For the quarter ending 2026-03-31, WTFCN had $75,781K increase in cash & cash equivalents over the period.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 |
|---|---|---|---|
| Net income | 227,388 | 223,024 | 600,820 |
| Provision for credit losses | 29,594 | 27,588 | 67,965 |
| Depreciation, amortization and accretion, net | 29,927 | 29,873 | 88,905 |
| Deferred income tax expense (benefit) | - | 44,841 | - |
| Stock-based compensation expense | 11,324 | 10,905 | 30,646 |
| Accretion of discount on securities, net | 7,734 | 6,175 | 4,412 |
| Amortization (accretion) of discount and deferred fees on loans, net | -14,143 | 4,652 | 15,092 |
| Mortgage servicing rights fair value changes | 207 | 5,065 | 29,684 |
| Non-designated derivatives fair value changes, net | -1,511 | -2,925 | 9,065 |
| Originations and purchases of mortgage loans held-for-sale | 593,993 | 797,193 | 1,785,392 |
| Early buy-out exercises of mortgage loans held-for-sale guaranteed by u.s. government agencies, net of subsequent paydowns or payoffs | 23,205 | 18,445 | 15,773 |
| Proceeds from sales of mortgage loans held-for-sale | 568,725 | 800,853 | 1,785,096 |
| Bank owned life insurance (boli) gains | 948 | 1,915 | 4,644 |
| Decrease in trading securities, net | 0 | 0 | -4,072 |
| Decrease in brokerage customer receivables, net | 0 | 0 | -18,102 |
| Gains on mortgage loans sold | 17,706 | 15,301 | 49,990 |
| Gains on premium financing receivables sold | - | 0 | 0 |
| Losses (gains) on investment securities, net, and dividend reinvestment on equity securities | -31 | 1,505 | 6,818 |
| Losses on sales of premises and equipment, net | -56 | -20 | -418 |
| (gains) losses on sales and fair value adjustments of other real estate owned, net | 167 | -1,762 | -816 |
| Decrease in accrued interest receivable and other assets, net | -823,271 | 128,726 | -59,739 |
| Decrease in accrued interest payable and other liabilities, net | -135,241 | 78,715 | -136,388 |
| Net cash provided by operating activities | 927,183 | 251,659 | 658,689 |
| Proceeds from calls and sales of available-for-sale securities | - | 982,173 | 705,703 |
| Proceeds from payments and maturities of available-for-sale securities | 204,357 | 238,208 | 402,735 |
| Proceeds from payments, maturities and calls of held-to-maturity securities | 73,537 | 94,442 | 174,383 |
| Proceeds from sales of equity securities with readily determinable fair value | 0 | 0 | 226,542 |
| Proceeds from sales and capital distributions of equity securities without readily determinable fair value | 646 | 1,421 | 0 |
| Purchases of available-for-sale securities | 1,264,988 | 2,021,962 | 3,040,628 |
| Purchases of held-to-maturity securities | - | 0 | - |
| Purchases of equity securities with readily determinable fair value | 300 | 0 | 63,413 |
| Purchases of equity securities without readily determinable fair value | 964 | 70 | 1,682 |
| Purchases of federal home loan bank and federal reserve bank stock, net | 163 | 9,126 | 1,348 |
| Distributions from investments in partnerships, net | -1,430 | -2,569 | 13,422 |
| Net cash received (paid) in business combinations | - | 0 | 0 |
| Proceeds from sales of premium financing receivables, net | - | 0 | 0 |
| Proceeds from sales of other real estate owned | 4,760 | 2,141 | 0 |
| Decrease in interest-bearing deposits with banks, net | 126,618 | 243,694 | 994,409 |
| Increase in loans, net | 998,702 | 1,018,426 | 4,017,366 |
| Redemption of boli | 2 | 351 | 0 |
| Purchases of premises and equipment, net | - | 49,951 | - |
| (purchases) sales of premises and equipment, net | 13,711 | - | -26,921 |
| Net cash used for investing activities | -1,866,977 | -1,507,615 | -4,661,008 |
| Increase in deposit accounts, net | 1,197,191 | 1,005,810 | 4,199,032 |
| Decrease in other borrowings, net | -133,343 | -107,360 | 33,753 |
| Increase in federal home loan bank advances, net | - | 300,000 | 0 |
| Cash payments to settle contingent consideration liabilities recognized in business combinations | - | 0 | - |
| Proceeds from the issuance of preferred stock, net | - | 0 | 414,148 |
| Repayment of subordinated notes | - | 0 | 0 |
| Redemption of preferred stock | - | 0 | 412,500 |
| Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan | 1,907 | 1,833 | 5,387 |
| Common stock repurchases for tax withholdings related to stock-based compensation | 4,814 | 6 | 2,997 |
| Dividends paid | 45,366 | 41,852 | 127,571 |
| Net cash provided by financing activities | 1,015,575 | 1,158,425 | 4,109,252 |
| Net increase in cash and cash equivalents | 75,781 | -97,531 | 106,933 |
| Cash and cash equivalents at beginning of period | 467,938 | 565,469 | 458,536 |
| Cash and cash equivalents at end of period | 543,719 | 467,938 | 565,469 |
WINTRUST FINANCIAL CORP (WTFCN)
WINTRUST FINANCIAL CORP (WTFCN)