WINTRUST FINANCIAL CORP (WTFC)

Every figure this model derived for WTFC, the value it took, and the element in the company's own XBRL it was read from — so any of it can be checked against the filing rather than taken on trust. As at 2025-12-31.

The figures, and where each came from

This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.

Figure	Value	XBRL tag	As at
capex	49,951,000	`PaymentsToAcquirePropertyPlantAndEquipment`	2025-12-31
cash	595,855,000	`CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents`	2026-06-30
equity	7,525,116,000	`StockholdersEquity`	2026-06-30
interest expense	1,481,858,000	`InterestExpense`	2026-06-30
ocf	1,643,732,000	`NetCashProvidedByUsedInOperatingActivities`	2026-06-30
revenue	265,635,000	`RevenueFromContractWithCustomerExcludingAssessedTax`	2025-12-31
sbc	43,964,000	`ShareBasedCompensation`	2026-06-30

The ratios

The figures themselves rather than their scores — what somebody looking up WTFC on one particular measure came for.

Ratio	Value
dilution pct	4.94
fcf margin	599.99
growth cv	0.77
owner earnings margin	583.44
revenue growth	5.94
revenue growth per share	0.95
rpo growth	98.27
sbc pct revenue	16.55

What to be careful about

What this model itself distrusts about WTFC's figures. Written by the derivation as it ran, not added afterwards.

operating income last tagged 2014-09-30, 4110 days before the revenue period (2025-12-31); dropped rather than divided by current revenue
revenue is annual, not TTM
no market cap; set `market_cap` in overrides.yaml
no forward EPS estimate; growth rests on filings only. Analyst consensus is not published in XBRL, so it has to be fetched from a data provider or set by hand in overrides.yaml as `eps_growth_2y`
quality DROPPED from the total: only 2 of 5 inputs could be computed (operating margin, roic, cash operating margin not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
valuation DROPPED from the total: only 0 of 2 inputs could be computed (ev ebit, ev owner earnings not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
durability rests on 3 of 4 inputs; not tagged: gross margin stability
resilience DROPPED from the total: only 1 of 3 inputs could be computed (interest cover, liquidity not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
growth DROPPED from the total: only 2 of 4 inputs could be computed (margin trend, margin recent not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
4 of 5 dimensions could not be measured (quality, valuation, resilience, growth -- 90% of the model), so this row is not comparable with the others; its total rests on what was left