The earnings call presented a strong performance with record net income and solid loan and deposit growth, despite some challenges with increased expenses and muted mortgage activity. The company remains optimistic about its positioning and future growth prospects.

Company Guidance -

Q3 2025

In the second quarter of 2025, Wintrust Financial Corporation achieved a record quarterly net income of $195.5 million, marking an increase from $189 million in the previous quarter. Net interest income also reached a quarterly high at $547 million, driven by a $2.3 billion growth in loans, which reflects the seasonally strong second quarter in their premium finance business. Deposits grew by over $2 billion, contributing to a total asset growth of $3.1 billion, reaching $69 billion. The company anticipates continued mid- to high single-digit loan growth for the second half of the year, supported by a strong pipeline and ongoing deposit growth. Wintrust maintained its net interest margin within the target range of 3.54% and managed expenses despite increases in employee benefits and marketing. The credit quality remains robust, with nonperforming loans stable and charge-offs consistent at 11 basis points. Additionally, Wintrust completed a $425 million preferred stock offering, which impacted earnings per share calculations due to redemption costs of previous issuances. Overall, Wintrust's disciplined growth strategy continues to align with their financial expectations.

Record Quarterly Net Income

The company reported a record quarterly net income of $195.5 million, up from $189 million last quarter.

Strong Loan and Deposit Growth

Second quarter loan growth was $2.3 billion, representing a 19% increase on an annualized basis, while deposit growth was $2.2 billion, up 17% over the prior quarter on an annualized basis.

Stable Net Interest Margin

Net interest margin for the quarter remained comfortably within the target range at 3.54%.

Increase in Wealth Management Revenue

Wealth management revenue increased by $2.8 million in the second quarter due to asset valuation increases.

Tangible Book Value Growth

The company continued to build tangible book value per share, with growth every year since becoming a public company, and is on track to do so again in 2025.

Wintrust Financial (WTFC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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WTFC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 21, 2025	2025 (Q3)	2.61 / -	2.47	―	―	―
Jul 21, 2025	2025 (Q2)	2.60 / 2.78	2.32	19.83% (+0.46)
Apr 21, 2025	2025 (Q1)	2.49 / 2.69	2.89	-6.92% (-0.20)
Jan 21, 2025	2024 (Q4)	2.48 / 2.63	1.87	40.64% (+0.76)
Oct 21, 2024	2024 (Q3)	2.49 / 2.47	2.53	-2.37% (-0.06)
Jul 17, 2024	2024 (Q2)	2.42 / 2.32	2.38	-2.52% (-0.06)
Apr 17, 2024	2024 (Q1)	2.41 / 2.89	2.8	3.21% (+0.09)
Jan 17, 2024	2023 (Q4)	2.42 / 1.87	2.23	-16.14% (-0.36)
Oct 17, 2023	2023 (Q3)	2.41 / 2.53	2.21	14.48% (+0.32)
Jul 19, 2023	2023 (Q2)	2.38 / 2.38	1.49	59.73% (+0.89)

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
Jul 21, 2025	$131.38	$135.35	+3.02%
Apr 21, 2025	$100.99	$106.19	+5.15%
Jan 21, 2025	$135.80	$132.20	-2.65%
Oct 21, 2024	$110.99	$113.43	+2.20%

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 (WTFC) report earnings?

Wintrust Financial (WTFC) is schdueled to report earning on Oct 21, 2025, After Close (Confirmed).

What is Wintrust Financial (WTFC) earnings time?

Wintrust Financial (WTFC) earnings time is at Oct 21, 2025, 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 2025 (Q3) is 2.61.

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