Wintrust Financial Corporation

WTFC

$153.78

+0.17%

N/A+$0.26

Financial Services

Banks - Regional

NASDAQ

Active Trading

Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty ...

Financial Highlights of WTFC

Profitability trend

Latest / TTM · 6 periods

Gross Margin

63.6%

Net Margin

20.7%

P/E Ratio

12.16x

n/a

Debt / Equity

0.58

n/a

Current Ratio

0.26

Dividend Yield

1.4%

Understanding

TTM —

Current ratio below 1.0

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

63.6%

Net Margin

20.7%

P/E Ratio

12.16x

Debt / Equity

0.58

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	95.1%	85.0%	64.8%	59.3%	62.2%	—
Operating MarginOperating income as a percentage of revenue.	34.3%	31.7%	25.4%	23.9%	26.4%	—
Net MarginNet income as a percentage of revenue.	25.0%	23.1%	18.7%	17.5%	19.5%	—
EBITDA MarginEBITDA divided by revenue.	39.7%	35.4%	27.9%	26.4%	28.5%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	34.3%	31.7%	25.4%	23.9%	26.4%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.18	0.14	0.14	0.17	0.14	—
Quick RatioLiquid assets divided by current liabilities.	0.18	0.14	0.14	0.17	0.14	—
Cash RatioCash and equivalents divided by current liabilities.	0.13	0.06	0.05	0.09	0.01	—
Debt / AssetsDebt as a share of total assets.	4.8%	6.8%	6.5%	6.5%	6.3%	—
Debt / EquityDebt compared with shareholder equity.	0.54	0.75	0.68	0.67	0.62	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	71.41x	2.35x	4.74x	219.09x	0.00x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.08x	0.20x	0.65x	0.00x	0.00x	—
Asset TurnoverRevenue generated per dollar of assets.	0.04x	0.04x	0.06x	0.06x	0.06x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.06x	-0.06x	-0.08x	-0.09x	-0.10x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	11.81x	10.38x	9.54x	11.91x	12.07x	—
P/B RatioPrice paid for each dollar of book value.	1.15x	1.04x	1.05x	1.25x	1.29x	—
P/S RatioPrice paid for each dollar of sales.	2.78x	2.27x	1.70x	2.00x	2.21x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	4.82x	3.79x	8.13x	12.50x	10.88x	—
Dividend YieldAnnual dividend divided by current share price.	1.9%	2.2%	2.2%	1.8%	1.8%	—

Upstream

LPL Financial Holdings Inc.NASDAQ:LPLA AT&T Inc.NYSE:TSupernova TechnologyFiserv, Inc.NYSE:FI Jack Henry & Associates, Inc.NASDAQ:JKHY

Downstream

Retail Banking ConsumersSmall-to-Medium Businesses (SMBs)Middle-Market Commercial ClientsInsurance Agencies & BrokeragesHigh-Net-Worth IndividualsLPL Financial Holdings Inc.NASDAQ:LPLAEquipment Finance & Leasing ClientsMunicipal & Government Entities

Proxies

Old National BancorpNASDAQ:ONB Associated Banc-CorpNYSE:ASB Huntington Bancshares IncorporatedNASDAQ:HBANFirst Midwest Bancorp (now merged into Old National)Unconfirmed

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Wintrust Financial Corporation

Financial Highlights of WTFC

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of WTFC

Upstream

Downstream

Proxies

Financial Highlights of WTFC

Financial highlights

Snapshot

Profitability

Liquidity & leverage

Operating efficiency

Valuation ratios

Supply Chain of WTFC

Upstream

Downstream

Proxies