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Wintrust Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$358M in Q3 2026 · $1.8B over twelve months

Operating cash flow$358M
Free cash flow+$358M
Cash / net income1.5×

Analysis

In Q3 2026, Wintrust Financial generated $358M of operating cash flow. That is $148M more than in Q3 2025 ($210M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.8B; the largest uses were other investing ($7.3B), net borrowing (+) / repaid (−) ($218M), dividends ($178M); besides operations, cash came from other financing ($6.0B), shares issued ($95K); the cash balance rose by $70.2M.

Operating cash flow was $358M against net income of $239M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$215M, other liabilities +$168M, depreciation & amortization +$29.9M.

Free cash flow

Wintrust Financial: free cash flow by quarterWintrust Financial: free cash flow by quarter$471MQ4 2024$120MQ1 2025$329MQ2 2025$210MQ3 2025$252MQ4 2025$927MQ1 2026$255MQ2 2026$358MQ3 2026
Operating cash flow less capital spending.
Wintrust Financial: operating cash flow against capital spendingWintrust Financial: operating cash flow against capital spendingOperating cash flowCapital spending$491M$19.6MQ4 2024$120M$0Q1 2025$329M$0Q2 2025$210M$0Q3 2025$252M$0Q4 2025$927M$0Q1 2026$255M$0Q2 2026$358M$0Q3 2026
Latest (Q3 2026): Operating cash flow $358M, Capital spending $0.

Capital allocation, year by year

Wintrust Financial: where the cash came from (up) and went (down), by fiscal yearWintrust Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $1.1BFY2021: Net borrowing −$27.9MFY2021: Shares issued $14.0MFY2021: Capital spending −$57.1MFY2021: Acquisitions −$585MFY2021: Buybacks −$9.5MFY2021: Dividends −$98.6M$1.1BFY2021FY2022: Operating cash flow $1.4BFY2022: Net borrowing $125MFY2022: Shares issued $291MFY2022: Capital spending −$53.4MFY2022: Dividends −$108M$1.8BFY2022FY2023: Operating cash flow $744MFY2023: Net borrowing $40.3MFY2023: Shares issued $2.2MFY2023: Capital spending −$46.4MFY2023: Acquisitions −$5.1MFY2023: Dividends −$126M$787MFY2023FY2024: Operating cash flow $722MFY2024: Net borrowing −$84.0MFY2024: Shares issued $86KFY2024: Capital spending −$86.0MFY2024: Acquisitions $531MFY2024: Dividends −$143M$1.3BFY2024FY2025: Operating cash flow $910MFY2025: Net borrowing −$74.0MFY2025: Shares issued $414MFY2025: Capital spending −$50.0MFY2025: Dividends −$169M$1.3BFY2025
Over these 5 years operating cash flow totalled $4.9B; the largest uses were dividends ($645M) and acquisitions ($591M). Cash-flow statements as filed.

Where the cash came from and went

Wintrust Financial: sources (+) and uses (−) of cash, Q3 2026Wintrust Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$1.6BOther financing$1.3BOperating cash flow$358MDividends−$45.5MCash drawn (+) / kept (−)−$39.8MNet borrowing (+) / repaid (−)−$15.3MTaxes on employees’ shares−$15K
Wintrust Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Wintrust Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$7.3BOther financing$6.0BOperating cash flow$1.8BNet borrowing (+) / repaid (−)−$218MDividends−$178MCash drawn (+) / kept (−)−$70.2MAcquisitions−$34.1MTaxes on employees’ shares−$5.7MShares issued$95K

From profit to cash

Wintrust Financial: net income to operating cash flow, Q3 2026Wintrust Financial: net income to operating cash flow, Q3 2026Net income$239MDepreciation & amortization$29.9MStock-based pay$11.9MGains on investments$1.6MGains on disposals−$1.1MPrepaid and other assets−$215MOther liabilities$168MOperating cash flow$358M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$358M—−$45.5M−$15.3M—−$39.8M$358M
Q2 2026$255M—−$45.5M$38.4M—−$52.1M$255M
Q1 2026$927M—−$45.4M−$133M$95K−$75.8M$927M
Q4 2025$252M—−$41.9M−$107M—$97.5M$252M
Q3 2025$210M—−$46.8M−$36.8M−$64K$130M$210M
Q2 2025$329M—−$40.5M$75.3M$1K−$79.3M$329M
Q1 2025$120M—−$40.3M−$4.8M$219K−$158M$120M
Q4 2024$491M−$19.6M−$36.9M−$91.0M−$24.9M$273M$471M

Wintrust Financial: income statement and cash flow

Wintrust Financial, Q3 2026: revenue $758M (+9% year over year), operating margin 43.1%. The chart follows the revenue to costs, profit and cash.

Wintrust Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.