)
Visual
test
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026. - 6 FebARI
Proposed $9B real estate loan portfolio acquisition highlights disciplined, long-term strategy. - 6 FebSMCI
Q2 revenue jumped 123% to $12.7B, with FY26 guidance raised to at least $40B. - 6 FebRJF
Record revenues and assets, higher dividend, and acquisitions despite lower net income. - 6 FebFFIE
Raising capital for global EV and AI expansion, with regulatory and dilution risks highlighted.
Next Wintrust Financial earnings date
Q1 202621 Apr, 2026
Wintrust Financial
Next Wintrust Financial earnings date
Q1 202621 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage