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Wintrust Financial (WTFC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Wintrust Financial (WTFC) Q3 2026 earnings results →
Q3 2026 Revenue up 9% year over year to $758M · 32¢ of every $1 of revenue kept as net profit · operating margin 43.1%
Wintrust Financial made $758M in Q3 2026 (+9% Y/Y): Net interest income $622M, Noninterest income $136M. Operating margin 43.1%, net earnings $239M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
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What changed this quarter
Revenue was $757.9M in Q3 2026, up 9% year over year and up 3% from the previous quarter. Net interest income was the largest line at 82% of revenue. Net interest income added $54.6M year over year (up 10%), 91% of the total change.
Operating profit was $326.3M, a 43.1% margin (up 0.6 points year over year). Of the extra revenue versus a year earlier, 50% reached operating profit, above the 42% margin then. Total costs grew 7% against revenue growth of 9%. The fastest-growing cost line was Credit loss provision (+19%). Net earnings were $239.1M, up 11% year over year. The effective tax rate was 26.7%.
Operating cash flow was $357.8M (up 71% year over year), 150% of net earnings. Non-cash charges added back $29.9M of depreciation and amortization and $11.9M of share-based compensation. Working capital and other items added $76.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $758M | +9% | 43.1% | $239M | $358M |
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About Wintrust Financial
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 $71.1 billion as of December 31, 2025. We provide community-oriented, personal and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana and west Michigan (“our market area”) through our sixteen wholly-owned-banking subsidiaries (collectively, the “banks”), as well as the origination of residential mortgages for sale into the secondary market through Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A. (“Barrington Bank”).
In its own words, from its 10-K, filed Feb 26, 2026.
Wintrust Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +9% against the peers' median +10%. Operating margin: 43.1% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| WTFC Wintrust Financial | Q3 2026 | $758M | +9% | 43.1% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Wintrust Financial 10-Q on SEC EDGAR · CIK 1015328 · State Commercial Banks
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History
Every quarter: Q3 2026 results