WTFCWINTRUST FINANCIAL CORP
State Commercial Banks
- Revenue
- $266M
- 5.9% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $493M net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear110% of net incomeCash flow under 80% of net income
- Dilutive SBCFired16% of revenueOver 10% of revenue
- Payouts exceed cash flowClear19% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $207M | $218M | $220M | $251M | $266M | 5.9% |
| Net income | $466M | $510M | $623M | $695M | $824M | 19% |
| Operating cash flow | $1.1B | $1.4B | $744M | $722M | $910M | 26% |
| Capex | $57M | $53M | $46M | $86M | $50M | 42% |
| Stock-based comp | $16M | $32M | $33M | $38M | $42M | 9.0% |
| Buybacks | $10M | $0 | $0 | — | — | |
| Dividends | $99M | $108M | $126M | $143M | $169M | 18% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $1M · 1
- Net
- −$1M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 249 | 217 |
| FY2024 | — | — | 219 | 168 |
| FY2023 | — | — | 160 | 125 |
| FY2022 | — | — | 143 | 114 |
| FY2021 | — | — | 151 | 137 |