WTFC
Wintrust Financial Corporation141.13
-0.18-0.13%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
9.45BP/E (TTM)
12.95Basic EPS (TTM)
10.90Dividend Yield
0.01%Recent Filings
8-K
8-K
10-Q
Q3 FY2025 results
Wintrust Financial's Q3 2025 results showed net income of $216.3 million, up 27% year-over-year, driven by net interest income climbing 13% to $567.0 million on 13% loan growth to $52.1 billion, while net interest margin held steady at 3.48% (derived). Non-interest income rose 16% to $130.8 million, boosted by mortgage banking gains and service charges, yet non-interest expense increased 5% to $380.0 million from higher salaries and software costs. Liquidity strengthened with deposits up 10% to $56.7 billion and $3.2 billion in cash equivalents, alongside stable FHLB advances at $3.2 billion; the Macatawa acquisition closed in August 2024 for $499.3 million in stock, adding $253.0 million in intangibles. Non-GAAP metrics not disclosed in the 10-Q. Competition in regional banking remains a key risk.
8-K
Record Q3 earnings on growth
Wintrust Financial reported record Q3 2025 net income of $216.3 million, fueled by $1.0 billion in loan growth and $894.6 million in deposits, pushing net interest income to $567.0 million at a stable 3.50% margin. Strong organic expansion across portfolios bolstered the balance sheet, while non-performing loans dipped to 0.31% of total loans. Credit quality held firm amid diversified growth. Yet charge-offs ticked up to 19 basis points.
10-Q
Q2 FY2025 results
Wintrust Financial's Q2 FY2025 results showed net income up 28% y/y to $195.5M, with diluted EPS rising 20% to $2.78 from $2.32, driven by 16% higher net interest income at $546.7M (derived) on 15% average earning asset growth to $62.2B, while net interest margin edged up 2bps to 3.52%. Provision for credit losses fell 44% y/y to $22.2M amid improving macroeconomic forecasts, though non-interest expense climbed 12% to $381.5M from acquisition costs and staffing for growth. Liquidity strengthened with deposits up 16% y/y to $55.8B and $695M cash; the Macatawa acquisition closed August 2024 for $499.3M in stock, adding $253M intangibles. Non-GAAP metrics not disclosed in the 10-Q. Yet competition in commercial lending persists.
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