WTFC
Wintrust Financial Corporation141.13
-0.18-0.13%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Reaffirms guidance, details expenses
Q&A largely reaffirmed 2026 guidance of mid-to-high single-digit loan and deposit growth with stable 3.5% NIM and positive operating leverage. Management quantified expenses at 4%-5% growth off Q4 run-rate, with cuts possible if growth slows. A $200M buyback sits authorized, but organic growth trumps it and small M&A. Premium finance shifts to unit-driven expansion as premiums flatten; mortgage warehouse and resi promise upside if rates dip. Credit episodic, reserves CECL-led. Peers' distractions aid market share. Q&A adds color, not curveballs. Watch mortgage rebound, expense control.
Key Stats
Market Cap
9.45BP/E (TTM)
12.95Basic EPS (TTM)
10.90Dividend Yield
0.01%Recent Filings
10-K
FY2025 results
Wintrust Financial grew assets to $71.1B in FY2025 ended December 31, 2025, with community banking net revenues up 17% y/y to $2.1B and net income rising 26% to $576.7M, fueled by 11% loan expansion to $53.1B and stable 3.53% FTE NIM. Specialty finance delivered $509.1M revenues (up 7%) and $205.3M net income on $12.5B assets, while wealth management posted $191.9M revenues on $46.5B AUA. Q4 accelerated deposit growth to $57.7B (10% y/y), funding robust earning asset gains; net charge-offs fell to 0.14% amid 0.35% NPLs. Solid liquidity with $3.6B cash; quarterly dividends hiked to $0.55/share. Regulatory changes could raise compliance costs.
8-K
Record Q4 earnings, growth
Wintrust Financial posted record Q4 net income of $223 million, up 3% from Q3, fueled by $1 billion loan and deposit growth (8% and 7% annualized) and net interest income climbing to $583.9 million on a 3.54% NIM. Credit stayed tight: NCOs dipped to 17 bps while NPLs edged to 0.35%. Loans fund deposits. Stable NIM sets up NII gains.
8-K
Facility extended, limit cut
8-K
Revolver extended to 2026
Wintrust extended its revolving credit maturity from December 5, 2025, to December 3, 2026, via Fourth Amendment, adding outbound investment rules compliance and confidentiality tweaks. Fifth Amendment cuts commitment fee on unused revolver from 0.30% to 0.25% per annum. Liquidity secured one year longer.
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.
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