Wintrust Financial Corp (WTFC)
NASDAQ:WTFC
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Earnings Data
Report Date
Jul 22, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
3.13Last Year’s EPS
2.78Same Quarter Last Year
Strong Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call was broadly constructive: management reported a fifth consecutive quarter of record net income, healthy organic loan and deposit growth, stable NIM (~3.56%), improving efficiency, and stable credit metrics (lower NPLs, reduced charge-offs). Revenue diversity (wealth management, operating leases) and strategic strengths (market awards, organic market share gains) provide momentum. Near-term headwinds are limited: mortgage banking remains subdued and rate-sensitive, special mention commercial loans ticked up (one-offs), and Q2 carries seasonal expense and capital considerations. Given the predominance of positive operating and credit metrics and manageable challenges, the tone and results are fundamentally positive.Company Guidance
Record Net Income — Fifth Consecutive Quarter
Net income of $227.0 million in Q1 2026, up from $223.0 million in the prior quarter (+1.8%) and up from $189.0 million in Q1 2025 (+20.1%), marking a fifth consecutive quarter of record net income.
Strong Loan and Deposit Growth
Quarter deposit growth of approximately $1.2 billion (an 8% increase on a prior-quarter annualized basis) and loan growth of roughly $966 million–$1.0 billion (about a 7% annualized growth rate). Period-end loans were ~ $1.2 billion higher than average loans for the quarter, providing momentum into Q2.
Stable and Sustainable Net Interest Margin
Net interest margin (NIM) of 3.56% for Q1 2026, within a stable nine-quarter range of 3.50%–3.59%. Loan yields moved down 13 basis points QoQ while interest-bearing deposit costs declined 16 basis points, resulting in a slightly improved gross spread; two fewer days in the quarter positively impacted NIM by ~2 bps.
Growing Earning Assets and Fee Income
Average earning assets increased by $555 million, which, together with a ~2 bps NIM improvement, nearly offset the impact of two fewer days in the quarter. Total noninterest income rose to $134.1 million from $130.4 million QoQ (+2.8%), led by strong wealth management and higher operating lease revenues.
Wealth Management Momentum
Wealth management revenue roughly $42 million in the quarter, described as a strong quarter with momentum; management expects forward revenue between Q4 and Q1 levels as a reasonable go-forward guide.
Controlled Expense Base and Improved Efficiency
Total noninterest expense was $382.6 million, slightly below the prior quarter's $384.5 million (decline of ~0.5%). Management reported well-controlled expenses and slight improvements in net overhead and efficiency ratios, and guided to mid-single-digit YoY expense growth for full-year 2026.
Stable Credit Quality
Nonperforming loans decreased to $182.8 million (0.34% of loans) from $185.8 million (0.35%). Charge-offs declined to 14 bps from 17 bps QoQ. Provision for credit losses remained consistent in the $20–$30 million quarterly range, reflecting stable asset quality.
CRE and Specialty Finance Visibility
Commercial real estate NPLs improved from 0.18% to 0.12%. CRE office exposure remained steady at $1.7 billion (11.7% of CRE; 3.1% of total loans). Exposure to nondepository financial institutions ~ $3.2 billion (~6% of total loans), with $1.8 billion tied to mortgage warehouse and $341 million in capital call facilities — management views these as well-understood, diversified, and managed portfolios.
Capital Position and Regulatory Tailwinds
CET1 capital was 10.4% at quarter-end. Management estimates the proposed standardized regulatory approach could reduce risk-weighted assets by ~6%–7%, equating to an approximate 60–70 basis point improvement in CET1 if adopted as proposed.
Operational/Strategic Wins and Recognition
All growth reported was organic, with continued new customer acquisition and market momentum. Wintrust received J.D. Power recognition for Illinois banking services and multiple Coalition Greenwich awards for commercial middle market banking, reinforcing competitive service differentiation.
WTFC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
WTFC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 20, 2026 | $148.79 | $150.26 | +0.99% |
Jan 20, 2026 | $144.22 | $151.01 | +4.71% |
Oct 20, 2025 | $125.62 | $128.46 | +2.26% |
Jul 21, 2025 | $129.90 | $133.82 | +3.02% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Wintrust Financial Corp (WTFC) report earnings?
Wintrust Financial Corp (WTFC) is schdueled to report earning on Jul 22, 2026, After Close (Confirmed).
What is Wintrust Financial Corp (WTFC) earnings time?
Wintrust Financial Corp (WTFC) earnings time is at Jul 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is WTFC EPS forecast?
WTFC EPS forecast for the fiscal quarter 2026 (Q2) is 3.13.