | 3.53% | -1.53% | 3.94% | -14.73% | 14.86% | 63.73% | 41.45% | 46.64% | 30.99% | -10.08% | -16.82% | -2.42% | 1.7% | 385.29% |
| Net Income (Continuing) | 227.39M | 223.02M | 216.25M | 195.53M | 189.04M | 185.36M | 170M | 152.39M | 187.29M | 123.48M | 164.2M | 154.75M | 180.2M | 144.82M | 142.96M | 94.51M | 127.39M | 98.76M | 109.14M | 105.11M |
| EPS (Diluted) | 3.22 | 3.30 | 2.79 | 2.78 | 2.69 | 2.63 | 2.47 | 2.32 | 2.89 | 1.87 | 2.53 | 2.38 | 2.80 | 2.23 | 2.21 | 1.49 | 2.07 | 1.58 | 1.77 | 1.70 |
| EPS Growth % | 19.7% | 25.48% | 12.96% | 19.83% | -6.92% | 40.64% | -2.37% | -2.52% | 3.21% | -16.14% | 14.48% | 59.73% | 35.27% | 41.14% | 24.86% | -12.35% | -18.5% | -3.07% | 5.99% | 400% |
| EPS (Basic) | 3.26 | 3.21 | 2.82 | 2.82 | 2.73 | 2.68 | 2.51 | 2.35 | 2.93 | 1.90 | 2.57 | 2.41 | 2.84 | 2.27 | 2.24 | 1.51 | 2.11 | 1.61 | 1.79 | 1.72 |
| Diluted Shares Outstanding | 68.1M | 67.65M | 67.65M | 67.65M | 67.65M | 67.72M | 65.94M | 62.77M | 62.41M | 62.4M | 62.18M | 62.09M | 61.82M | 61.87M | 61.58M | 58.84M | 58.06M | 58M | 57.75M | 57.77M |