Company Quick10K Filing
Wintrust Financial
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 57 $4,141
10-K 2020-02-28 Annual: 2019-12-31
10-Q 2019-11-08 Quarter: 2019-09-30
10-Q 2019-08-09 Quarter: 2019-06-30
10-Q 2019-05-09 Quarter: 2019-03-31
10-K 2019-02-28 Annual: 2018-12-31
10-Q 2018-11-09 Quarter: 2018-09-30
10-Q 2018-08-08 Quarter: 2018-06-30
10-Q 2018-05-09 Quarter: 2018-03-31
10-K 2018-02-28 Annual: 2017-12-31
10-Q 2017-11-08 Quarter: 2017-09-30
10-Q 2017-08-08 Quarter: 2017-06-30
10-Q 2017-05-09 Quarter: 2017-03-31
10-K 2017-02-28 Annual: 2016-12-31
10-Q 2016-11-08 Quarter: 2016-09-30
10-Q 2016-08-08 Quarter: 2016-06-30
10-Q 2016-05-09 Quarter: 2016-03-31
10-K 2016-02-29 Annual: 2015-12-31
10-Q 2015-11-09 Quarter: 2015-09-30
10-Q 2015-08-10 Quarter: 2015-06-30
10-Q 2015-05-08 Quarter: 2015-03-31
10-K 2015-02-27 Annual: 2014-12-31
10-Q 2014-11-07 Quarter: 2014-09-30
10-Q 2014-08-08 Quarter: 2014-06-30
10-Q 2014-05-08 Quarter: 2014-03-31
10-K 2014-02-28 Annual: 2013-12-31
10-Q 2013-11-07 Quarter: 2013-09-30
10-Q 2013-08-08 Quarter: 2013-06-30
10-Q 2013-05-09 Quarter: 2013-03-31
10-K 2013-02-28 Annual: 2012-12-31
10-Q 2012-11-08 Quarter: 2012-09-30
10-Q 2012-08-09 Quarter: 2012-06-30
10-Q 2012-05-09 Quarter: 2012-03-31
10-Q 2011-11-09 Quarter: 2011-09-30
10-Q 2011-08-09 Quarter: 2011-06-30
10-Q 2011-05-09 Quarter: 2011-03-31
10-K 2011-03-01 Annual: 2010-12-31
10-Q 2010-11-01 Quarter: 2010-09-30
10-Q 2010-08-09 Quarter: 2010-06-30
10-Q 2010-05-10 Quarter: 2010-03-31
10-K 2010-03-01 Annual: 2009-12-31
8-K 2020-01-23 Officers, Exhibits
8-K 2020-01-21 Earnings, Exhibits
8-K 2020-01-15 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2019-11-01 Other Events, Exhibits
8-K 2019-10-24 Other Events, Exhibits
8-K 2019-09-17 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2019-07-16 Earnings, Exhibits
8-K 2019-06-03 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2019-05-27 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2019-05-23 Shareholder Vote
8-K 2019-04-16 Earnings, Exhibits
8-K 2019-02-15 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2019-01-23 Earnings, Exhibits
8-K 2018-10-17 Earnings, Exhibits
8-K 2018-09-18 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2018-07-17 Earnings, Exhibits
8-K 2018-06-28 Enter Agreement, Off-BS Arrangement, Exhibits
8-K 2018-05-24 Shareholder Vote
8-K 2018-04-16 Earnings, Exhibits
8-K 2018-01-22 Earnings, Exhibits

Wintrust Financial Financials

WTFC Metrics, Comps, Filings

Annual | Quarterly

Business

Wintrust Financial Corporation, an Illinois corporation ("we," "Wintrust" or "the Company"), which was incorporated in 1992, is a financial holding company based in Rosemont, Illinois, with total assets of approximately $31.2 billion as of December 31, 2018. We conduct our businesses through three segments: community banking, specialty finance and wealth management. All segment measurements discussed below are based on the reportable segments and do not reflect intersegment eliminations.

We provide community-oriented, personal and commercial banking services to customers located in the Chicago metropolitan area, southern Wisconsin and northwest Indiana ("our market area") through our fifteen wholly-owned-banking subsidiaries (collectively, the "banks"), as well as the origination and purchase of residential mortgages for sale into the secondary market through Wintrust Mortgage, a division of Barrington Bank and Trust Company, N.A. ("Barrington Bank"). For the years ended December 31, 2018, 2017 and 2016, the community banking segment had net revenues of $1.0 billion, $889 million and $819 million, respectively, and net income of $241 million, $175 million and $145 million, respectively. The community banking segment had total assets of $25.4 billion, $22.8 billion and $21.2 billion as of December 31, 2018, 2017 and 2016, respectively. The community banking segment accounted for approximately 77% of our consolidated net revenues, excluding intersegment eliminations, for the year ended December 31, 2018.

We provide specialty finance services, including financing for the payment of commercial insurance premiums and life insurance premiums ("premium finance receivables") on a national basis through FIRST Insurance Funding ("FIRST Insurance Funding"), a division of our wholly-owned subsidiary Lake Forest Bank & Trust Company, N.A. ("Lake Forest Bank"), and Wintrust Life Finance ("Wintrust Life Finance"), a division of Lake Forest Bank, and in Canada through our premium finance company, First Insurance Funding of Canada ("FIFC Canada"), lease financing and other direct leasing opportunities through our wholly-owned subsidiary, Wintrust Asset Finance, and short-term accounts receivable financing and outsourced administrative services through our wholly-owned subsidiary, Tricom, Inc. of Milwaukee ("Tricom"). For the years ended December 31, 2018, 2017 and 2016, the specialty finance segment had net revenues of $203 million, $179 million and $148 million, respectively, and net income of $82 million, $66 million and $49 million, respectively. The specialty finance segment had total assets of $5.1 billion, $4.5 billion and $3.9 billion as of December 31, 2018, 2017 and 2016, respectively. The specialty finance segment accounted for 15% of our consolidated net revenues, excluding intersegment eliminations, for the year ended December 31, 2018.


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Stockholders' Equity

Income Statement ($BB Annual)

Revenue, Gross Profit, Net Income

Cash Flow ($BB Annual)

Operating, Investing, Financing

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Bank of The Ozarks (OZK) 4,754 6.5 2% 19,152 16,276 0 0 308 585 3,825
First Horizon National (FHN) 5,154 0% 4.9 1% 43,718 38,722 1,333 0 331 750 3,658
Prosperity Bancshares (PB) 4,935 11.1 1% 22,093 17,966 0 0 246 406 4,514
PacWest Bancorp (PACW) 4,294 0% 5.7 2% 26,725 21,805 1,042 0 466 839 4,811
Western Alliance (WAL) 4,743 4.9 2% 26,324 23,401 0 0 492 785 3,871
Pinnacle Financial Partners (PNFP) 4,351 6.2 1% 27,548 23,253 0 0 400 702 4,351
Sterling Bancorp (STL) 4,168 0% 8.0 1% 30,078 25,557 20 0 435 852 6,797
Webster Financial (WBS) 4,189 0% 6.4 1% 29,895 26,743 157 0 391 688 4,435
First Financial (FFIN) 4,548 26.5 2% 8,114 6,909 0 0 123 172 4,548
Wintrust Financial (WTFC) 3,774 0% 4.3 1% 34,912 31,372 1,088 0 349 780 3,325
Iberiabank (IBKC) 4,053 7.1 1% 31,735 27,451 0 0 302 636 4,516
FNB (FNB) 3,714 5.7 1% 34,329 29,509 0 0 392 778 4,445
United Bankshares (UBSI) 3,949 11.0 1% 19,751 16,397 0 0 261 511 5,622
First Hawaiian (FHB) 3,620 0% 6.6 1% 20,598 17,944 580 0 217 373 2,476
Valley National Bancorp (VLY) 3,707 5.8 1% 33,766 30,207 0 0 349 937 5,460
Associated BancCorp (ASB) 3,366 0% 5.4 1% 32,596 28,676 923 0 255 629 3,403
Hancock Whitney (HWC) 3,479 13.1 0% 30,544 26,957 0 0 0 249 3,258
Glacier Bancorp (GBCI) 3,727 0% 11.3 1% 13,719 11,765 55 0 203 294 3,320
Community Bank System (CBU) 3,242 11.1 1% 11,597 9,757 0 0 126 201 2,228
Bank of Hawaii (BOH) 3,497 11.5 1% 17,672 16,381 0 0 168 281 3,236

Balance Sheet ($MM)2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash173945581231276270278392
Accounts Receivable14
Inventory
PP&E364432501720555592597622671
Assets13,9801,9302,1222,19120,01122,91725,66927,916196
Accounts Payable
Long-Term Debt
Liabilities12,54414,35015,71516,19717,94120,56522,97324,93927,977
Stockholders' Equity1,4371,5441,8051,9012,0702,3522,6962,9773,268
Income Statement ($MM)2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Revenue3048119
Cost of Revenue
Gross Profit
R&D
SG&A689111422253141
Tax3717-23-19739595132117
Net Income6378111137151157207258343
Cash Flow ($MM)2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash Operating205-26-258623638309401377
Cash Investing-582-22-66-29-1,868-1,642-2,493-2,304-2,763
Cash Financing3911452-311,5991,6492,1781,9102,501