Wintrust Financial (WTFC) investor relations material

Executive summary

• Achieved record net income of $227.4 million ($3.22 per diluted share) for Q1 2026, up $4.4 million sequentially and 20% year-over-year, marking the fifth consecutive quarter of record net income.

• Pre-tax, pre-provision income reached $330.5 million, a record high, slightly above the prior quarter and up 19% year-over-year.

• Loan and deposit growth was broad-based, with annualized increases of 7% and 8%, respectively, driven by diversified loan growth and robust deposit generation.

• Strategic focus on customer experience, disciplined growth, and prudent risk management.

Financial highlights

• Net income for Q1 2026 was $227.4 million, up $4.4 million from Q4 2025.

• Net interest margin was 3.56% (fully taxable-equivalent), up 2 bps sequentially and stable within a 3.50%-3.59% range over nine quarters.

• Non-interest income rose to $134.1 million, up $3.7 million sequentially and 15% year-over-year, led by wealth management and operating lease revenues.

• Non-interest expenses were $382.6 million, slightly lower than the prior quarter, with improved efficiency and overhead ratios.

• Diluted EPS was $3.22, up $0.07 sequentially.

Outlook and guidance

• Expect outsized loan growth in Q2, especially from Property and Casualty Premium Finance, with mid- to high-single-digit loan growth for the year.

• Net interest margin expected to remain stable around 3.5%, supported by hedging activities to moderate interest rate sensitivity.

• Expenses to be seasonally higher in Q2 but managed in line with revenue growth, targeting positive operating leverage.

• Capital ratios expected to improve with regulatory changes; CET1 ratio at 10.4% with plans to grow further.

• Management expects sustained balance sheet growth and ongoing investments to support shareholder value.