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Wintrust Financial

American Financial Holding Company

Wintrust is a financial holding company in the United States that operates 15 chartered community banks in northern Illinois and southern Wisconsin. Wintrust is usually classified as a medium-sized banking institution in the United States and it trades on the Nasdaq Global Select Market with stock symbol WTFC. Wintrust is the second largest banking company in Chicago.3 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1991Founded1

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  • TickerWTFC on Nasdaq1
  • Industryfinancial services1
  • HeadquartersRosemont1
  • Websitewww.wintrustmortgage.com
  • Legal formpublic company1
  • Incorporated inIL5
  • Business address9700 West Higgins Road, 8Th Floor, Rosemont, Il 600185
  • Filer categoryLarge accelerated filer5
  • LEIQ774KI4AW80FHFW33O614
  • StatusActive4
  • LEI statusIssued and current4
  • Registered addressC/O Kathleen M Boege, 60018 Rosemont, United States4
  • Registered withBusiness Services (Office of the Secretary of State), 571270234

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Wintrust is a financial holding company in the United States that operates 15 chartered community banks in northern Illinois and southern Wisconsin. Wintrust is usually classified as a medium-sized banking institution in the United States and it trades on the Nasdaq Global Select Market with stock symbol WTFC. Wintrust is the second largest banking company in Chicago.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

310.1%Net margin8
5.9%Revenue growth, 20258
11.3%Return on equity8
$860.4MFree cash flow8

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Asset Management Revenue brought in 37% of the revenue Wintrust Financial broke down this way in fiscal 2025.

  1. Asset Management Revenue$99.6M837%up 2% from 2024
  2. Service Charges On Deposit Accounts Revenue$79.1M830%up 20% from 2024
  3. Trust Revenue$29.1M811%up 12% from 2024
  4. Brokerage And Insurance Product Commissions$18.8M87%down 17% from 2024
  5. Card Related Fee Revenue$16.0M86%down 10% from 2024
  6. Other Deposit Related Fee Revenue$15.1M86%up 10% from 2024
  7. Administrative Services Revenue$5.3M82%down 1% from 2024
  8. Mortgage Broker Fees$2.8M81%up 43% from 2024
Products and services by year
Products and services202320242025
Asset Management Revenue$87.8M$97.7M$99.6M
Service Charges On Deposit Accounts Revenue$55.2M$65.7M$79.1M
Trust Revenue$24.2M$25.9M$29.1M
Brokerage And Insurance Product Commissions$18.6M$22.6M$18.8M
Card Related Fee Revenue$13.8M$17.8M$16.0M
Other Deposit Related Fee Revenue$14.4M$13.8M$15.1M
Administrative Services Revenue$5.6M$5.3M$5.3M
Mortgage Broker Fees$844.0K$1.9M$2.8M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Interest57¢$1.5B
  • Income tax11¢$294.6M
  • Profit31¢$823.8M

Out of $265.6M in revenue.8

Where each dollar of operating cash went, fiscal 2025

  • Capital spending5¢$50.0M
  • Dividends paid19¢$169.4M
  • Kept or used elsewhere76¢$691.0M

Out of $910.3M of cash from operations.8

Financial statements

Revenue91011128$265.6M in 2025+65% since 2019
0$100.0M$200.0M$300.0M2019: $161.5M$161.5M20192020: $170.1M$170.1M2020+5%2021: $207.2M$207.2M2021+22%2022: $217.7M$217.7M2022+5%2023: $220.4M$220.4M2023+1%2024: $250.7M$250.7M2024+14%2025: $265.6M$265.6M2025+6%
Net income91011128$823.8M in 2025+132% since 2019
0$250.0M$500.0M$750.0M$1.0B2019: $355.7M$355.7M20192020: $293.0M$293.0M2020−18%2021: $466.2M$466.2M2021+59%2022: $509.7M$509.7M2022+9%2023: $622.6M$622.6M2023+22%2024: $695.0M$695.0M2024+12%2025: $823.8M$823.8M2025+19%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$3.2B$3.0B$2.5B
Mortgage loans held-for-sale$19.5M$21.4M$16.8M
Interest-bearing deposits with banks$133.3M$115.3M$79.0M
Federal funds sold and securities purchased under resale agreements$607.0K$366.0K$1.8M
Investment securities$332.0M$276.1M$238.6M
Trading account securities$11.0K$48.0K$41.0K
Federal Home Loan Bank and Federal Reserve Bank stock$21.6M$20.1M$14.9M
Brokerage customer receivables$78.0K$965.0K$1.0M
Total interest income$3.7B$3.5B$2.9B
Interest on deposits$1.3B$1.3B$906.5M
Interest on Federal Home Loan Bank advances$103.6M$99.1M$72.3M
Interest on other borrowings$26.6M$34.5M$35.3M
Interest on subordinated notes$14.9M$18.1M$22.0M
Interest on junior subordinated debentures$17.2M$19.7M$19.2M
Total interest expense$1.5B$1.5B$1.1B
Net interest income$2.2B$2.0B$1.8B
Provision for credit losses$95.6M$101.0M$114.4M
Net interest income after provision for credit losses$2.1B$1.9B$1.7B
Wealth management$147.4M$146.2M$130.6M
Mortgage banking$90.8M$93.2M$83.1M
Service charges on deposit accounts$79.1M$65.7M$55.2M
Gains (losses) on investment securities, net$8.3M-$2.6M$1.5M
Fees from covered call options$20.7M$10.2M$21.9M
Trading gains, net$2.0K$504.0K$1.1M
Operating lease income, net$62.3M$58.7M$53.3M
Other$93.4M$116.4M$87.3M
Total non-interest income$501.9M$488.3M$434.1M
Salaries and employee benefits$873.3M$817.1M$748.0M
Software and equipment$142.4M$122.8M$104.6M
Operating lease equipment$42.7M$42.3M$42.4M
Occupancy, net$81.9M$79.2M$77.1M
Data processing$46.5M$39.7M$38.8M
Advertising and marketing$63.9M$61.8M$65.1M
Professional fees$34.0M$40.6M$34.8M
Amortization of other acquisition-related intangible assets$21.4M$12.1M$5.5M
FDIC insurance$43.9M$46.1M$71.1M
OREO expense, net$3.6M-$408.0K-$1.5M
Other$158.5M$141.3M$126.7M
Total non-interest expense$1.5B$1.4B$1.3B
Income before taxes$1.1B$947.1M$845.1M
Income tax expense$294.6M$252.0M$222.5M
Net income$823.8M$695.0M$622.6M
Preferred stock dividends$35.6M$28.0M$28.0M
Less: Preferred stock redemption$14.0M$0$0
Net income applicable to common shares$774.2M$667.1M$594.7M
Net income per common share-Basic (usd per share)$11.57$10.47$9.72
Net income per common share-Diluted (usd per share)$11.40$10.31$9.58
Cash dividends declared per common share (usd per share)$2.00$1.80$1.60
Weighted average common shares outstanding (in shares)66.9M shares63.7M shares61.1M shares
Dilutive potential common shares (in shares)998.0K shares1.0M shares938.0K shares
Average common shares and dilutive common shares (in shares)67.9M shares64.7M shares62.1M shares

Compare Wintrust Financial with another company

Corporate structure

Wintrust Financial sits at the top of its group. 43 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Wintrust Financial

  • VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on Wintrust Financial, latest Apr 30, 2026
  • VANGUARD PORTFOLIO MANAGEMENT LLC Filed SCHEDULE 13G on Wintrust Financial, latest Apr 29, 2026
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on Wintrust Financial, latest Mar 27, 2026 (4 filings since Feb 10, 2022)
  • FMR LLC Filed SCHEDULE 13G/A on Wintrust Financial, latest Aug 6, 2025 (4 filings since Feb 9, 2022)
  • BlackRock Filed SC 13G/A on Wintrust Financial, latest Jan 24, 2024 (4 filings since Feb 1, 2022)
  • Wintrust Financial Rosemont, Illinois, United States
    • Barrington Bank & Trust Company, National Association Subsidiary · Barrington, Illinois, United States
    • Beverly Bank & Trust Company, National Association Subsidiary · Chicago, Illinois, United States
    • Chicago Deferred Exchange Company, LLC Subsidiary · Delaware, United States
    • Community Financial Shares Statutory Trust II Subsidiary · Delaware, United States
    • Crystal Lake Bank and Trust Company, National Association Subsidiary · Crystal Lake, Illinois, United States
    • Elektra Holding Company, LLC Subsidiary · Delaware, United States
    • First Insurance Funding of Canada, Inc. Subsidiary · Canada
    • First Northwest Capital Trust I Subsidiary · Delaware, United States
    • GREAT LAKES ADVISORS, LLC Subsidiary · Chicago, Illinois, United States
      • Great Lakes Advisors, LLC Collective Investment Trust Fund · Chicago, Illinois, United States
      • GREAT LAKES INTERNATIONAL VALUE FUND, LLC Fund · Chicago, Illinois, United States
      • Great Lakes Large Cap Value CIT Fund Fund · Chicago, Illinois, United States
    • Hinsdale Bank & Trust Company, National Association Subsidiary · Hinsdale, Illinois, United States
    • Hyde Park Facilities, Inc. Subsidiary · Illinois, United States
    • Lake Forest Bank & Trust Company, National Association Subsidiary · Lake Forest, Illinois, United States
    • Libertyville Bank & Trust Company, National Association Subsidiary · Libertyville, Illinois, United States
    • Northbrook Bank and Trust Company, National Association Subsidiary · Northbrook, Illinois, United States
    • Northview Capital Trust I Subsidiary · Delaware, United States
    • Old Plank Trail Community Bank, National Association Subsidiary · New Lenox, Illinois, United States
    • Schaumburg Bank & Trust Company, National Association Subsidiary · Chicago, Illinois, United States
    • St. Charles Bank & Trust Company, National Association Subsidiary · St. Charles, Illinois, United States
    • State Bank of the Lakes, National Association Subsidiary · Antioch, Illinois, United States
    • Suburban Illinois Capital Trust II Subsidiary · Delaware, United States
    • Town Bank, National Association Subsidiary · Hartland, Wisconsin, United States
    • Town Bankshares Capital Trust I Subsidiary · Delaware, United States
    • TRICOM, Inc. of Milwaukee Subsidiary · Wisconsin, United States
    • Village Bank and Trust, National Association Subsidiary · Arlington Heights, Illinois, United States
    • WHAMCO Holding Company Subsidiary · Illinois, United States
    • and 14 more

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Wintrust Financial reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$1.3B8 Dec 31, 2025$1.3B8 Dec 31, 2024+3.6%
Accumulated depreciation$551.3M8 Dec 31, 2025$507.7M8 Dec 31, 2024+8.6%
Property and equipment, net$781.6M8 Dec 31, 2025$779.1M8 Dec 31, 2024+0.3%

Investments

ItemLatestA year beforeChange
Debt securities held to maturity$3.3B8 Dec 31, 2025$3.6B8 Dec 31, 2024−7.5%
Equity securities at fair value$63.8M8 Dec 31, 2025$215.4M8 Dec 31, 2024−70.4%
Deposits held (banks)$57.7B8 Dec 31, 2025$52.5B8 Dec 31, 2024+9.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$798.0M8 Dec 31, 2025$796.9M8 Dec 31, 2024+0.1%
Intangible assets, net (excluding goodwill)$98.0M8 Dec 31, 2025$121.7M8 Dec 31, 2024−19.5%
Accumulated amortization$100.2M8 Dec 31, 2025$78.8M8 Dec 31, 2024+27.1%

Properties, in its own words

The Company’s executive offices are located at 9700 W. Higgins Road, Rosemont, Illinois as well as additional nearby corporate office locations at 9701 W. Higgins Road, Rosemont, Illinois and 9801 W. Higgins Road, Rosemont, Illinois. The Company also leases office locations and retail space at 231 S. LaSalle Street in downtown Chicago and at 731 N. Jackson Street in downtown Milwaukee. The Company’s community banking segment operates through 209 banking facilities, the majority of which are owned. The banking facilities are located in communities throughout the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Kent, Ottawa and northern Allegan counties in the state of Michigan, as well as three banking locations in southwest Florida. Excess space in certain properties is leased to third parties. Wintrust Mortgage, also of our banking segment, is headquartered in our corporate headquarters in Rosemont, Illinois and has 28 locations in 12 states, all of which are leased, as well as office locations at several of our banks.

The Company’s wealth management subsidiaries have locations in downtown Chicago, Appleton, Wisconsin, Tampa, Florida, and Stamford, Connecticut, all of which are leased, as well as office locations at several of our banks. FIRST Insurance Funding and Wintrust Life Finance have one location in Northbrook, Illinois which is owned and locations in downtown Newark, New Jersey, Long Island, New York and Newport Beach, California, all of which are leased. FIFC Canada has three locations in Canada that are leased, located in Toronto, Ontario; Wainwright, Alberta; and Vancouver, British Columbia. Wintrust Asset Finance is located in our corporate headquarters in Rosemont, Illinois and has locations in Frisco, Texas, and Irvine, California, all of which are leased. Tricom has one location in Menomonee Falls, Wisconsin which is owned.

Item 2 of the 10-K filed Feb 26, 2026.16

The story

Wintrust was founded by Ed Wehmer. Wintrust was among the recipients of capital from the United States government through the U.S. Treasury's Troubled Asset Relief Program. The bank used the 2008 financial crisis to acquire small troubled banks in the Chicago area, backed by its pre-crisis capital supplemented by TARP funds. This positioned it to become one of the area's largest retail banks by eliminating costs and deepening its geographical footprint in the area. Wintrust Financial continues to expand within its footprint area.

In 2018, Wintrust completed its acquisition of Veterans First Mortgage, a Utah-based corporation with approximately 400 employees.

In May 2019, Wintrust acquired Rush-Oak Corporation, the parent company of Oak Bank, an Illinois state-chartered bank which had approximately $201 million in assets. In October 2019, Wintrust acquired STC Bancshares Corp, the parent company of STC Capital Bank, an Illinois state-chartered bank with approximately $275 million in assets.

In 2021, the Hinsdale Bank, a Wintrust Bank, opened the Oak Park Bank in what had been a restaurant space in a historic building. The Oak Park Bank built a second location, new facility, in the village.

In 2022, Wintrust announced a deal to acquire the U.S. asset management arm of Rothschild & Co, which held around $8 billion in assets under management at the time.

On August 1, 2024, it was announced that Wintrust had completed the merger of its operations with Macatawa Bank Corporation, a company based in Holland, Michigan.

From Wikipedia’s article on Wintrust Financial, shared under CC BY-SA 4.0.6

Leadership

Who has led Wintrust Financial, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Edward J. Wehmer2016–2023
  2. Timothy Crane2023–now

Chair

  1. Edward J. Wehmer2023–2024
  2. Thomas P. Zidar2026–now

President

  1. Edward J. Wehmer2006–2020
  2. Timothy Crane2020–now

Chief financial officer

  1. David L. Stoehr2006–now

Chief operating officer

  1. David A. Dykstra2006–now
1995200020052010201520202025
Board members and other officers (53)

Products and brands

  • retail banking

Listed on Wikidata.1

Services

The company provides traditional retail and commercial banking services, as well as wealth management services, commercial and life insurance premium financing, and certain treasury management services such as data processing of payrolls and billings. In 2015 Wintrust began to expand into equipment financing, both directly through its bank branches and indirectly through dealers.

Subsidiaries

Its major non-bank subsidiaries are:

Great Lakes Advisors, LLC

The Chicago Trust Company

Read the full text

First Insurance Funding

Tricom, Inc.

Wintrust Investments, LLC

Wintrust Information Technology Services Company

Wintrust Mortgage – a division of Barrington Bank & Trust Company N.A.

Marketing

Wintrust is the official banking partner of the Chicago Cubs, which features sponsorship of the left-field Daktronics ProStar video board at Wrigley Field; the "W" in "Wintrust" flashes after every Cubs win, and is lit after wins, as part of the traditional win flag.

Wintrust has also partnered with the Chicago White Sox for the naming rights to club seats at Rate Field.

From Wikipedia’s article on Wintrust Financial, shared under CC BY-SA 4.0.6

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Chicago Deferred Exchange Company, LLC Delaware7
  • Community Financial Shares Statutory Trust II Delaware7
  • Elektra Holding Company, LLC Delaware7
  • First Insurance Funding of Canada, Inc. Canada7
  • First Northwest Capital Trust I Delaware7
  • Great Lakes Advisors, LLC Delaware7
  • Hyde Park Facilities, Inc. Illinois7
  • Northview Capital Trust I Delaware7
  • Suburban Illinois Capital Trust II Delaware7
  • TRICOM, Inc. of Milwaukee Wisconsin7
  • Town Bankshares Capital Trust I Delaware7
  • WHAMCO Holding Company Illinois7
  • Wintrust Asset Finance Inc. Delaware7
  • Wintrust Capital Trust III Delaware7
  • Wintrust Capital Trust IX Delaware7
  • Wintrust Capital Trust VII Delaware7
  • Wintrust Capital Trust VIII Delaware7
  • Wintrust Investments, L.L.C. Delaware7
  • Wintrust NMTC Investment 2, LLC Illinois7
  • Wintrust NMTC Investment Fund-MBL, LLC Illinois7
  • Wintrust NMTC Investment Fund-WHA SoulCity, LLC Illinois7
  • Wintrust NMTC Investment I, LLC Illinois7
  • Wintrust Statutory Trust IV Connecticut7
  • Wintrust Statutory Trust V Connecticut7

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Jul 20, 20268-K Results of operations77
  2. May 29, 20268-K Shareholder vote78
  3. Apr 20, 20268-K Results of operations79
  4. Jan 20, 20268-K Results of operations80
  5. Dec 16, 20258-K Entered a material agreement; New debt or obligation81
  6. Dec 8, 20258-K Entered a material agreement; New debt or obligation82
  7. Oct 20, 20258-K Results of operations83
  8. Oct 2, 20258-K Executive or director change84
  9. Jul 21, 20258-K Results of operations85
  10. Jul 16, 20258-K Change to shareholders' rights; Bylaws or fiscal year changed86
  11. Jun 13, 20258-K Other events87
  12. Jun 13, 20258-K Executive or director change88
  13. May 12, 2023New chief executive Timothy Crane becomes CEO17
  14. Aug 26, 2016New chief executive Edward J. Wehmer becomes CEO18
  15. 1991Founded Founded1

Calendar

When it reported results

  1. Jul 20, 2026Reported quarterly or annual results77
  2. Apr 20, 2026Reported quarterly or annual results79
  3. Jan 20, 2026Reported quarterly or annual results80
  4. Oct 20, 2025Reported quarterly or annual results83
  5. Jul 21, 2025Reported quarterly or annual results85
  6. Apr 21, 2025Reported quarterly or annual results89
  7. Jan 21, 2025Reported quarterly or annual results90
  8. Oct 21, 2024Reported quarterly or annual results91

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

594 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 52 major events, 435 insider forms, 14 large holders, 73 other. The latest 20:

  1. Sep 30, 20264 EDGAR
  2. Sep 30, 20264 EDGAR
  3. Sep 30, 20264 EDGAR
  4. Sep 30, 20264 EDGAR
  5. Sep 30, 20264 EDGAR
  6. Sep 30, 20264 EDGAR
  7. Sep 30, 20264 EDGAR
  8. Sep 30, 20264 EDGAR
  9. Sep 30, 20264 EDGAR
  10. Sep 30, 20264 EDGAR
  11. Sep 30, 20264 EDGAR
  12. Aug 21, 20264 EDGAR
  13. Aug 21, 20264 EDGAR
  14. Aug 18, 20264 EDGAR
  15. Aug 13, 20264 EDGAR
  16. Aug 13, 2026144 EDGAR
  17. Aug 5, 202610-Q EDGAR
  18. Jul 20, 20268-K EDGAR
  19. Jul 2, 20264 EDGAR
  20. Jul 2, 20264 EDGAR

The 594 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

55 open-market trades by officers, directors and large owners since October 2021: 12 buys and 43 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 13, 2026DYKSTRA DAVID AVICE CHAIRMAN AND COOSale13,515$162.77$2.2MForm 4
May 4, 2026MCKINNEY SUZET MDirectorSale500$148.96$74.5KForm 4
Apr 27, 2026DYKSTRA DAVID AVICE CHAIRMAN AND COOSale9,579$148.82$1.4MForm 4
Apr 23, 2026STOEHR DAVID LCHIEF FINANCIAL OFFICERSale3,020$150.45$454.4KForm 4
Mar 4, 2026Hahnfeld Jeffrey DEVP-CONTROLLER & CHIEF ACC OFFSale530$145.65$77.2KForm 4
Mar 2, 2026MURPHY RICHARD BVICE CHAIR,CHIEF LENDING OFCSale3,979$147.12$585.4KForm 4
Feb 4, 2026Boege Kathleen MEVP, CHIEF LEGAL OFC, AND SECSale5,000$159.61$798.0KForm 4
Jan 30, 2026Lee David EricVICE CHAIR, WINTRUST FINANCIALSale558$147.42$82.3KForm 4
Jan 29, 2026Boege Kathleen MEVP, CHIEF LEGAL OFC, AND SECSale5,000$146.38$731.9KForm 4
Jan 29, 2026MURPHY RICHARD BVICE CHAIR,CHIEF LENDING OFCSale3,291$146.05$480.7KForm 4
Jan 29, 2026STOEHR DAVID LCHIEF FINANCIAL OFFICERSale2,499$146.16$365.3KForm 4
Jan 27, 2026Hahnfeld Jeffrey DEVP-CONTROLLER & CHIEF ACC OFFSale314$145.43$45.7KForm 4
Jul 31, 2025MURPHY RICHARD BVICE CHAIR,CHIEF LENDING OFCSale3,746$127.98$479.4KForm 4
Jul 29, 2025DYKSTRA DAVID AVICE CHAIRMAN AND COOSale14,942$131.53$2.0MForm 4
Jul 25, 2025WEHMER EDWARD JFOUNDER AND SENIOR ADVISORBuy6,301$26.35$166.0KForm 4
Feb 27, 2025Hahnfeld Jeffrey DEVP-CONTROLLER & CHIEF ACC OFFSale936$124.16$116.2KForm 4
Feb 27, 2025Lee David EricVICE CHAIR, WINTRUST FINANCIALSale1,548$124.10$192.1KForm 4
Feb 27, 2025MURPHY RICHARD BVICE CHAIR,CHIEF LENDING OFCSale7,166$123.62$885.9KForm 4
Feb 27, 2025STOEHR DAVID LCHIEF FINANCIAL OFFICERSale5,316$123.61$657.1KForm 4
Feb 27, 2025DYKSTRA DAVID AVICE CHAIRMAN AND COOSale9,480$123.64$1.2MForm 4

All 55 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Timothy S. CranePresident and Chief Executive Officer64$1.2M$7.0M97
2025Edward J. WehmerFounder, Senior Advisor, and Chairman Emeritus$450.0K$4.5M97
2025David A. DykstraVice Chairman and Chief Operating Officer$897.9K$2.9M97
2025Richard B. MurphyVice Chairman and Chief Lending Officer$688.2K$2.3M97
2025David L. StoehrExecutive Vice President and Chief Financial Officer$607.7K$1.8M97
2024Timothy S. CranePresident and Chief Executive Officer64$1.1M$6.1M97
2024Edward J. WehmerFounder, Senior Advisor, and Chairman Emeritus$450.0K$4.5M97
2024David A. DykstraVice Chairman and Chief Operating Officer$878.4K$2.7M97
2024Richard B. MurphyVice Chairman and Chief Lending Officer$671.8K$2.1M97
2024David L. StoehrExecutive Vice President and Chief Financial Officer$584.6K$1.6M97
2023Timothy S. CranePresident and Chief Executive Officer64$965.5K$4.9M97
2023Edward J. WehmerFounder, Senior Advisor, and Chairman Emeritus$701.0K$3.6M97
2023David A. DykstraVice Chairman and Chief Operating Officer$847.9K$2.9M97
2023Richard B. MurphyVice Chairman and Chief Lending Officer$647.9K$2.2M97
2023David L. StoehrExecutive Vice President and Chief Financial Officer$537.9K$1.7M97

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.6,583,424$1.1B0.0%+286,831
Fmr LLC5,122,321$823.3M0.0%−164,061
Vanguard Portfolio Management LLC3,595,895$577.9M0.0%+9,022
Vanguard Capital Management LLC3,071,434$493.6M0.0%+45,670
Dimensional Fund Advisors LP2,675,991$430.1M0.1%−25,993
State Street Corp2,658,319$427.2M0.0%+71,964
First Trust Advisors LP1,749,346$281.2M0.2%−80,922
Earnest Partners LLC1,374,559$220.9M0.8%−26,075
Geode Capital Management, LLC1,337,969$215.1M0.0%+18,652
Principal Financial Group Inc1,246,124$200.3M0.1%−19,676
Invesco Ltd.1,174,971$188.8M0.0%−193,764
Bank Of America Corp /de/1,045,426$168.0M0.0%+26,848
Clearbridge Investments, LLC1,007,925$162.0M0.1%+50,682
Capital International Investors927,769$149.1M0.0%+25,102
Jennison Associates LLC872,304$140.2M0.1%+23,659
Jpmorgan Chase & Co815,162$131.2M0.0%+92,507
Charles Schwab Investment Management Inc801,412$128.8M0.0%−6,135
Northern Trust Corp785,184$126.2M0.0%−2,400
Fuller & Thaler Asset Management, Inc.764,128$122.8M0.3%+113,528
Norges Bank742,963$119.4M0.0%New
Sei Investments Co721,897$116.0M0.1%−23,376
Artemis Investment Management LLP695,962$111.9M1.0%+84,342
Millennium Management LLC657,273$105.6M0.1%−41,603
Clark Capital Management Group, Inc.643,788$103.5M0.6%+17,670
Morgan Stanley604,963$97.2M0.0%+105,469

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Wintrust Financial is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARWINTRUST FINANCIAL CORP2
  • CIK0001015328
  • Employer ID (EIN)36-387335216
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company16
  • Incorporated inIllinois16
  • Fiscal year endsDecember 312
  • Industry code (SIC)6022 State Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address9700 West Higgins Road, 8Th Floor, Rosemont, IL 600182
  • Phone84793990002
  • Shares outstanding67,465,967 as of Jul 31, 202614
  • Public float$8.2B as of Jun 30, 202516
  • AuditorErnst & Young LLP, Chicago, Illinois PCAOB ID 42; it also attests to the company’s internal control over financial reporting16
  • On EDGAR sinceMay 28, 19962
  • Filings2,845 in all: 4 (1,844), 8-K (310), 10-Q (90), SC 13G/A (76), 3 (41), 144 (39), 425 (34), DEF 14A (32)2
    All 59 form types

    10-K (30), S-8 (25), 13F-HR (24), 5 (24), SC 13G (24), UPLOAD (22), CORRESP (21), 424B5 (19), 424B3 (13), DEFA14A (13), S-4/A (13), S-3 (12), S-4 (12), 11-K (11), ARS (10), FWP (8), S-3ASR (8), S-3/A (7), 8-K/A (6), EFFECT (6), PRE 14A (6), 13F-HR/A (5), 424B2 (5), 10-Q/A (4), 8-A12B (4), 8-A12G (4), 25-NSE (3), 424B4 (3), POS AM (3), S-8 POS (3), 15-12G (2), 424A (2), 424B7 (2), CERT (2), CERTNAS (2), D (2), POSASR (2), S-3MEF (2), SCHEDULE 13G (2), SCHEDULE 13G/A (2), 15-12B (1), 15-12B/A (1), 3/A (1), 4/A (1), 424B1 (1), DEFR14A (1), NT 10-K (1), PRER14A (1), REGDEX (1), S-1 (1), S-1/A (1)

  • Latest filingsAnnual report (10-K) Feb 26, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Apr 9, 2026
    Latest 8-K (8-K) Jul 20, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, no par valueWTFCThe Nasdaq Global Select Market
7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par valueWTFCNThe Nasdaq Global Select Market

From the cover page of the 10-K filed Feb 26, 2026 (Section 12(b) of the Exchange Act).16

Risk factors and legal proceedings

The risks Wintrust Financial names in Item 1A of its 10-K filed Feb 26, 2026: 53 risks under these headings, as written.16

  • Risks Related to Economic Conditions and Operating Environment
  • Risks Related to Competition and Reputation
  • Risks Related to Growth and Acquisitions
  • Legal and Regulatory Risks
  • Risks Related to Lending Operations
  • Risks Related to Our Niche Businesses
  • Risks Related to Financial Strength and Liquidity
  • Risks Related to General Operations
  • Risks Related to Ownership of Our Common Stock
  • Deterioration in economic conditions may materially adversely affect the financial services industry and our business, financial condition, results of operations and cash flows.
  • Since our business is concentrated in the Chicago metropolitan, southern Wisconsin and west Michigan market areas, economic declines in the economy of this region could adversely affect our business.
  • Climate change manifesting as transition, physical or other risks could adversely affect our operations, businesses, customers, reputation and financial condition.
The other 50 risks
  • The financial services industry is very competitive, and if we are not able to compete effectively, we may lose market share and our business could suffer.
  • Damage to our reputation may harm our business.
  • Investors’ and other stakeholders’ expectations of our performance relating to environmental, social and governance factors may impose additional costs and expose us to new risks.
  • Consumers may decide not to use banks to complete their financial transactions, which could adversely affect our business and results of operations.
  • We may be adversely impacted by the soundness of other financial institutions.
  • If we are unable to continue to identify favorable acquisitions or successfully integrate our acquisitions, our growth may be limited and our results of operations could suffer.
  • New lines of business and new products and services are essential to our ability to compete but may subject us to additional risks.
  • De novo operations often involve significant expenses and delayed returns and may negatively impact Wintrust's profitability.
  • If we fail to meet our regulatory capital ratios, we may be forced to raise capital or sell assets.
  • Changes in the United States’ monetary policy may restrict our ability to conduct our business in a profitable manner.
  • Legislative and regulatory actions taken now or in the future regarding the financial services industry may significantly increase our costs or limit our ability to conduct our business in a profitable manner.
  • We are subject to complex and evolving laws, regulations, rules, standards and contractual obligations regarding data privacy and cybersecurity, which could increase the cost of doing business, compliance risks and potential liability.
  • Financial reform legislation and increased regulatory rigor around consumer protection and mortgage-related issues may reduce our ability to market our products to consumers and may limit our ability to profitably operate our mortgage business.
  • Federal, state and local consumer lending laws may restrict our ability to originate certain mortgage loans or increase our risk of liability with respect to such loans and could increase our cost of doing business.
  • Regulatory initiatives regarding bank capital requirements may require heightened capital.
  • Our FDIC insurance premiums may increase, or the FDIC could adopt additional special assessments, either of which could negatively impact our results of operations.
  • Non-compliance with the Bank Secrecy Act and its implementing regulations, and other applicable anti-money laundering laws and regulations could result in fines or sanctions.
  • We are subject to claims and legal actions that could negatively affect our results of operations or financial condition.
  • We are subject to examinations and challenges by tax authorities that may impact our financial results.
  • Changes in federal and state tax laws and changes in interpretation of existing laws can impact our financial results.
  • Changes in accounting policies or accounting standards could materially adversely affect how we report our financial results and financial condition.
  • Changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, may adversely impact our business, financial condition and results of operations.
  • If our allowance for credit losses is not sufficient to absorb losses that may occur in our loan portfolio, our financial condition and liquidity could suffer.
  • A significant portion of our loan portfolio is comprised of commercial loans, the repayment of which is largely dependent upon the financial success and economic viability of the borrower.
  • A substantial portion of our loan portfolio is secured by real estate, in particular commercial real estate. Deterioration in the real estate markets could lead to additional losses, which could have a material adverse effect on our financial condition and results of operations.
  • Events impacting collateral consisting of real property could lead to additional losses which could have a material adverse effect on our financial condition and results of operations.
  • Any inaccurate assumptions in our analytical and forecasting models could cause us to miscalculate our projected revenue, capital, liquidity or losses, which could adversely affect our financial condition.
  • We are subject to environmental liability risk associated with lending activities.
  • Our premium finance business may involve a higher risk of delinquency or collection than our other lending operations, and could expose us to losses.
  • Widespread financial difficulties or credit downgrades among commercial and life insurance providers could lessen the value of the collateral securing our premium finance loans and impair the financial condition and liquidity of FIRST Insurance Funding, Wintrust Life Finance and FIFC Canada.
  • Our wealth management business in general, and Wintrust Investments’ brokerage operation, in particular, exposes us to certain risks associated with the securities industry.
  • Changes in prevailing interest rates could adversely affect our net interest income, which is our largest source of income.
  • Our liquidity position may be negatively impacted if economic conditions do not improve or if they decline.
  • An actual or perceived reduction in our financial strength may cause others to reduce or cease doing business with us, which could result in a decrease in our net interest income and fee revenues.
  • Loss of deposits or a change in the deposit mix could increase our funding costs.
  • If our credit rating is lowered, our financing costs could increase.
  • If our growth requires us to raise additional capital, that capital may not be available when it is needed or the cost of that capital may be very high.
  • Disruption in the financial markets could result in lower fair values for our investment securities portfolio.
  • We are a bank holding company, and our sources of funds, including to pay dividends, are limited.
  • Our controls and procedures may fail or be circumvented.
  • Our operational or security systems, networks or infrastructure, or those of third parties, could fail or be breached, which could disrupt our business and adversely impact our results of operations, liquidity and financial condition, as well as cause legal or reputational harm.
  • We face risks from cyber-attacks, information security breaches and other similar incidents that could result in the disclosure of confidential and other information (including personal information), all of which could adversely affect our business or reputation, and create significant legal and financial exposure.
  • The development and use of artificial intelligence by us or others, or our inability to effectively and timely implement its use, may adversely affect the Company.
  • Our business could be adversely affected by fraud.
  • Our vendors may be responsible for failures that adversely affect our operations.
  • We depend on the accuracy and completeness of information we receive about our customers and counterparties to make credit decisions.
  • If we are unable to attract and retain experienced and qualified personnel, our ability to provide high quality service will be diminished, we may lose key customer relationships, and our results of operations may suffer.
  • Losses incurred in connection with actual or projected repurchases and indemnification payments related to mortgages that we have sold into the secondary market may exceed our financial statement reserves and we may be required to increase such reserves in the future. Increases to our reserves and losses incurred in connection with actual loan repurchases and indemnification payments could have a material adverse effect on our business, financial condition, results of operations or cash flows.
  • Our business could be adversely affected by the occurrence of extraordinary events, such as acts of war, terrorist attacks, natural disasters and public health threats.
  • Anti-takeover provisions could negatively impact our shareholders.

Legal proceedings

The information required by this item is set forth in Part II, Item 8, Financial Statements and Supplementary Data, under Note (20) “Commitments and Contingencies”.

The opening of Item 3, Legal Proceedings.16

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