Earnings summaries and quarterly performance for WINTRUST FINANCIAL.
Executive leadership at WINTRUST FINANCIAL.
Timothy S. Crane
Detailed
President and Chief Executive Officer
CEO
DA
David A. Dykstra
Vice Chairman and Chief Operating Officer
DE
David E. Lee
Executive Vice President and Senior Market Head of Wintrust Banks
DL
David L. Stoehr
Executive Vice President and Chief Financial Officer
EJ
Edward J. Wehmer
Founder and Senior Advisor
JD
Jeffrey D. Hahnfeld
Executive Vice President, Controller and Chief Accounting Officer
KM
Kathleen M. Boege
Executive Vice President, Chief Legal Officer and Corporate Secretary
RB
Richard B. Murphy
Vice Chairman and Chief Lending Officer
TP
Thomas P. Zidar
Executive Vice President and Senior Market Head of Wealth Management Services
Board of directors at WINTRUST FINANCIAL.
AE
Alex E. Washington, III
Detailed
Director
BA
Brian A. Kenney
Detailed
Director
DS
David S. Richter
Detailed
Director
DL
Deborah L. Hall Lefevre
Detailed
Director
EH
Elizabeth H. Connelly
Detailed
Director
GA
Gregory A. Smith
Detailed
Director
HP
H. Patrick Hackett, Jr.
Detailed
Chairman of the Board
KG
Karin Gustafson Teglia
Detailed
Director
LK
Laura Kohl
Detailed
Director
MF
Marla F. Glabe
Detailed
Director
PD
Peter D. Crist
Detailed
Director
SM
Suzet M. McKinney
Detailed
Director
WJ
William J. Doyle
Detailed
Director
Research analysts who have asked questions during WINTRUST FINANCIAL earnings calls.
Jon Arfstrom
RBC Capital Markets
7 questions for WTFC
Also covers: ALLY, ASB, BFH +24 more
NR
Nathan Race
Piper Sandler & Co.
7 questions for WTFC
Also covers: ALRS, BSVN, BWB +18 more
Jared Shaw
Barclays
6 questions for WTFC
Also covers: ASB, BANC, BKU +23 more
Jeff Rulis
D.A. Davidson & Co.
6 questions for WTFC
Also covers: ALRS, BANR, BMRC +17 more
David Long
Raymond James Financial, Inc.
5 questions for WTFC
Also covers: ALRS, BY, EFSC +10 more
Brendan Nosal
Hovde Group, LLC
4 questions for WTFC
Also covers: ALRS, BWB, BY +11 more
Christopher McGratty
Keefe, Bruyette & Woods
4 questions for WTFC
Also covers: ASB, BAC, BANC +35 more
TM
Terry McEvoy
Stephens Inc.
4 questions for WTFC
Also covers: ASB, BY, CIVB +9 more
Ben Gerlinger
Citigroup
3 questions for WTFC
Also covers: BKU, BPOP, CADE +10 more
CH
Casey Haire
Jefferies
3 questions for WTFC
Also covers: ASB, CADE, CFR +12 more
DC
David Chiaverini
Wedbush Securities Inc.
3 questions for WTFC
Also covers: AX, BANC, BOKF +17 more
JL
Janet Lee
TD Cowen
3 questions for WTFC
Also covers: AUB, COLB, EBC +16 more
BH
Bill Happle
Choo-Choo V Research
2 questions for WTFC
CM
Chris McGratty
KBW
2 questions for WTFC
Also covers: BAC, C, CBC +18 more
NH
Nicholas Holowko
UBS Group AG
2 questions for WTFC
Also covers: CMA, FCNCA, FHN +5 more
AS
Andrew Steven Leischner
Keefe, Bruyette & Woods
1 question for WTFC
Also covers: CATY, FFBC, FHN +3 more
Benjamin Gerlinger
Citigroup Inc.
1 question for WTFC
Also covers: BANC, BKU, BOKF +18 more
Brandon Rud
Stephens Inc.
1 question for WTFC
Also covers: BWB, BY, MSBI +2 more
Jackson Singleton
Autonomous Research
1 question for WTFC
Also covers: PNFP, TCBI, WBS
JR
John Rao
Barclays
1 question for WTFC
KW
Kylie Wong
Citigroup
1 question for WTFC
TM
Terence McEvoy
Stephens Inc.
1 question for WTFC
Also covers: ASB, BY, CIVB +10 more
Recent press releases and 8-K filings for WTFC.
Wintrust Financial Corporation Announces Increased Quarterly Common Stock Dividend
WTFC
Dividends
- Wintrust Financial Corporation's Board of Directors approved a quarterly cash dividend of $0.55 per share of outstanding common stock.
- This new dividend rate represents a 10% increase from the $0.50 quarterly cash dividend paid in each quarter of 2025.
- The common stock dividend is payable on February 19, 2026, to shareholders of record as of February 5, 2026.
- Additionally, a cash dividend was approved for the Company's 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, payable on April 15, 2026.
Jan 22, 2026, 9:10 PM
Wintrust Financial Corporation Announces Q4 and Full Year 2025 Results
WTFC
Earnings
Revenue Acceleration/Inflection
- WTFC reported record net income of $223.0 million for Q4 2025 and $823.8 million for the full year 2025, with diluted EPS of $11.40 for the full year.
- As of December 31, 2025, total assets reached $71.1 billion, total loans increased by approximately $1.0 billion in Q4 to $53.1 billion, and total deposits grew by approximately $1.0 billion in Q4 to $57.7 billion.
- The company's Q4 2025 net interest margin was 3.54%, and the efficiency ratio improved to 53.73%.
- Tangible book value per common share (non-GAAP) increased to $88.66 as of December 31, 2025, and non-performing loans totaled $186 million, representing 0.35% of total loans.
Jan 21, 2026, 4:00 PM
Wintrust Financial Corporation Reports Record 2025 Results and Provides 2026 Outlook
WTFC
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Wintrust Financial Corporation reported record net income of $824 million and diluted EPS of $11.40 for full year 2025, an increase of 19% and 10.6% respectively from 2024.
- For Q4 2025, net income was $223 million, with $1.0 billion in deposit growth and $1.0 billion in loan growth. Full year 2025 saw loans grow 11% and deposits 10%.
- The company achieved solid operating leverage in 2025, with net revenue up 11.2%, 340 basis points higher than non-interest expense.
- For 2026, Wintrust targets mid to high single-digit loan growth funded by similar deposit growth, expects a stable net interest margin around 3.5%, and plans to deliver positive operating leverage.
- Management is optimistic about potential upside in the mortgage market for 2026, especially if rates drop, and will continue to benefit from competitor disruption.
Jan 21, 2026, 4:00 PM
Wintrust Financial Corporation Reports Record Q4 and Full Year 2025 Results, Provides 2026 Outlook
WTFC
Earnings
Guidance Update
- Wintrust Financial Corporation (WTFC) achieved record net income for both the fourth quarter and full year 2025, with full year net income reaching $824 million (up 19% from 2024) and diluted earnings per share of $11.40.
- The company reported solid loan and deposit growth in Q4 2025, with both increasing by approximately $1.0 billion, and full year 2025 loan and deposit growth of 11% and 10%, respectively.
- Net interest income reached a record quarterly amount in Q4 2025, driven by increased earning assets and a net interest margin of 3.54% for the quarter, while credit quality remained solid with non-performing loans at 35 basis points.
- For 2026, WTFC anticipates mid to high single-digit loan and deposit growth, a stable net interest margin around 3.5%, and expects to deliver positive operating leverage with expenses growing in the 4%-5% range off the Q4 2025 run rate.
Jan 21, 2026, 4:00 PM
Wintrust Financial Corporation Reports Record Full Year 2025 Results and Provides 2026 Outlook
WTFC
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Wintrust Financial Corporation reported record net income for full year 2025 of $824 million, a 19% increase from 2024, with diluted earnings per share of $11.40.
- The company achieved strong loan and deposit growth in Q4 2025, with both increasing by approximately $1.0 billion, representing 8% and 7% annualized growth, respectively. For the full year 2025, loans grew 11% and deposits 10%.
- The net interest margin for Q4 2025 was 3.54%, falling within the 3.50% to 3.56% range for the year and contributing to a record level of net interest income.
- For 2026, Wintrust expects mid to high single-digit loan and deposit growth and anticipates the net interest margin to remain stable around 3.5%.
- Credit performance remained solid in Q4 2025, with non-performing loans at $185.8 million (35 basis points) and charge-offs at 17 basis points.
Jan 21, 2026, 4:00 PM
Wintrust Financial Corporation Reports Record Q4 and Full-Year 2025 Results
WTFC
Earnings
Revenue Acceleration/Inflection
- Wintrust Financial Corporation reported record net income of $223.0 million or $3.15 per diluted common share for the fourth quarter of 2025, and record annual net income of $823.8 million or $11.40 per diluted common share for the year ended December 31, 2025.
- The company achieved record quarterly pre-tax, pre-provision income of $329.8 million and record net interest income of $583.9 million in the fourth quarter of 2025, with the net interest margin improving to 3.54% (fully taxable-equivalent, non-GAAP).
- Total assets increased by $1.5 billion (9% annualized), total loans by $1.0 billion (8% annualized), and total deposits by $1.0 billion (7% annualized) in the fourth quarter of 2025.
- Tangible book value per common share increased to $88.66 as of December 31, 2025.
Jan 20, 2026, 10:10 PM
Wintrust Financial Corp. Amends Credit Agreement, Extends Maturity Date, and Reduces Commitment Fee
WTFC
Debt Issuance
- Wintrust Financial Corporation (WTFC) executed a Fourth Amendment to its Amended and Restated Credit Agreement on December 4, 2025, extending the Revolving Credit Maturity Date from December 5, 2025, to December 3, 2026.
- A Fifth Amendment was also entered into on December 4, 2025, which decreases the Commitment Fee on the unused portion of the Revolving Credit Commitment from 0.30% per annum to 0.25% per annum.
- The Fourth Amendment additionally incorporates new outbound investment rule provisions and updates to the confidentiality clause.
Dec 8, 2025, 9:13 PM
WinTrust Financial Corporation Reports Record Q3 2025 Net Income and Net Interest Income
WTFC
Earnings
Guidance Update
M&A
- 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
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
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
Quarterly earnings call transcripts for WINTRUST FINANCIAL.
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