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Wintrust Financial (WTFC)
NASDAQ:WTFC
Earnings Data
Report Date
Apr 22, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.96Last Year’s EPS
2.69Same Quarter Last Year
Strong Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong, broad-based operating momentum: record full-year and quarterly earnings, double-digit loan and deposit growth, stable margin and positive operating leverage, plus market share gains and solid credit metrics. The primary negatives were mortgage revenue weakness, a slight uptick in nonperforming loans, modestly higher noninterest expense items (notably health insurance), and some concentrated CRE office exposure — risks management is monitoring. Overall the positives materially outweigh the challenges.Company Guidance
Record Full-Year Net Income
Net income for full year 2025 was $824 million, up 19% from $695 million in 2024; diluted EPS was $11.40 versus $10.31 in 2024 (approximately +10.6%).
Quarterly Record Net Income and Strong Q4 Performance
Q4 net income was $223 million, a record for a quarter and up 3% ($7 million) from the prior quarter; quarter benefited from solid loan and deposit growth and a slightly improved margin.
Robust Loan and Deposit Growth
Full-year loans grew 11% and deposits grew 10% in 2025. In Q4 the firm added roughly $1.0 billion of deposits (annualized ~7%) and $1.0 billion of loans (annualized ~8%).
Stable and Healthy Net Interest Margin and Record NII
Net interest margin ranged 3.50%–3.56% during 2025 with Q4 at 3.54%; record quarterly net interest income driven by a $1.1 billion increase in average earning assets and a 4-basis-point NIM increase, producing a $16.9 million QoQ increase in NII.
Strong Operating Leverage
Net revenue increased 11.2% while noninterest expense growth was 3.4 percentage points lower (net revenue was 340 basis points higher than noninterest expense growth), demonstrating positive operating leverage while investing in the business.
Improved Capital and Tangible Book Value
Tangible book value rose by over $13 to nearly $89 per share; management reports steadily building capital while maintaining organic growth plans and an authorized buyback (~$200 million) available if appropriate.
Market Share Gains and Geographic Momentum
Moved into third position in deposit market share in the Chicago area; also reported strong market share gains in Wisconsin and West Michigan and continued momentum across core Midwestern markets.
Credit Metrics Largely Stable and Low Losses
Provision for credit losses remained consistent in the $20M–$30M quarterly range; charge-offs declined to 17 basis points from 19 basis points QoQ; management highlights disciplined monitoring and early problem identification.
CRE and Office Exposure Actively Managed
Commercial real estate NPLs decreased from 0.21% to 0.18%; CRE office exposure stands at $1.7 billion (12.1% of CRE, 3.2% of total loans) and is being monitored with quarterly deep dives.
Customer Experience Differentiation
Net Promoter Scores improved and were described as best-in-class in both retail and commercial banking, supporting the franchise's relationship-driven growth strategy.
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 |
|---|---|---|---|
Jan 20, 2026 | $144.72 | $151.54 | +4.71% |
Oct 20, 2025 | $126.06 | $128.91 | +2.26% |
Jul 21, 2025 | $130.35 | $134.29 | +3.02% |
Apr 21, 2025 | $100.20 | $105.36 | +5.15% |
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 Apr 22, 2026, After Close (Confirmed).
What is Wintrust Financial (WTFC) earnings time?
Wintrust Financial (WTFC) earnings time is at Apr 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 (Q1) is 2.96.