The earnings call highlights Wintrust Financial's record net income and strong loan and deposit growth, driven by strategic initiatives and a stable credit environment. However, challenges such as muted mortgage activity and rising expenses were noted. The company remains optimistic about future growth and stability.

Company Guidance

During the second quarter of fiscal year 2025, Wintrust Financial Corporation reported record net income of $195.5 million, up from $189 million in the previous quarter. Net interest income also reached a quarterly high of $547 million, driven by a robust loan growth of $2.3 billion. Deposit growth stood at over $2 billion, contributing to the total asset growth to $69 billion. The company anticipates continued mid- to high single-digit loan growth and expects deposit growth to fund this expansion. Net interest margin for the quarter remained stable at 3.54%. Wealth management revenue increased by $2.8 million, while noninterest income totaled $124.1 million. Noninterest expenses rose to $381.5 million due to higher employee benefits and seasonal advertising expenses. The firm closed a $425 million preferred stock issuance, which will impact the third-quarter earnings per share calculations. Lastly, Wintrust plans to maintain strong credit quality, with nonperforming loans and charge-offs remaining low.

Record Net Income and Loan Growth

Wintrust Financial reported record quarterly net income of $195.5 million, up from $189 million last quarter. The company also achieved second quarter loan growth of $2.3 billion.

Strong Deposit and Asset Growth

Wintrust saw good deposit growth during the quarter of over $2 billion, with total assets growing to $69 billion. This reflects a 17% increase in deposit growth over the prior quarter on an annualized basis.

Stable Credit Quality

Credit quality remains very good with nonperforming loans as a percentage of total loans relatively stable and charge-offs for the quarter unchanged at 11 basis points.

Successful Preferred Stock Issuance

Wintrust closed a $425 million Series F preferred stock issuance to redeem $412.5 million of Series D and E preferred stock, which was set to reprice at higher rates.

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	$130.85	$134.81	+3.03%
Apr 21, 2025	$100.58	$105.77	+5.16%
Jan 21, 2025	$135.25	$131.67	-2.65%
Oct 21, 2024	$110.54	$112.97	+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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