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Wintrust Financial Corp (WTFC)
NASDAQ:WTFC
Earnings Data
Report Date
Jul 16, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
2.56Last Year’s EPS
2.32Same Quarter Last Year
Strong Buy
Based on 8 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 0.00%
|Next Earnings Date:Jul 16, 2025
Earnings Call Sentiment|Positive
The earnings call reflected solid financial performance with record net interest income and strong loan and deposit growth. Credit performance was stable, and the bank received several awards for customer service and employment practices. However, economic uncertainty related to potential tariffs and funding cuts caused some concern, leading to a slightly increased provision for credit losses and a minor increase in commercial real estate non-performing loans. Despite these challenges, the overall performance and outlook remain positive.Company Guidance
During the first quarter of 2025, Wintrust Financial Corporation reported a quarterly net income of $189 million and a record net interest income of $526 million, despite having two fewer business days compared to the previous period. The company experienced loan growth of over $650 million and deposit growth of over $1.1 billion, maintaining a loan-to-deposit ratio of approximately 91%. The net interest margin improved to 3.56%, up five basis points from the prior quarter. Charge-offs declined to 11 basis points, and the provision for credit losses was $24 million. Non-interest income increased by $3.2 million to $116.6 million, while non-interest expenses decreased by $2.4 million to $366.1 million. The company expects a solid second quarter in terms of loan growth, with continued stability in the net interest margin. Wintrust's capital position improved, with a tangible book value per common share of $78.83, up from $75.39 in the previous quarter.Record Net Interest Income
Wintrust Financial reported record net interest income of $526 million for Q1 2025, despite two fewer business days, reflecting disciplined loan and deposit pricing.
Strong Loan and Deposit Growth
Loans grew by over $650 million and deposits by over $1.1 billion in Q1 2025, with a loan growth rate of 6% and deposit growth of approximately 8% on an annualized basis.
Stable Credit Performance
Non-performing loans were stable, and charge-offs decreased to 11 basis points, indicating stable credit quality.
Improved Net Interest Margin
Net interest margin increased by five basis points to 3.56% from the previous quarter.
Recognition and Awards
Wintrust received fourteen Coalition Greenwich Awards, the J.D. Power Award for best customer service in Illinois for the fourth consecutive year, and was recognized as a top employer in its material markets.
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WTFC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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WTFC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 21, 2025 | $101.43 | ― | ― |
| Jan 21, 2025 | $136.39 | $132.78 | -2.65% |
| Oct 21, 2024 | $111.47 | $113.92 | +2.20% |
| Jul 17, 2024 | $110.50 | $105.00 | -4.98% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Wintrust Financial Corp (WTFC) report earnings?
Wintrust Financial Corp (WTFC) is schdueled to report earning on Jul 16, 2025, TBA Not Confirmed.
What is Wintrust Financial Corp (WTFC) earnings time?
Wintrust Financial Corp (WTFC) earnings time is at Jul 16, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is WTFC EPS forecast?
WTFC EPS forecast for the fiscal quarter 2025 (Q2) is 2.56.
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