Wintrust Financial Corporation (WTFC) Q3 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 21 2025
0mins
Should l Buy WTFC?
Source: SeekingAlpha
Net Income $216 million, up from $195 million last quarter, an increase of almost 11% quarter-over-quarter. The increase was driven by a differentiated approach to understanding clients' needs and delivering solutions.
Net Interest Income $567 million, up $20 million from the second quarter. This was driven by solid loan and overall balance sheet growth.
Loan Growth $1 billion for the quarter, representing an 8% increase on an annualized basis. Growth was broad-based and reflects the diversified composition of earning assets.
Total Loans $52 billion at quarter end, up 11% year-to-date on an annualized basis. Growth was attributed to diversified earning assets.
Deposit Growth $895 million for the quarter, representing a 6% increase over the prior quarter on an annualized basis. Growth kept pace with loan growth.
Total Deposits $57 billion at the end of the third quarter. The rate paid on interest-bearing deposits was essentially flat compared to the prior quarter, up just 1 basis point.
Net Interest Margin 3.50% for the quarter, down slightly from the prior quarter but within the targeted range. Stability was maintained despite the current interest rate environment.
Noninterest Income $130.8 million in the third quarter, up approximately $6.7 million compared to the prior quarter. The increase was supported by higher wealth management and mortgage revenue, higher security gains, and other smaller changes.
Noninterest Expenses $380 million in the third quarter, a slight decline from $381.5 million in the prior quarter. Expenses were well controlled, with improvements in the net overhead ratio and efficiency ratio.
Nonperforming Loans (NPLs) Decreased from $189 million (37 basis points) to $163 million (31 basis points). This reflects a stable credit environment.
Charge-offs 19 basis points for the quarter, up from 11 basis points in the prior quarter but down from 23 basis points in Q3 2024. Primarily related to the resolution of previously reserved credits.
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Analyst Views on WTFC
Wall Street analysts forecast WTFC stock price to fall
11 Analyst Rating
10 Buy
1 Hold
0 Sell
Strong Buy
Current: 150.540
Low
130.00
Averages
139.33
High
145.00
Current: 150.540
Low
130.00
Averages
139.33
High
145.00
About WTFC
Wintrust Financial Corporation is a financial holding company. It provides community-oriented, personal and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana and west Michigan. Its segments include community banking, specialty finance and wealth management. Through its community banking segment, its banks provide community-oriented, personal and commercial banking services to customers located in its market area. Its customers include individuals, small to mid-sized businesses, local governmental units and institutional clients residing primarily in the banks' local service areas. Through its specialty finance segment, it offers financing of insurance premiums for businesses and individuals; accounts receivable financing, value-added, out-sourced administrative services; and other specialty finance businesses. Through its wealth management segment, it offers a full range of wealth management services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Shaker Investments Fully Exits Wintrust Financial Stake
- Share Sale Overview: On January 30, Shaker Investments disclosed via an SEC filing that it sold its entire stake of 26,185 shares in Wintrust Financial for approximately $3.47 million, indicating a diminished confidence in the company.
- Asset Management Impact: This sale reduced Shaker Investments' position value in Wintrust Financial by 1.44%, reflecting a cautious outlook on the company's future performance and suggesting a strategic shift in its investment focus.
- Market Performance Comparison: As of January 29, Wintrust Financial's stock was priced at $147.90, up 13.2% over the past year, yet it underperformed the S&P 500 by about 2 percentage points, highlighting its relative market weakness.
- Portfolio Restructuring: Shaker Investments now has over 30% of its assets concentrated in industrials and mega-cap tech stocks, indicating a strategic pivot towards companies with greater scale and pricing power, which may yield faster capital appreciation in the future.
See More
Wintrust Financial Reports Record $824 Million Net Income for 2025, Up 19%
- Record Net Income: Wintrust Financial Corp achieved a record net income of $824 million for 2025, representing a 19% increase from 2024, demonstrating strong performance and heightened market demand, thereby boosting investor confidence.
- Earnings Per Share Growth: Diluted earnings per share rose to $11.40, up from $10.31 in 2024, reflecting ongoing improvements in profitability, which helps attract more investor interest in its stock.
- Loan and Deposit Growth: Loans and deposits grew by 11% and 10% respectively in 2025, indicating the company's competitive strength and expanding customer base, further solidifying its position in the financial services industry.
- Stable Credit Quality: Although nonperforming loans increased to $185.8 million, overall credit quality remains strong, showcasing the company's effectiveness in risk management and laying a solid foundation for future growth.
See More
Wintrust Financial Corporation (WTFC) Reports Record $824 Million Net Income for 2025
- Record Net Income: Wintrust Financial Corporation achieved a record net income of $824 million in 2025, representing a 19% increase from 2024, showcasing the company's strong performance and enhanced profitability, which solidifies its position in the financial services sector.
- Asset and Shareholder Value Growth: Total assets surpassed $71 billion at year-end, with tangible book value increasing by over $13 to nearly $89 per share, reflecting the company's ongoing efforts in asset management and shareholder returns, thereby boosting investor confidence.
- Deposit and Loan Growth: The company reported $1 billion in deposit growth during Q4, representing a 7% annualized increase, while loan growth also reached $1 billion, with an 8% annualized increase, indicating strong demand in the credit market and effective fund management strategies.
- Future Outlook and Strategy: Management anticipates mid- to high single-digit growth in loans and deposits for 2026, and despite challenges from seasonal fluctuations, the company remains focused on organic growth and stable margins to capitalize on market opportunities.
See More
Wintrust Financial Corp. Reports Q4 Earnings of $223 Million, Beating Estimates
- Significant Earnings Growth: Wintrust Financial Corp. reported Q4 earnings of $223 million, or $3.15 per share, marking a substantial increase from last year's $185 million and $2.63 per share, exceeding analysts' expectations of $2.95, showcasing the company's robust profitability.
- Revenue Increase: The company's revenue rose 11.8% year-over-year to $714.26 million from $638.60 million last year, reflecting enhanced business expansion and market demand, further solidifying its market position.
- Exceeding Market Expectations: This earnings report not only highlights the dual growth in profits and revenue but also demonstrates the company's resilience in facing economic challenges, boosting investor confidence in its future performance.
- Strategic Development Potential: With the increase in earnings and revenue, Wintrust Financial Corp. may intensify investments in new business and market expansion, thereby laying a foundation for future growth and enhancing its competitiveness in the financial services industry.
See More
Wintrust Financial Reports Record $823.8M Net Income for 2025, Up 19%
- Record Annual Net Income: Wintrust Financial achieved a record net income of $823.8 million for 2025, translating to $11.40 per diluted share, marking a 19% increase from $695 million and $10.31 per share in 2024, demonstrating robust growth in both loans and deposits.
- Strong Quarterly Performance: The company reported a net income of $223 million for Q4 2025, or $3.15 per diluted share, up from $216.3 million and $2.78 per share in Q3 2025, reflecting solid performance and enhanced profitability in the market.
- Significant Growth in Net Interest Income: Net interest income for Q4 2025 reached $583.9 million, an increase of $16.9 million from $567 million in Q3 2025, primarily driven by improved net interest margin and growth in average earning assets, further solidifying the company's financial foundation.
- Loan and Deposit Growth: In Q4 2025, Wintrust saw total loans and deposits increase by $1 billion each, with annualized growth rates of 8% and 7% respectively, indicating strong demand in the credit market and an expanding customer base.
See More
Wintrust Financial (WTFC) Q4 EPS Surpasses Expectations at $3.15
- Strong Earnings Performance: Wintrust Financial reported a Q4 GAAP EPS of $3.15, exceeding expectations by $0.23, which reflects the company's robust profitability and enhances investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $714.26 million, marking an 11.8% year-over-year increase and surpassing market expectations by $12.13 million, indicating sustained strong demand and business expansion.
- Positive Market Reaction: The better-than-expected earnings report is likely to drive Wintrust Financial's stock price upward, attracting more investor interest and further solidifying its market position.
- Optimistic Future Outlook: With ongoing operational optimization and market expansion, the company is expected to maintain strong financial performance in the coming quarters, bolstering its competitiveness in the financial services sector.
See More
Shaker Investments Fully Exits Wintrust Financial Stake
- Share Sale Overview: On January 30, Shaker Investments disclosed via an SEC filing that it sold its entire stake of 26,185 shares in Wintrust Financial for approximately $3.47 million, indicating a diminished confidence in the company.
- Asset Management Impact: This sale reduced Shaker Investments' position value in Wintrust Financial by 1.44%, reflecting a cautious outlook on the company's future performance and suggesting a strategic shift in its investment focus.
- Market Performance Comparison: As of January 29, Wintrust Financial's stock was priced at $147.90, up 13.2% over the past year, yet it underperformed the S&P 500 by about 2 percentage points, highlighting its relative market weakness.
- Portfolio Restructuring: Shaker Investments now has over 30% of its assets concentrated in industrials and mega-cap tech stocks, indicating a strategic pivot towards companies with greater scale and pricing power, which may yield faster capital appreciation in the future.
See More
Wintrust Financial Reports Record $824 Million Net Income for 2025, Up 19%
- Record Net Income: Wintrust Financial Corp achieved a record net income of $824 million for 2025, representing a 19% increase from 2024, demonstrating strong performance and heightened market demand, thereby boosting investor confidence.
- Earnings Per Share Growth: Diluted earnings per share rose to $11.40, up from $10.31 in 2024, reflecting ongoing improvements in profitability, which helps attract more investor interest in its stock.
- Loan and Deposit Growth: Loans and deposits grew by 11% and 10% respectively in 2025, indicating the company's competitive strength and expanding customer base, further solidifying its position in the financial services industry.
- Stable Credit Quality: Although nonperforming loans increased to $185.8 million, overall credit quality remains strong, showcasing the company's effectiveness in risk management and laying a solid foundation for future growth.
See More
Wintrust Financial Corporation (WTFC) Reports Record $824 Million Net Income for 2025
- Record Net Income: Wintrust Financial Corporation achieved a record net income of $824 million in 2025, representing a 19% increase from 2024, showcasing the company's strong performance and enhanced profitability, which solidifies its position in the financial services sector.
- Asset and Shareholder Value Growth: Total assets surpassed $71 billion at year-end, with tangible book value increasing by over $13 to nearly $89 per share, reflecting the company's ongoing efforts in asset management and shareholder returns, thereby boosting investor confidence.
- Deposit and Loan Growth: The company reported $1 billion in deposit growth during Q4, representing a 7% annualized increase, while loan growth also reached $1 billion, with an 8% annualized increase, indicating strong demand in the credit market and effective fund management strategies.
- Future Outlook and Strategy: Management anticipates mid- to high single-digit growth in loans and deposits for 2026, and despite challenges from seasonal fluctuations, the company remains focused on organic growth and stable margins to capitalize on market opportunities.
See More
Wintrust Financial Corp. Reports Q4 Earnings of $223 Million, Beating Estimates
- Significant Earnings Growth: Wintrust Financial Corp. reported Q4 earnings of $223 million, or $3.15 per share, marking a substantial increase from last year's $185 million and $2.63 per share, exceeding analysts' expectations of $2.95, showcasing the company's robust profitability.
- Revenue Increase: The company's revenue rose 11.8% year-over-year to $714.26 million from $638.60 million last year, reflecting enhanced business expansion and market demand, further solidifying its market position.
- Exceeding Market Expectations: This earnings report not only highlights the dual growth in profits and revenue but also demonstrates the company's resilience in facing economic challenges, boosting investor confidence in its future performance.
- Strategic Development Potential: With the increase in earnings and revenue, Wintrust Financial Corp. may intensify investments in new business and market expansion, thereby laying a foundation for future growth and enhancing its competitiveness in the financial services industry.
See More
Wintrust Financial Reports Record $823.8M Net Income for 2025, Up 19%
- Record Annual Net Income: Wintrust Financial achieved a record net income of $823.8 million for 2025, translating to $11.40 per diluted share, marking a 19% increase from $695 million and $10.31 per share in 2024, demonstrating robust growth in both loans and deposits.
- Strong Quarterly Performance: The company reported a net income of $223 million for Q4 2025, or $3.15 per diluted share, up from $216.3 million and $2.78 per share in Q3 2025, reflecting solid performance and enhanced profitability in the market.
- Significant Growth in Net Interest Income: Net interest income for Q4 2025 reached $583.9 million, an increase of $16.9 million from $567 million in Q3 2025, primarily driven by improved net interest margin and growth in average earning assets, further solidifying the company's financial foundation.
- Loan and Deposit Growth: In Q4 2025, Wintrust saw total loans and deposits increase by $1 billion each, with annualized growth rates of 8% and 7% respectively, indicating strong demand in the credit market and an expanding customer base.
See More
Wintrust Financial (WTFC) Q4 EPS Surpasses Expectations at $3.15
- Strong Earnings Performance: Wintrust Financial reported a Q4 GAAP EPS of $3.15, exceeding expectations by $0.23, which reflects the company's robust profitability and enhances investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $714.26 million, marking an 11.8% year-over-year increase and surpassing market expectations by $12.13 million, indicating sustained strong demand and business expansion.
- Positive Market Reaction: The better-than-expected earnings report is likely to drive Wintrust Financial's stock price upward, attracting more investor interest and further solidifying its market position.
- Optimistic Future Outlook: With ongoing operational optimization and market expansion, the company is expected to maintain strong financial performance in the coming quarters, bolstering its competitiveness in the financial services sector.
See More
