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Wintrust Financial
Wintrust Financial (WTFC) investor relations material
Wintrust Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved record net income of $824 million for 2025, up 19% year-over-year, with EPS rising to $11.40 and tangible book value per share at $88.66, continuing a 29-year growth streak.
Total assets surpassed $71.1 billion at year-end, with strong loan and deposit growth and stable net interest margin throughout the year.
Delivered operating leverage, with net revenue up 11.2%, outpacing non-interest expense growth by 340 basis points.
Gained third position in deposit market share in Chicago, with notable gains in Wisconsin and West Michigan.
Maintained best-in-class Net Promoter Scores and received multiple awards for customer satisfaction and banking excellence.
Financial highlights
Fourth quarter net income reached a record $223 million, up 3% sequentially and 20% from Q4 2024.
Loans and deposits grew 11% and 10% year-over-year, respectively, with both increasing by $1.0 billion in Q4 2025.
Net interest income for 2025 reached $2.2 billion, up 13% year-over-year, with NIM improving to 3.54%.
Non-interest income was $130.4 million in Q4, nearly flat sequentially; non-interest expenses rose slightly to $384.5 million.
Efficiency ratio improved to 53.73% in Q4 2025, down 74 bps sequentially.
Outlook and guidance
Targets for 2026 include mid to high single-digit loan and deposit growth, with stable NIM around 3.5%.
Expects positive operating leverage, with revenue growth of 7.5%-8% and expense growth of 4%-5% off Q4 2025 run rate.
Management expects continued net interest income growth through 2026, supported by stable net interest margin and balance sheet growth.
Anticipates improved non-interest income from wealth management and service-based fees, with potential upside if mortgage market strengthens.
Guidance assumes a slightly improved mortgage market, not a dramatic drop in rates.
NIM outlook given loan yield vs funding cost trends
Qualitative factors for credit loss provision increase
Drivers of non-interest expense fluctuations
What are the key expense wild cards for 2026?
Why accept higher deposit costs than peers?
What is the strategic value of 16 charters?
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Next Wintrust Financial earnings date
Q1 202621 Apr, 2026
Wintrust Financial
Next Wintrust Financial earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Wintrust Financial Corporation operates as a financial holding company. The company engages in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers consumer, business, and commercial banking products and services to individuals and businesses through 25 community bank retail branches located throughout Southern California and Orange County. The Specialty Finance segment provides money market, asset-based lending, private-client investment management, dealer services, real estate services, and collateralized loan obligations transaction execution services to middle-market companies in a variety of industries. The Wealth Management segment provides trust and investment management services to high net worth individuals.
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