For the year ending 2025-12-31, WTFC had $9,402K increase in cash & cash equivalents over the period. $860,397K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 823,844 |
| Provision for credit losses | 95,553 |
| Depreciation, amortization and accretion, net | 118,778 |
| Deferred income tax expense (benefit) | 44,841 |
| Stock-based compensation expense | 41,551 |
| (accretion) amortization of premium on securities, net | 10,587 |
| Accretion of discount and deferred fees on loans, net | 19,744 |
| Mortgage servicing rights fair value changes | 34,749 |
| Non-designated derivatives fair value changes, net | 6,140 |
| Originations and purchases of mortgage loans held-for-sale | 2,582,585 |
| Early buy-out exercises of mortgage loans held-for-sale guaranteed by u.s. government agencies, net of subsequent paydowns or payoffs | 34,218 |
| Proceeds from sales of mortgage loans held-for-sale | 2,585,949 |
| Bank owned life insurance (boli) gains | 6,559 |
| Decrease (increase) in trading securities, net | -4,072 |
| Decrease (increase) in brokerage customer receivables, net | -18,102 |
| Gains on mortgage loans sold | 65,291 |
| Gains on premium financing receivables sold | 0 |
| (gains) losses on investment securities, net, and dividend reinvestment on equity securities | 8,323 |
| Losses on sales of premises and equipment, net | -438 |
| Losses (gains) on sales and fair value adjustments of other real estate owned, net | -2,578 |
| Increase in accrued interest receivable and other assets, net | 68,987 |
| (decrease) increase in accrued interest payable and other liabilities, net | -57,673 |
| Net cash provided by operating activities | 910,348 |
| Proceeds from calls and sales of available-for-sale securities | 1,687,876 |
| Proceeds from payments and maturities of available-for-sale securities | 640,943 |
| Proceeds from payments, maturities and calls of held-to-maturity securities | 268,825 |
| Proceeds from sales of equity securities with readily determinable fair value | 226,542 |
| Proceeds from sales and capital distributions of equity securities without readily determinable fair value | 1,421 |
| Purchases of available-for-sale securities | 5,062,590 |
| Purchases of held-to-maturity securities | 0 |
| Purchases of equity securities with readily determinable fair value | 63,413 |
| Purchases of equity securities without readily determinable fair value | 1,752 |
| (purchases) redemptions of fhlb and frb stock, net | 10,474 |
| (contributions to) distributions from investments in partnerships, net | 10,853 |
| Net cash received (paid) in business combinations | 0 |
| Proceeds from sales of premium financing receivables, net | 0 |
| Proceeds from sale of other real estate owned | 2,141 |
| Decrease (increase) in interest-bearing deposits with banks, net | 1,238,103 |
| Increase in loans, net | 5,035,792 |
| Redemption of boli | 351 |
| Purchases of premises and equipment, net | 49,951 |
| Net cash used for investing activities | -6,168,623 |
| Increase in deposit accounts, net | 5,204,842 |
| (decrease) increase in other borrowings, net | -73,607 |
| Increase in federal home loan bank advances, net | 300,000 |
| Cash payments to settle contingent consideration liabilities recognized in business combinations | 0 |
| Proceeds from the issuance of preferred stock, net | 414,148 |
| Repayment of subordinated notes | 0 |
| Redemption of preferred stock | 412,500 |
| Issuance of common shares resulting from exercise of stock options, employee stock purchase plan and director compensation plan | 7,220 |
| Common stock repurchases for tax withholdings related to stock-based compensation | 3,003 |
| Dividends paid | 169,423 |
| Net cash provided by financing activities | 5,267,677 |
| Net increase (decrease) in cash and cash equivalents | 9,402 |
| Cash and cash equivalents at beginning of period | 458,536 |
| Cash and cash equivalents at end of period | 467,938 |
WINTRUST FINANCIAL CORP (WTFC)
WINTRUST FINANCIAL CORP (WTFC)