Wintrust Financial Corporation
wintrust.comWhat Do They Do?
Provides wealth management services to individuals, businesses and institutions, alongside community and commercial banking and specialty financing for businesses and individuals.
10-K for FY2025, filed Feb 26, 2026Through our wealth management segment, we offer a full range of wealth management services through four separate subsidiaries (WPT…View ↗
Wintrust Financial Corporation, an Illinois corporation (“we,” “Wintrust” or “the Company”), which was incorporated in 1992, is a financial…View ↗
Through our specialty finance segment, we offer financing of insurance premiums for businesses and individuals; insurance banking services…View ↗
How Do They Make Money?
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10-K for FY2025, filed Feb 26, 2026
FY2025 revenue by product or service ↗
$265.6M
-
10-K for FY2025, filed Feb 26, 2026
$265.6M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Total wealth management
|
56%
FY2022: 58%
|
Total wealth management, FY2025
$147.4M Sources
|
|
Mortgage broker fees
|
1.0%
FY2022: 0.4%
|
Mortgage broker fees, FY2025
$2.8M Sources
|
|
Service charges on deposit accounts
|
30%
FY2022: 27%
|
Service charges on deposit accounts, FY2025
$79.1M Sources
|
|
Administrative services
|
2.0%
FY2022: 3.1%
|
Administrative services, FY2025
$5.3M Sources
|
|
Card related fees
|
6.0%
FY2022: 5.3%
|
Card related fees, FY2025
$16M Sources
|
|
Other deposit related fees
|
5.7%
FY2022: 6.2%
|
Other deposit related fees, FY2025
$15.1M Sources
|
Who Are Their Customers?
Banking customers include individuals, businesses and local or institutional organizations. Insurance agents and brokers help arrange commercial premium-finance loans, while life-finance borrowers are referred by carriers, agents, financial advisers or legal counsel; wealth services target affluent individuals and small to midsize businesses.
10-K for FY2025, filed Feb 26, 2026Through our community banking segment, our banks provide community-oriented, personal and commercial banking services to customers located…View ↗
In their property and casualty insurance premium finance operations, FIRST Insurance Funding and FIFC Canada make loans primarily to…View ↗
Wintrust Life Finance finances life insurance policy premiums for estate planning purposes of high net-worth borrowers and for multi-life…View ↗
Our wealth management companies (WPT, Wintrust Investments, GLA and CDEC) compete with larger wealth management subsidiaries of other…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 324 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 28% in 4 years, from $207.2M in FY2021 to $265.6M in FY2025, about 6% a year.
Expanded community banking markets
Community banking extends into west Michigan in addition to the Chicago area, southern Wisconsin and northwest Indiana.
10-K for FY2022, filed Feb 28, 2023 10-K for FY2025, filed Feb 26, 2026Wintrust Financial Corporation, an Illinois corporation (“we,” “Wintrust” or “the Company”), which was incorporated in 1992, is a financial…View ↗
Wintrust Financial Corporation, an Illinois corporation (“we,” “Wintrust” or “the Company”), which was incorporated in 1992, is a financial…View ↗
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