Christopher McGratty's questions to WINTRUST FINANCIAL (WTFC) leadership • Q3 2025
Question
Christopher McGratty inquired about Wintrust's operating leverage trends for the upcoming year, considering the rate outlook and potential deregulation. He also asked about the company's capital position and whether it might lead to more acquisitions in a friendlier environment, given its history of small, profitable deals.
Answer
Timothy Crane, President and Chief Executive Officer, stated that Wintrust expects to continue achieving operating leverage in 2026 by growing the balance sheet in the mid to high single digits and keeping expense growth in the mid-single-digit range. Regarding acquisitions, he noted an uptick in conversations, particularly for small banks, and affirmed Wintrust's disciplined acquirer track record. He mentioned that while very small transactions are less impactful, the board is prepared to address any opportunities that arise, implying optionality.