Wintrust Financial Balance Sheet Health
Financial Health criteria checks 6/6
Wintrust Financial has total assets of $69.0B and total equity of $7.2B. Total deposits are $55.8B, and total loans are $50.9B. It earns a Net Interest Margin of 3.5%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $5.5B.
Key information
9.5x
Asset to equity ratio
3.5%
Net interest margin
| Total deposits | US$55.82b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$5.49b |
Recent financial health updates
No updates
Recent updates
Wintrust Financial Corporation Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year
Aug 10
Wintrust Financial Corporation Just Beat EPS By 7.0%: Here's What Analysts Think Will Happen Next
Jul 25Here's Why Wintrust Financial (NASDAQ:WTFC) Has Caught The Eye Of Investors
Jul 23WTFCN: A 7.875% Fixed-To-Reset Preferred Share IPO From Wintrust Financial
Jul 07Wintrust Financial Corporation: Clear Improvements, But The Opportunity To Buy Has Faded
Apr 26Wintrust Financial Corporation: 2025 Already Presents Some Headwinds
Jan 24Wintrust Financial Corporation Deserves An Optimistic Outlook
Oct 07
Decisive Growth And Risk Management Propel Bank's Expansion In West Michigan Market
Strategic acquisition and strong loan growth in specific sectors are enhancing Wintrust Financial's market presence and revenue.Wintrust Financial Corporation: Expensive CDs Take On Increasing Weight
Jun 17Wintrust Financial: Banking On More Gains
Mar 03Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: WTFC's Assets to Equity ratio (9.5x) is low.
Allowance for Bad Loans: WTFC has a sufficient allowance for bad loans (207%).
Low Risk Liabilities: 90% of WTFC's liabilities are made up of primarily low risk sources of funding.
Loan Level: WTFC has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: WTFC's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: WTFC has an appropriate level of bad loans (0.4%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/08/24 09:07 |
| End of Day Share Price | 2025/08/22 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Wintrust Financial Corporation is covered by 25 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Bryce Rowe | Baird |
| Jared David Shaw | Barclays |
| Benjamin Gerlinger | Citigroup Inc |