Wintrust Financial Corporation (WTFC) - Net Assets
Based on the latest financial reports, Wintrust Financial Corporation (WTFC) has net assets worth $7.26 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($71.14 Billion) and total liabilities ($63.88 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Wintrust Financial Corporation liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $7.26 Billion |
| % of Total Assets | 10.2% |
| Annual Growth Rate | 18.88% |
| 5-Year Change | 61.35% |
| 10-Year Change | 169.28% |
| Growth Volatility | 16.72 |
Wintrust Financial Corporation - Net Assets Trend (1995–2025)
This chart illustrates how Wintrust Financial Corporation's net assets have evolved over time, based on quarterly financial data. Also explore WTFC total asset value for the complete picture of this company's asset base.
Annual Net Assets for Wintrust Financial Corporation (1995–2025)
The table below shows the annual net assets of Wintrust Financial Corporation from 1995 to 2025. For live valuation and market cap data, see market cap of Wintrust Financial Corporation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $7.26 Billion | +14.41% |
| 2024-12-31 | $6.34 Billion | +17.50% |
| 2023-12-31 | $5.40 Billion | +12.56% |
| 2022-12-31 | $4.80 Billion | +6.63% |
| 2021-12-31 | $4.50 Billion | +9.30% |
| 2020-12-31 | $4.12 Billion | +11.51% |
| 2019-12-31 | $3.69 Billion | +12.85% |
| 2018-12-31 | $3.27 Billion | +9.87% |
| 2017-12-31 | $2.98 Billion | +10.44% |
| 2016-12-31 | $2.70 Billion | +14.98% |
| 2015-12-31 | $2.34 Billion | +13.27% |
| 2014-12-31 | $2.07 Billion | +8.90% |
| 2013-12-31 | $1.90 Billion | +5.31% |
| 2012-12-31 | $1.80 Billion | +16.92% |
| 2011-12-31 | $1.54 Billion | +7.45% |
| 2010-12-31 | $1.44 Billion | +26.16% |
| 2009-12-31 | $1.14 Billion | +6.76% |
| 2008-12-31 | $1.07 Billion | +44.22% |
| 2007-12-31 | $739.55 Million | -4.37% |
| 2006-12-31 | $773.35 Million | +23.16% |
| 2005-12-31 | $627.91 Million | +32.50% |
| 2004-12-31 | $473.91 Million | +35.47% |
| 2003-12-31 | $349.84 Million | +54.11% |
| 2002-12-31 | $227.00 Million | +60.68% |
| 2001-12-31 | $141.28 Million | +38.13% |
| 2000-12-31 | $102.28 Million | +10.04% |
| 1999-12-31 | $92.95 Million | +23.52% |
| 1998-12-31 | $75.25 Million | +9.37% |
| 1997-12-31 | $68.80 Million | +61.50% |
| 1996-12-31 | $42.60 Million | +5.22% |
| 1995-12-31 | $40.49 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Wintrust Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 453753900000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $4.54 Billion | 62.51% |
| Common Stock | $67.06 Million | 0.92% |
| Other Comprehensive Income | $-295.75 Million | -4.07% |
| Other Components | $2.95 Billion | 40.64% |
| Total Equity | $7.26 Billion | 100.00% |
Wintrust Financial Corporation Competitors by Market Cap
The table below lists competitors of Wintrust Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Komercni Banka A.S.
PR:KOMB
|
$10.02 Billion |
|
Mankind Pharma Ltd
NSE:MANKIND
|
$10.03 Billion |
|
Brookfield Renewable Partners L.P
TO:BEP-UN
|
$10.04 Billion |
|
Pro Medicus Ltd
AU:PME
|
$10.06 Billion |
|
Aegon NV
AS:AGN
|
$10.02 Billion |
|
NTPC Green Energy Limited
NSE:NTPCGREEN
|
$10.01 Billion |
|
CHINA RE.PO.HO.UNS.ADR/15
F:CRP0
|
$10.01 Billion |
|
EastGroup Properties Inc
NYSE:EGP
|
$10.01 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Wintrust Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 6,344,297,000 to 7,258,715,000, a change of 914,418,000 (14.4%).
- Net income of 823,844,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 212,581,000.
- Other factors decreased equity by 122,007,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $823.84 Million | +11.35% |
| Other Comprehensive Income | $212.58 Million | +2.93% |
| Other Changes | $-122.01 Million | -1.68% |
| Total Change | $- | 14.41% |
Book Value vs Market Value Analysis
This analysis compares Wintrust Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.39x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 34.56x to 1.39x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $4.33 | $149.57 | x |
| 1996-12-31 | $4.63 | $149.57 | x |
| 1997-12-31 | $5.73 | $149.57 | x |
| 1998-12-31 | $5.98 | $149.57 | x |
| 1999-12-31 | $7.23 | $149.57 | x |
| 2000-12-31 | $7.64 | $149.57 | x |
| 2001-12-31 | $9.73 | $149.57 | x |
| 2002-12-31 | $13.03 | $149.57 | x |
| 2003-12-31 | $18.17 | $149.57 | x |
| 2004-12-31 | $21.57 | $149.57 | x |
| 2005-12-31 | $25.80 | $149.57 | x |
| 2006-12-31 | $29.83 | $149.57 | x |
| 2007-12-31 | $29.72 | $149.57 | x |
| 2008-12-31 | $44.20 | $149.57 | x |
| 2009-12-31 | $43.22 | $149.57 | x |
| 2010-12-31 | $45.50 | $149.57 | x |
| 2011-12-31 | $35.09 | $149.57 | x |
| 2012-12-31 | $37.57 | $149.57 | x |
| 2013-12-31 | $38.05 | $149.57 | x |
| 2014-12-31 | $40.71 | $149.57 | x |
| 2015-12-31 | $45.29 | $149.57 | x |
| 2016-12-31 | $49.67 | $149.57 | x |
| 2017-12-31 | $52.52 | $149.57 | x |
| 2018-12-31 | $57.12 | $149.57 | x |
| 2019-12-31 | $64.06 | $149.57 | x |
| 2020-12-31 | $70.94 | $149.57 | x |
| 2021-12-31 | $77.85 | $149.57 | x |
| 2022-12-31 | $79.83 | $149.57 | x |
| 2023-12-31 | $86.97 | $149.57 | x |
| 2024-12-31 | $98.06 | $149.57 | x |
| 2025-12-31 | $107.30 | $149.57 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Wintrust Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.35%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.48%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.80x
- Recent ROE (11.35%) is above the historical average (8.23%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 3.70% | 15.43% | 0.02x | 11.63x | $-2.55 Million |
| 1996 | -2.35% | -2.15% | 0.07x | 16.57x | $-5.26 Million |
| 1997 | 6.98% | 6.86% | 0.07x | 15.31x | $-2.08 Million |
| 1998 | 8.24% | 6.45% | 0.07x | 17.93x | $-1.32 Million |
| 1999 | 10.14% | 7.91% | 0.07x | 18.07x | $132.30K |
| 2000 | 10.91% | 6.70% | 0.08x | 20.56x | $927.40K |
| 2001 | 13.05% | 9.44% | 0.07x | 19.15x | $4.31 Million |
| 2002 | 12.28% | 11.48% | 0.07x | 16.39x | $5.17 Million |
| 2003 | 10.90% | 13.78% | 0.06x | 13.57x | $3.13 Million |
| 2004 | 10.83% | 14.99% | 0.05x | 13.54x | $3.94 Million |
| 2005 | 10.67% | 13.49% | 0.06x | 13.02x | $4.22 Million |
| 2006 | 8.60% | 10.30% | 0.07x | 12.38x | $-10.84 Million |
| 2007 | 7.53% | 8.12% | 0.07x | 12.67x | $-18.30 Million |
| 2008 | 1.92% | 3.36% | 0.06x | 9.99x | $-86.17 Million |
| 2009 | 6.42% | 10.65% | 0.06x | 10.73x | $-40.79 Million |
| 2010 | 4.41% | 8.59% | 0.05x | 9.73x | $-80.33 Million |
| 2011 | 5.03% | 10.29% | 0.05x | 10.30x | $-76.78 Million |
| 2012 | 6.16% | 13.21% | 0.05x | 9.71x | $-69.27 Million |
| 2013 | 7.22% | 16.18% | 0.05x | 9.52x | $-52.85 Million |
| 2014 | 7.31% | 17.20% | 0.04x | 9.67x | $-55.58 Million |
| 2015 | 6.66% | 15.92% | 0.04x | 9.74x | $-78.48 Million |
| 2016 | 7.67% | 18.33% | 0.04x | 9.52x | $-62.69 Million |
| 2017 | 8.66% | 20.43% | 0.05x | 9.38x | $-40.01 Million |
| 2018 | 10.50% | 22.54% | 0.05x | 9.56x | $16.41 Million |
| 2019 | 9.64% | 19.88% | 0.05x | 9.92x | $-13.43 Million |
| 2020 | 7.12% | 15.44% | 0.04x | 10.95x | $-118.61 Million |
| 2021 | 10.36% | 25.04% | 0.04x | 11.15x | $16.28 Million |
| 2022 | 10.63% | 23.08% | 0.04x | 11.04x | $30.00 Million |
| 2023 | 11.53% | 21.52% | 0.05x | 10.42x | $82.67 Million |
| 2024 | 10.96% | 17.53% | 0.06x | 10.23x | $60.62 Million |
| 2025 | 11.35% | 19.48% | 0.06x | 9.80x | $97.97 Million |
Industry Comparison
This section compares Wintrust Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Wintrust Financial Corporation (WTFC) | $7.26 Billion | 3.70% | 8.80x | $10.02 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Wintrust Financial Corporation
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic tim… Read more