For the year ending 2025-12-31, WTFC made $79,091K in revenue. $774,154K in net income. Net profit margin of 978.81%.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Service charges on deposit accounts | 79,091 | 65,651 | ||
| Wealth management | 147,416 | 146,227 | ||
| Mortgage banking | 90,775 | 93,213 | ||
| Gains (losses) on investment securities, net | 8,323 | -2,602 | ||
| Fees from covered call options | 20,681 | 10,196 | ||
| Trading gains, net | 2 | 504 | ||
| Operating lease income, net | 62,284 | 58,710 | ||
| Other | 93,368 | 116,426 | ||
| Total non-interest income | 501,940 | 488,325 | ||
| Interest and fees on loans | 3,220,993 | 3,043,354 | ||
| Mortgage loans held-for-sale | 19,482 | 21,436 | ||
| Interest-bearing deposits with banks | 133,265 | 115,253 | ||
| Federal funds sold and securities purchased under resale agreements | 607 | 366 | ||
| Investment securities | 331,956 | 276,115 | ||
| Trading account securities | 11 | 48 | ||
| Federal home loan bank and federal reserve bank stock | 21,641 | 20,060 | ||
| Brokerage customer receivables | 78 | 965 | ||
| Total interest income | 3,728,033 | 3,477,597 | ||
| Interest on deposits | 1,341,727 | 1,343,642 | ||
| Interest on federal home loan bank advances | 103,580 | 99,149 | ||
| Interest on other borrowings | 26,592 | 34,480 | ||
| Interest on subordinated notes | 14,903 | 18,117 | ||
| Interest on junior subordinated debentures | 17,179 | 19,674 | ||
| Total interest expense | 1,503,981 | 1,515,062 | ||
| Net interest income | 2,224,052 | 1,962,535 | ||
| Provision for credit losses | 95,553 | 101,047 | ||
| Net interest income after provision for credit losses | 2,128,499 | 1,861,488 | ||
| Salaries and employee benefits | 873,292 | 817,108 | ||
| Software and equipment | 142,362 | 122,794 | ||
| Operating lease equipment | 42,671 | 42,298 | ||
| Occupancy, net | 81,920 | 79,213 | ||
| Data processing | 46,522 | 39,736 | ||
| Advertising and marketing | 63,852 | 61,812 | ||
| Professional fees | 34,032 | 40,637 | ||
| Amortization of other acquisition-related intangible assets | 21,393 | 12,095 | ||
| Fdic insurance | 43,877 | 46,118 | ||
| Oreo expense, net | -3,572 | 408 | ||
| Other | 158,539 | 141,321 | ||
| Total non-interest expense | 1,512,032 | 1,402,724 | ||
| Income before taxes | 1,118,407 | 947,089 | ||
| Income tax expense | 294,563 | 252,044 | ||
| Net income | 823,844 | 695,045 | ||
| Preferred stock dividends | 35,644 | 27,964 | ||
| Less preferred stock redemption | 14,046 | - | ||
| Net income applicable to common shares | 774,154 | 667,081 | ||
| Basic EPS | 11.57 | 10.47 | ||
| Diluted EPS | 11.4 | 10.31 | ||
| Basic Average Shares | 66,896,000 | 63,685,000 | ||
| Diluted Average Shares | 67,894,000 | 64,701,000 | ||
WINTRUST FINANCIAL CORP (WTFC)
WINTRUST FINANCIAL CORP (WTFC)