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Wintrust Financial (WTFC) Annual Cash Flow Statement

Annual · GAAP · USD millions
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Tracking cash flow results across Wintrust Financial to Dec 31 2021 helps illustrate how Dec 31 2025's cash generation has responded to changing business conditions.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
12 Months 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Operating Activities
Income823.84
Depreciation & amortization118.78
Amortization of Other Assets0.00
Extraordinary Item, Gain (Loss), Insurance Assets, Accretion Expense0.00
Mortgage Servicing Rights (MSR) Impairment (Recovery)34.75
Provision For Loan Losses Expensed95.55
Inventories Decrease /-Increase0.00
R & D, Environmental and Other Expense0.00
Gain (Loss) on Disposition of Property Plant Equipment0.44
Share-based Compensation41.55
Income (Loss) from Equity Method Investments0.00
Financial Instruments and Foreign Currency Transaction-2,647.88
Employee Service Share Based Compensation Tax Benefit From Compensation Expense-
Mortgage Servicing Rights Fair Value Change And Amortization Net-
Origination And Purchases Of Mortgage Banking Assets-
Bank Owned Life Insurance Income-
Available For Sale Securities Gross Realized Gain Loss Net-
Increase Decrease In Accrued Interest Receivable And Other Assets Net-
Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation-
Bank Owned Life Insurance Net Of Claims-
Accretion Amortization Of Discount Premium On Loans-
Servicing Asset At Fair Value Period Increase Decrease-
Gains Losses On Sales Of Other Real Estate2.58
Accretion Amortization Of Discounts And Premiums On Loans-19.74
Derivative Gain Loss On Derivative Net-6.14
Gain Loss On Bank Owned Life Insurance Net Of Claims-6.56
Income taxes44.84
Gain (Loss) on Investments-4.25
Increase (Decrease) in Broker-Dealer Related Receivables (Payables), Net18.10
Accounts Payable0.00
Accrued Expense0.00
Deferred Revenue and Customer Advances and Deposits0.00
Increase (Decrease) in Deferred Income Taxes0.00
Other Working Capital-126.66
Other Noncash Income (Expense)0.00
Other net0.00
Payments for (Proceeds from) Other Operating Activities2,541.14
Discontinued operations0.00
Net Cash flow from Operating Activities910.35
Investing Activities
Capital Expenditures-49.95
Sale of Capital Items0.00
Payments for (Proceeds from) Limited Partnership-10.85
Short-term Investments Acq.-4,899.46
Proceeds from Sale of Foreclosed Assets2.14
Proceeds From Sales And Securitizations Of Premium Finance Receivables-
Proceeds Received From Fdic Related To Reimbursements On Covered Assets-
Sale Of Operations-
F D I C Indemnification Asset Cash Payments Received-
Proceeds From Maturities Of Held To Maturity Securities-
Proceeds From Calls Of Held To Maturity Securities-
Purchase Redemption Of Federal Home Loan Bank And Federal Reserve Bank Stock Net-
Paymentsto Acquire Equity Securities with Readily Determinable Fair Value-
Paymentsto Acquire Equity Securitieswithout Readily Determinable Fair Value-
Proceeds from Sales and Capital Distributions of Equity Securities Without Readily Determinable Fair Value-
Proceeds From Sales And Capital Distributions Of Equity Securities Without Readily Determinable Fair Value-
Payments To Acquire Equity Securities Without Readily Determinable Fair Value-1.75
Proceeds From Maturities Of Debt Securities Available For Sale640.94
Proceeds Payments Of Of Property Plant And Equipment Net-
Restricted Cash and Investments Increase (Decrease)0.00
Payments for (Proceeds from) Loans and Leases-5,035.79
Payments for (Proceeds from) Deposits0.00
Payments for (Proceeds from) Other Investments0.00
Payments for (Proceeds from) Federal Home Loan Bank Stock0.00
Payments to Acquire Businesses, Net of Cash Acquired0.00
Proceeds from Equity Method Investment, Dividends or Distributions, Return of Capital0.00
Proceeds from Divestiture of Businesses, Net of Cash Divested0.00
Accounts payable0.00
Receivables0.00
Payments for (Proceeds from) Other Investing Activities1,238.45
Other Net1,947.65
Discontinued operations0.00
Net Cash Flow from Investing Activities-6,168.62
Financing Activities
Short-term debt Net0.00
Other borrowing transactions0.00
Long-term debt - borrowings-73.61
Long-term debt - repayments0.00
Proceeds from Federal Home Loan Bank Borrowings0.00
Issuances / -repurchases of Comm. Stock0.00
Partnership and Parent Transactions0.00
Issuances / -repurchases of Pref. Stock1.65
Increase (Decrease) in Deposits5,204.84
Other financing activities net0.00
Other net297.00
Increase Decrease Of Prepaid Stock Purchase Contracts-
Issuance Of Common Shares Resulting From Exercise Of Stock Options Employee Stock Purchase Plan And Conversion Of Common Stock Warrants-
Proceeds From Borrowings-
Proceeds From Payments To Federal Home Loan Bank Borrowings-
Issuance Of Common Shares Resulting From Exercise Of Stock Options And Employee Stock Purchase Plan-
Issuance Of Common Shares Resulting From Exercise Of Share Based Compensation Awards7.22
Payments of Dividends, Preferred Stock and Preference Stock0.00
Dividends paid-169.42
Net Cash Flow from Financing Activities5,267.68
Effect of exchange rate on cash flow0.00
Discontinued operations0.00
Free Cash Flow860.40
Total Cash Flow9.40
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About Wintrust Financial Corp Annual Cash Flow Statement

What this statement shows

This page presents issuer-reported cash flow data, including operating, investing, financing, net, and free cash flow, as disclosed in SEC 10-K filings and normalized by CSIMarket.

Source & verification

  • Form: 10-K (Period: 20251231)
  • Filed with the SEC: February 26, 2026
  • Source: wtfc-20251231.htm

Last updated

  • Page updated:
  • Data lineage: SEC filings - XBRL extraction - normalization in the CSIMarket.com database.
  • Accession: 0001015328-26-000007

Figures are derived from filed reports and may be restated. Historical data is subject to revision.

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