WINTRUST FINANCIAL (WTFC) Company Report

WinTrust Financial Corporation reported record net income of $216 million in Q3 2025, an 11% increase quarter-over-quarter, and record net interest income of $567 million, up $20 million from the prior quarter.
The company achieved strong balance sheet growth in Q3 2025, with loans increasing by over $1 billion (8% annualized) to $52 billion and deposits growing by nearly $900 million (6% annualized) to almost $57 billion.
Net interest margin (NIM) was 3.5% for the quarter and is projected to remain relatively stable at approximately 3.5% through the end of 2025, even with potential rate cuts.
Credit quality remains very good, with non-performing loans decreasing to 31 basis points ($163 million) and commercial real estate (CRE) non-performing loans decreasing to 0.21% in Q3 2025.
WTFC continues to gain market share, becoming third in deposit market share in Illinois, and expects to achieve operating leverage in 2026 by growing the balance sheet mid to high single digits and keeping expense growth in the mid-single-digit range.

Oct 21, 2025, 3:00 PM

Transcript

Wintrust Financial Reports Record Q3 and Year-to-Date 2025 Results

WTFC

Earnings

Guidance Update

Convertible Preferred Issuance

Wintrust Financial reported record net income of $600.8 million or $8.25 per diluted common share for the first nine months of 2025, and a record quarterly net income of $216.3 million for Q3 2025. The Q3 2025 diluted EPS of $2.78 was impacted by a $(0.40) one-time charge related to preferred stock issuance costs and excess dividends.
Total loans increased by $5.0 billion or 11% year-over-year to $52.1 billion, and total deposits grew by $5.3 billion or 10% year-over-year to $56.7 billion as of September 30, 2025.
The net interest margin for Q3 2025 was 3.50%, a decrease of four basis points from the prior quarter, and is expected to remain relatively stable through the remainder of 2025. Credit quality remained strong, with non-performing loans totaling $163 million, representing 0.31% of total loans at September 30, 2025, and net charge-offs of 19 basis points in Q3 2025.

Oct 21, 2025, 3:00 PM

Presentation

Wintrust Financial Corporation Reports Record Q3 2025 Net Income and Strong Growth

WTFC

Earnings

Guidance Update

Revenue Acceleration/Inflection

Wintrust Financial Corporation reported a record net income of $216 million in Q3 2025, an 11% increase quarter-over-quarter, and a record net interest income of $567 million, up $20 million from the prior quarter. Without the one-time impact of preferred stock transactions, fully diluted net income per common share would have been $3.06.
The company achieved strong balance sheet growth with $1 billion in loan growth and $895 million in deposit growth during Q3 2025, bringing total loans to $52 billion and total deposits to almost $57 billion. The net interest margin was 3.50%, and is expected to remain stable at approximately 3.5% through the remainder of 2025.
Credit quality remained strong, with non-performing loans decreasing from $189 million (37 bps) to $163 million (31 bps). Charge-offs for the quarter were 19 bps, and non-interest expenses were well-controlled at $380 million, a slight decline from the previous quarter.

Oct 21, 2025, 3:00 PM

Transcript

Wintrust Financial Corporation Reports Record Q3 and Nine-Month 2025 Financial Results

WTFC

Earnings

Guidance Update

Revenue Acceleration/Inflection

Wintrust Financial Corporation reported record net income of $216.3 million and $2.78 diluted earnings per common share for the third quarter of 2025, contributing to record net income of $600.8 million and $8.25 diluted earnings per common share for the first nine months of 2025.
The company experienced significant balance sheet expansion in Q3 2025, with total loans increasing by $1.0 billion (8% annualized) to $52.1 billion and total deposits growing by $894.6 million (6% annualized) to $56.7 billion as of September 30, 2025.
Net interest income rose to $567.0 million in the third quarter of 2025, up from $546.7 million in the prior quarter, with a net interest margin of 3.48% (GAAP) or 3.50% (non-GAAP fully taxable-equivalent).
Credit quality remained robust, evidenced by non-performing loans totaling $162.6 million, or 0.31% of total loans, at September 30, 2025.

Oct 20, 2025, 9:18 PM

8-K

Wintrust Financial Corporation Redeems Series D and E Preferred Stock

WTFC

Wintrust Financial Corporation (WTFC) has redeemed, canceled, and retired all outstanding shares of its Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, and 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E.
The redemption was effective on July 15, 2025.
The redemption price for Series D Preferred Stock was $25.00 per share, and for Series E Preferred Stock (or Series E Depositary Shares) was $25.00 per share, in both cases plus any declared and unpaid dividends.
Following the redemption, these shares were returned to the status of authorized and unissued preferred stock. The only remaining issued and outstanding series of preferred stock for the company is now the 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, of which 17,000 shares were issued in a public offering completed on May 22, 2025.

Jul 16, 2025, 12:00 AM

8-K

Wintrust Financial to Redeem Series D and E Preferred Stock

WTFC

Wintrust Financial will redeem all 5 million Series D preferred shares at $25.00 per share and all 11,500 Series E preferred shares (and related 11.5 million depositary shares) at $25,000 per Series E share ($25.00 per depositary share) on July 15, 2025.
The redemption is funded by net proceeds from its May 22, 2025 public offering of Series F depositary shares and will cease trading of Series D, Series E, and related depositary shares on Nasdaq after the redemption date.
Regular quarterly dividends on Series D and Series E will be paid separately on July 15, 2025 to holders of record as of July 1, 2025, and will not be included in the redemption price; dividends will stop accruing thereafter.

Jun 13, 2025, 12:00 AM

8-K

Wintrust Financial Corp Completes Preferred Stock Offering

WTFC

Convertible Preferred Issuance

Completed a public offering of 17,000,000 depositary shares representing its 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, as detailed in the filing.
The issuance is supported by a legal opinion from Sidley Austin LLP, confirming that the shares are validly issued, fully paid, and non-assessable under applicable corporate actions.
The offering was executed under an effective Form S-3 registration statement and an underwriting agreement with RBC Capital Markets, outlining key rights and preferences for holders.

May 22, 2025, 12:00 AM

8-K

Wintrust Financial Corp Reports Record Q1 2025 Earnings Results

WTFC

Earnings

Dividends

M&A

Revenue Acceleration/Inflection

Q1 2025 earnings delivered record net income of $189 million and pre-tax income (excluding credit loss provisions) of $277 million, highlighting robust profitability .
Achieved record net interest income of $526 million and an improved net interest margin of 3.56%, underscoring strong interest performance .
Sustained robust balance sheet growth with loans rising by over $650 million and deposits increasing by over $1.1 billion, maintaining a loan-to-deposit ratio of approximately 91% .
Demonstrated solid credit performance with lower charge-offs and stable nonperforming loans, reflecting disciplined underwriting and proactive portfolio management .
Raised the dividend to $2 per share annualized and are exploring further M&A opportunities as part of ongoing market expansion strategies .
Strengthened capital metrics with a CET1 ratio of 10.1%, well above regulatory thresholds .

Apr 22, 2025, 2:01 PM

Transcript Presentation

Wintrust Financial Reports Record Q1 2025 Earnings

WTFC

Earnings

Record quarterly net income of $189.0 million and diluted EPS of $2.69 were announced for Q1 2025, reflecting a new high for the company.
Loan growth increased by $653 million (6% annualized) while deposits rose by $1.1 billion (8% annualized), with the loans-to-deposits ratio ending at 90.9%.
Net interest margin improved by 5 basis points to 3.56%, supported by lower funding costs and robust balance sheet growth.

Apr 21, 2025, 12:00 AM

8-K

Wintrust Financial Conference Call Highlights: Loan Growth, Strategic Acquisitions & Operational Strategy

WTFC

Guidance Update

M&A

New Projects/Investments

Wintrust Financial, a $65 billion Chicago-based bank, expects mid- to high single-digit loan growth for the year, backed by strong pipelines and competitive positioning .
Strategic moves feature the successful integration of the Macatawa acquisition in West Michigan and the active pursuit of M&A opportunities, signaling significant growth .
The firm’s robust premium finance business remains resilient in a hard market and comprises roughly one-third of its loan book, even as premium increases moderate .
Executives cited strong macro fundamentals with stable employment and robust commercial real estate, despite manageable pressures in sectors like office and transportation .
Focused operational strategy is evident as management anticipates mid-single-digit expense growth while investing in digital capabilities and risk management to drive operating leverage .

Mar 3, 2025, 3:26 PM

Transcript Transcript

Earnings Transcripts

Quarterly earnings call transcripts for WINTRUST FINANCIAL.

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