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Wintrust Financial Corp (WTFC)
NASDAQ:WTFC
Earnings Data
Report Date
Jan 21, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
2.92Last Year’s EPS
2.63Same Quarter Last Year
Strong Buy
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflected strong financial performance with record net income, significant loan and deposit growth, and improved credit metrics. However, there were slight pressures on interest margin and loan yields, and an increase in charge-offs, albeit still controlled. The sentiment leans positive due to the outweighing highlights.Company Guidance
Record Net Income
Wintrust reported a third consecutive quarter of record net income, reaching $216 million, up from $195 million last quarter, marking an almost 11% increase quarter over quarter.
Strong Loan and Deposit Growth
Loan growth of over $1 billion and deposit growth of just under $900 million were recorded, aligning with the company's mid to high single digits targeted growth range.
Improved Credit Performance
Nonperforming loans decreased from $189 million to $163 million, and charge-offs were reduced from 23 basis points in 2024 to 19 basis points in the third quarter.
Stable Net Interest Margin
The net interest margin remained stable at 3.5% despite a slight decrease from the prior quarter, with an expectation to maintain this margin in the near term.
Enhanced Market Position
Wintrust achieved deposit share gains in key markets and debuted at number six on American Bankers' nationwide survey of bank reputation.
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 |
|---|---|---|---|
Oct 20, 2025 | $126.55 | $129.41 | +2.26% |
Jul 21, 2025 | $130.85 | $134.81 | +3.03% |
Apr 21, 2025 | $100.58 | $105.77 | +5.16% |
Jan 21, 2025 | $135.25 | $131.67 | -2.65% |
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 Jan 21, 2026, After Close (Confirmed).
What is Wintrust Financial Corp (WTFC) earnings time?
Wintrust Financial Corp (WTFC) earnings time is at Jan 21, 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 2025 (Q4) is 2.92.