Wintrust Financial (WTFC) investor relations material

Executive summary

• Q3 net income reached a record $239.1M, or $3.37 diluted EPS, extending the streak to seven consecutive quarterly records.

• Nine-month net income was $700.1M, up 17% YoY, with diluted EPS of $9.89, up 20%.

• Total assets were $76.0B at September 30, up 9% YoY; loans rose 9% and deposits rose 10%.

Financial highlights

• Q3 net interest income reached a record $621.6M, versus $597.4M in Q2 and $567.0M in Q3 2025.

• Net revenue was $757.9M versus $738.6M QoQ; noninterest income fell to $136.3M from $141.3M, reflecting lower mortgage revenue and securities losses.

• Noninterest expense rose to $405.7M from $397.5M, driven mainly by seasonal marketing and higher FDIC expense; excluding Q2's $5.2M FDIC reversal, the increase was $2.9M.

• Q3 pre-tax income excluding provision for credit losses was a quarterly record $352.2M; nine-month pre-tax, pre-provision income was $1.0B, up 16%.

Outlook and guidance

• Q4 loan and deposit growth expected in the mid-to-high single digits; NIM outlook remains stable at plus or minus 3.5%.

• Solid commercial and CRE pipelines, balance-sheet growth and expense discipline expected to support continued revenue growth and positive operating leverage.

• Q4 expenses expected to remain consistent with Q3; annual expense growth expected in the mid-single digits absent acquisitions or a major mortgage recovery. Q4 mortgage revenue expected near $20M, plus or minus, including $10M-$11M from servicing.