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Wintrust Financial (WTFC) investor relations material

Wintrust Financial Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary21 Oct, 2025

Executive summary

  • Achieved record net income of $216.3 million for Q3 2025, up 11% sequentially and 27% year-over-year, with year-to-date net income of $600.8 million, up 18% from prior year.

  • Net interest income reached a record $567 million in Q3, up $20 million from Q2, driven by strong loan and balance sheet growth.

  • Loan and deposit growth remained robust, with loans up $1 billion and deposits up $895 million in Q3; total loans at $52.1 billion and deposits at $56.7 billion.

  • Tangible book value per share increased to $85.39, continuing a multi-year growth trend.

  • Maintained stable net interest margin and strong credit quality, with non-performing loans at 0.31% of total loans.

Financial highlights

  • Net interest income: $567 million in Q3, up 4% sequentially and 13% year-over-year; net interest margin (non-GAAP) at 3.50%.

  • Non-interest income: $130.8 million in Q3, up $6.7 million from prior quarter, driven by wealth management, mortgage, and security gains.

  • Non-interest expenses: $380 million in Q3, slightly down from $381.5 million in Q2; efficiency ratio improved to 54.47%.

  • Return on assets was 1.26% and return on tangible common equity (non-GAAP) was 13.74% for Q3.

  • Diluted EPS for Q3 was $2.78, with a one-time impact from preferred stock transactions; adjusted EPS was $3.06.

Outlook and guidance

  • Expect continued loan and deposit growth in the mid to high single-digit range, with robust loan pipelines.

  • Net interest margin projected to remain stable around 3.5% through 2025, supported by hedging strategies.

  • Management expects continued net interest income expansion in Q4, with operating leverage expected to improve in 2026 if targets are met.

  • Optimistic about mortgage revenue improving next year if rates decline further.

  • Deposit market share gains are expected to continue, with strong progress in key Midwest markets.

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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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