Wintrust Financial Corporation
NASDAQ•WTFC
CEO: Mr. Timothy S. Crane
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1998-04-16
Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty premium financing; as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides wealth management services, such as trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
Contact Information
Market Cap
$9.45B
P/E (TTM)
12.0
14.8
Dividend Yield
1.4%
52W High
$141.69
52W Low
$89.10
52W Range
Rank46Top 45.7%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024
Financial Dashboard
Q3 2025 Data
Revenue
$1.09B+7.14%
4-Quarter Trend
EPS
$2.82+12.35%
4-Quarter Trend
FCF
$217.08M-377.15%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Net Income Growth Strong Q3 Net Income reached $216.3M, marking a significant 27% increase year-over-year, driven by strong earning asset growth.
NII Growth Offsets Margin Pressure Net Interest Income grew 13% to $567.0M for Q3, as asset growth offset a slight 1 basis point NIM compression.
Asset Quality Continues Improving Total assets grew to $69.63B. Non-performing loan ratio improved to 0.31% (down from 0.34% YoY).
Capital Ratios Remain Robust Common Equity Tier 1 ratio stands at 10.2%, exceeding regulatory minimums and showing capital strength improvement.
Risk Factors
Non-Interest Expense Rising Non-interest expense increased 5% to $380.0M in Q3, primarily due to higher salaries, benefits, and software investment costs.
NIM Sensitivity to Rates Static Shock Scenarios indicate potential negative impact on NII from rate fluctuations, though management is actively hedging.
Loan Portfolio Concentration Commercial and CRE loans represent 89% of the loan portfolio, concentrating exposure in primary markets like Illinois.
Acquisition Intangible Amortization Amortization of acquisition intangibles rose significantly, driven by Macatawa acquisition, increasing non-interest expense pressure.
Outlook
Continued Asset Growth Expected Loan portfolio increased 11% YoY to $52.1B, supported by growth in CRE, residential, and premium finance receivables.
Macroeconomic Overlay Applied Management applied a macroeconomic uncertainty qualitative overlay when assessing ACL due to ongoing economic uncertainties.
Deposit Retention Focus Increased marketing efforts are underway to retain and attract deposits to support continued loan growth targets.
Hedging Strategy Ongoing Management continues to use derivatives (swaps, collars, floors) to hedge variable-rate loan exposures and manage NIM volatility.
Peer Comparison
Revenue (TTM)
CFG$11.05B
WAL$5.21B
ZION$4.95B
Gross Margin (Latest Quarter)
FHN100.6%
CFG92.7%
WAL69.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CFG | $25.11B | 14.8 | 6.8% | 4.8% |
| FHN | $12.28B | 13.6 | 10.0% | 6.7% |
| WBS | $10.71B | 11.4 | 10.0% | 1.5% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.1%
Moderate Growth
4Q Net Income CAGR
5.3%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Research & Insights
Next earnings:Jan 20, 2026
EPS:$2.93
|Revenue:$700.66M
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 6, 2025|Revenue: $1.09B+7.1%|EPS: $2.82+12.4%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 6, 2025|Revenue: $1.04B+7.6%|EPS: $2.82+20.0%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 5, 2025|Revenue: $1.00B+6.1%|EPS: $2.73-6.8%BeatForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 28, 2025|Revenue: $3.97B+19.2%|EPS: $10.47+7.7%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 8, 2024|Revenue: $1.02B+16.8%|EPS: $2.51-2.3%MeetForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 8, 2024|Revenue: $971.13M+19.9%|EPS: $2.35-2.5%MeetForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 9, 2024|Revenue: $945.97M+26.6%|EPS: $2.93+3.2%BeatForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 28, 2024|Revenue: $3.33B+50.7%|EPS: $9.72+19.4%Beat