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Wintrust Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Achieved record net income of $216.3 million for Q3 2025, up 27% year-over-year and 11% sequentially, with year-to-date net income at $600.8 million, up 18% year-over-year.
Strong organic loan and deposit growth, with loans up $1.0 billion and deposits up $894.6 million in Q3; total loans reached $52.1 billion and deposits $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 and non-performing assets at 0.27% of total assets.
Continued to gain deposit market share in key Midwest markets, now third in Illinois.
Financial highlights
Net interest income for Q3 2025 was $567.0 million, up 4% sequentially and 13% year-over-year, with a net interest margin of 3.48% (3.50% fully taxable-equivalent).
Non-interest income rose to $130.8 million, up $6.7 million sequentially and 16% year-over-year, driven by wealth management, mortgage, and security gains.
Non-interest expense was $380.0 million, slightly down from Q2 and up 5% year-over-year, with improved efficiency and overhead ratios.
Diluted EPS for Q3 2025 was $2.78, with a one-time impact from preferred stock transactions; adjusted EPS was $3.06.
Return on average assets was 1.26% and return on average common equity was 11.58% for Q3 2025.
Outlook and guidance
Management expects continued net interest income expansion and loan growth in the mid- to high-single digits for the remainder of 2025, supported by stable net interest margin and strong pipelines.
Net interest margin projected to remain stable around 3.5% even with anticipated Fed rate cuts, aided by hedging strategies.
Deposit market share gains are expected to continue, with solid progress in Illinois, Wisconsin, and west Michigan.
Operating leverage expected to improve in 2026 if balance sheet and expense growth targets are met.
Optimistic about mortgage revenue improving next year if rates decline further.
What drove Q3 commercial charge-off spike?
NIM impact from declining SOFR/CMT rates?
Strategic benefits of preferred stock redemption
Explain NIM stability with expected Fed rate cuts
How does Wintrust gain loan market share?
M&A vs. organic growth strategy for Wintrust
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Next Wintrust Financial earnings date
Q4 202521 Jan, 2026
Next Wintrust Financial earnings date
Q4 202521 Jan, 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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