Wintrust Financial (WTFC) Q4 EPS Surpasses Expectations at $3.15
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Source: seekingalpha
- 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.
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Analyst Views on WTFC
Wall Street analysts forecast WTFC stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for WTFC is 139.33 USD with a low forecast of 130.00 USD and a high forecast of 145.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
10 Buy
1 Hold
0 Sell
Strong Buy
Current: 145.260
Low
130.00
Averages
139.33
High
145.00
Current: 145.260
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.
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.
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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.
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