What is the current annual operating margin of WTFC?

As of today, WTFC annual operating margin is 26.46%

What is 1-year change in WTFC annual operating margin?

WTFC annual operating margin is up +11.65% year-over-year

What is 3-year change in WTFC annual operating margin?

WTFC annual operating margin is down -15.44% over the past 3 years

How far is WTFC annual operating margin from its all-time high?

WTFC annual operating margin is currently -17.36% below its historical high of 32.02% set on December 31, 2021

How does WTFC annual operating margin rank versus sector peers?

WTFC annual operating margin is higher than 66.75% of companies in Financial Services sector

When is WTFC next annual earnings release?

The next annual earnings release for WTFC is on January 21, 2027

What is the current quarterly operating margin of WTFC?

As of today, WTFC quarterly operating margin is 27.91%

What is WTFC quarterly operating margin most recent change?

WTFC quarterly operating margin was down -2.89% on September 30, 2026

What is 1-year change in WTFC quarterly operating margin?

WTFC quarterly operating margin is up +2.80% year-over-year

How far is WTFC quarterly operating margin from its all-time high?

WTFC quarterly operating margin is currently -71.24% below its historical high of 97.05% set on December 31, 2000

How does WTFC quarterly operating margin rank versus sector peers?

WTFC quarterly operating margin is higher than 62.97% of companies in Financial Services sector

When is WTFC next earnings release?

The next earnings release for WTFC is on January 21, 2027

WTFC Operating Margin History & Chart Since 1996

Annual Operating Margin

26.46%2.76%+11.65%

December 31, 2025

Summary

Current Value: As of today, WTFC annual operating margin is 26.46%, up +11.65% on December 31, 2025
Historical Performance: WTFC annual operating margin is down -15.44% over the past 3 years, up +24.46% over the past 5 years
All-Time High Comparison: WTFC annual operating margin is currently -17.36% below its historical high of 32.02% set on December 31, 2021
3-Year Low Comparison: WTFC annual operating margin is +11.65% above its 3-year low of 23.70% reached on December 31, 2024
Sector Comparison: WTFC annual operating margin is higher than 66.75% of companies in Financial Services sector

Operating Margin Chart

beforeafter

Performance

WTFC Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Operating Margin	Dec 31, 25	26.46%	+11.7%	-15.4%	+24.5%	+105.4%
Quarterly Operating Margin	Sep 30, 26	27.91%	+2.8%	+13.1%	-12.4%	+21.5%
Price	Oct 22, 26	$149.75	+18.8%	+102.0%	+62.6%	+413.6%
PE Ratio	Oct 22, 26	11.49	-0.8%	+54.0%	-4.8%	-52.7%
Annual Revenue	Dec 31, 25	$4.21B	+6.3%	+87.8%	+128.4%	+438.3%
Annual Operating Profit	Dec 31, 25	$1.12B	+18.8%	+58.9%	+184.6%	+1007.2%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Net Margin	Dec 31, 25	19.53%	+11.5%	-14.0%	+23.0%	+141.4%

Operating Margin Highs

WTFC Annual Operating Margin Highs Comparison
Period	High	Date	Current
3Y	31.29%	N/A	-15.4%
5Y	32.02%	Dec 31, 21	-17.4%
All	32.02%	Dec 31, 21	-17.4%

Operating Margin Lows

WTFC Annual Operating Margin Lows Comparison
Period	Low	Date	Current
3Y	23.70%	Dec 31, 24	+11.7%
5Y	21.26%	N/A	+24.5%
All	-5.59%	Dec 31, 09	+573.4%

Operating Margin History

Year	Value	Change
2025	26.46%	+11.6%
2024	23.70%	-7.0%
2023	25.49%	-18.5%
2022	31.29%	-2.3%
2021	32.02%	+50.6%
2020	21.26%	-20.8%
2019	26.84%	-11.5%
2018	30.32%	-2.5%
2017	31.10%	+4.7%
2016	29.70%	+34.5%
2015	22.08%	-20.9%
2014	27.90%	+3.5%
2013	26.96%	+26.2%
2012	21.37%	+30.7%
2011	16.35%	+26.9%

Year	Value	Change
2010	12.88%	+330.4%
2009	-5.59%	-211.8%
2008	5.00%	-58.7%
2007	12.12%	-24.5%
2006	16.06%	-23.4%
2005	20.97%	-10.0%
2004	23.30%	+8.6%
2003	21.46%	+25.7%
2002	17.07%	+14.4%
2001	14.92%	+19.6%
2000	12.47%	+5.0%
1999	11.88%	+100.0%
1998	5.94%	+293.4%
1997	1.51%	+150.5%
1996	-2.99%	-

FAQ

What is the current annual operating margin of WTFC?: As of today, WTFC annual operating margin is 26.46%
What is 1-year change in WTFC annual operating margin?: WTFC annual operating margin is up +11.65% year-over-year
What is 3-year change in WTFC annual operating margin?: WTFC annual operating margin is down -15.44% over the past 3 years
How far is WTFC annual operating margin from its all-time high?: WTFC annual operating margin is currently -17.36% below its historical high of 32.02% set on December 31, 2021
How does WTFC annual operating margin rank versus sector peers?: WTFC annual operating margin is higher than 66.75% of companies in Financial Services sector
When is WTFC next annual earnings release?: The next annual earnings release for WTFC is on January 21, 2027

Operating Margin Formula

Operating Profit Margin = Operating Income

Revenue × 100%

Quarterly Operating Margin

27.91%0.83%-2.89%

September 30, 2026

Summary

Current Value: As of today, WTFC quarterly operating margin is 27.91%, down -2.89% on September 30, 2026
Historical Performance: WTFC quarterly operating margin is up +2.80% year-over-year, up +13.13% over the past 3 years
All-Time High Comparison: WTFC quarterly operating margin is currently -71.24% below its historical high of 97.05% set on December 31, 2000
3-Year Low Comparison: WTFC quarterly operating margin is +26.00% above its 3-year low of 22.15% reached on September 30, 2024
Sector Comparison: WTFC quarterly operating margin is higher than 62.97% of companies in Financial Services sector

Performance

WTFC Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Operating Margin	Sep 30, 26	27.91%	-2.9%	+2.8%	+13.1%	-12.4%
Annual Operating Margin	Dec 31, 25	26.46%	–	+11.7%	-15.4%	+24.5%
Price	Oct 22, 26	$149.75	-5.5%	+18.8%	+102.0%	+62.6%
PE Ratio	Oct 22, 26	11.49	-9.8%	-0.8%	+54.0%	-4.8%
Quarterly Revenue	Sep 30, 26	$1.17B	+5.7%	+6.9%	+29.3%	+151.8%
Quarterly Operating Profit	Sep 30, 26	$325.41M	+2.7%	+9.9%	+46.3%	+120.7%
Quarterly Gross Margin	Sep 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Net Margin	Sep 30, 26	20.50%	-3.3%	+3.4%	+12.6%	-13.0%

Quarterly Operating Margin Highs

WTFC Quarterly Operating Margin Highs Comparison
Period	High	Date	Current
1Y	28.74%	Jun 30, 26	-2.9%
3Y	36.16%	Dec 31, 23	-22.8%
5Y	36.16%	Dec 31, 23	-22.8%
All	97.05%	Dec 31, 00	-71.2%

Quarterly Operating Margin Lows

WTFC Quarterly Operating Margin Lows Comparison
Period	Low	Date	Current
1Y	27.15%	N/A	+2.8%
3Y	22.15%	Sep 30, 24	+26.0%
5Y	14.56%	Dec 31, 22	+91.7%
All	-3,925.98%	Sep 30, 02	+100.7%

Quarterly Operating Margin History

Month	Value	Change
Sep 2026	27.91%	-2.9%
Jun 2026	28.74%	+1.6%
Mar 2026	28.30%	+2.1%
Dec 2025	27.72%	+2.1%
Sep 2025	27.15%	+0.7%
Jun 2025	26.96%	+0.4%
Mar 2025	26.84%	+16.0%
Dec 2024	23.13%	+4.4%
Sep 2024	22.15%	-3.0%
Jun 2024	22.84%	-14.5%
Mar 2024	26.71%	-26.1%
Dec 2023	36.16%	+46.6%
Sep 2023	24.67%	-9.1%
Jun 2023	27.14%	-17.1%
Mar 2023	32.72%	+124.7%
Dec 2022	14.56%	-58.1%
Sep 2022	34.76%	+24.4%
Jun 2022	27.94%	-17.0%
Mar 2022	33.66%	+23.2%
Dec 2021	27.33%	-14.2%
Sep 2021	31.85%	+6.7%
Jun 2021	29.84%	-22.6%
Mar 2021	38.57%	+38.5%
Dec 2020	27.84%	-4.6%
Sep 2020	29.18%	+323.5%
Jun 2020	6.89%	-65.7%
Mar 2020	20.11%	-20.1%
Dec 2019	25.17%	-33.3%
Sep 2019	37.72%	+51.2%
Jun 2019	24.95%	-13.8%
Mar 2019	28.96%	+6.4%
Dec 2018	27.22%	-10.5%
Sep 2018	30.40%	-5.6%
Jun 2018	32.19%	+1.4%
Mar 2018	31.75%	+8.5%
Dec 2017	29.25%	-9.3%
Sep 2017	32.25%	+0.9%
Jun 2017	31.97%	+3.3%
Mar 2017	30.95%	+7.9%
Dec 2016	28.68%	-8.3%
Sep 2016	31.28%	+0.1%
Jun 2016	31.24%	+2.9%
Mar 2016	30.35%	+32.5%
Dec 2015	22.90%	-10.9%
Sep 2015	25.70%	-13.5%
Jun 2015	29.71%	+2.8%
Mar 2015	28.89%	+6.6%
Dec 2014	27.09%	-5.7%
Sep 2014	28.73%	+2.8%
Jun 2014	27.95%	+0.4%
Mar 2014	27.84%	-1.9%
Dec 2013	28.38%	+9.4%
Sep 2013	25.94%	+0.9%
Jun 2013	25.72%	+2.9%
Mar 2013	24.99%	+35.2%
Dec 2012	18.48%	-21.9%
Sep 2012	23.67%	+16.5%
Jun 2012	20.31%	+7.0%

Month	Value	Change
Mar 2012	18.98%	+17.1%
Dec 2011	16.21%	-29.4%
Sep 2011	22.97%	+118.1%
Jun 2011	10.53%	-26.8%
Mar 2011	14.38%	+19.2%
Dec 2010	12.06%	-23.3%
Sep 2010	15.72%	+56.0%
Jun 2010	10.08%	-26.0%
Mar 2010	13.62%	>+9,900.0%
Dec 2009	0.08%	-99.6%
Sep 2009	18.41%	+211.5%
Jun 2009	5.91%	-4.2%
Mar 2009	6.17%	+228.2%
Dec 2008	1.88%	+161.8%
Sep 2008	-3.04%	-128.4%
Jun 2008	10.69%	+15.2%
Mar 2008	9.28%	-29.4%
Dec 2007	13.15%	+57.5%
Sep 2007	8.35%	-38.2%
Jun 2007	13.51%	+1.7%
Mar 2007	13.28%	-2.0%
Dec 2006	13.55%	-1.3%
Sep 2006	13.73%	-21.5%
Jun 2006	17.49%	-12.8%
Mar 2006	20.06%	-2.0%
Dec 2005	20.46%	-3.8%
Sep 2005	21.26%	-3.5%
Jun 2005	22.04%	-0.5%
Mar 2005	22.16%	+1.3%
Dec 2004	21.87%	-8.8%
Sep 2004	23.97%	+0.2%
Jun 2004	23.93%	+0.8%
Mar 2004	23.73%	+1.6%
Dec 2003	23.36%	+6.3%
Sep 2003	21.98%	+6.8%
Jun 2003	20.58%	+4.5%
Mar 2003	19.69%	+10.0%
Dec 2002	17.90%	+100.5%
Sep 2002	-3,925.98%	>-9,900.0%
Jun 2002	16.81%	-7.0%
Mar 2002	18.08%	+9.5%
Dec 2001	16.51%	+5.2%
Sep 2001	15.70%	+11.7%
Jun 2001	14.06%	+40.2%
Mar 2001	10.03%	-89.7%
Dec 2000	97.05%	+706.7%
Sep 2000	12.03%	-9.1%
Jun 2000	13.24%	-1.0%
Mar 2000	13.38%	+7.1%
Dec 1999	12.49%	-1.6%
Sep 1999	12.69%	+10.1%
Jun 1999	11.53%	+9.3%
Mar 1999	10.55%	-70.1%
Dec 1998	35.32%	+2,575.8%
Sep 1998	1.32%	+117.3%
Jun 1998	-7.63%	+19.5%
Mar 1998	-9.48%	-

FAQ

What is the current quarterly operating margin of WTFC?: As of today, WTFC quarterly operating margin is 27.91%
What is WTFC quarterly operating margin most recent change?: WTFC quarterly operating margin was down -2.89% on September 30, 2026
What is 1-year change in WTFC quarterly operating margin?: WTFC quarterly operating margin is up +2.80% year-over-year
How far is WTFC quarterly operating margin from its all-time high?: WTFC quarterly operating margin is currently -71.24% below its historical high of 97.05% set on December 31, 2000
How does WTFC quarterly operating margin rank versus sector peers?: WTFC quarterly operating margin is higher than 62.97% of companies in Financial Services sector
When is WTFC next earnings release?: The next earnings release for WTFC is on January 21, 2027

Operating Margin Formula

Operating Profit Margin = Operating Income

Revenue × 100%

Data Sources & References

WTFC Official Website www.wintrust.com
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/1015328/000101532826000004/0001015328-26-000004-index.htm
WTFC Profile on Yahoo Finance finance.yahoo.com/quote/WTFC
WTFC Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/wtfc