Wintrust Financial Corporation (WTFC) SEC Filings & Earnings Calls
EquiReason read 11 Wintrust Financial Corporation SEC filings in the last 12 months. Latest: 8-K on 2026-10-19 — Wintrust Financial Corporation reported Q3 2026 earnings with stable net interest margin, strong net interest income growth, and improved efficiency ratio (53.22% vs 53.76% QoQ). W.
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 10.2B
- P/E TTM
- 12.1
- Dividend yield
- 1.4%
- 52-week
- —
- Next earnings
- 18 Jan, in 86 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
19 Oct 20268-K · 2.02Wintrust Financial Corporation reported Q3 2026 earnings with stable net interest margin, strong net interest income growth, and improved efficiency ratio (53.22% vs 53.76% QoQ). Wealth management AUA grew to $51.5B. Non-interest expense inearningsopen
Figures in the filing · each found in the filing text
| Total Wealth Management Revenue Client Assets Under Administration · Wealth Management · Q3-2026 | $51.50B | +4% y/y |
| Efficiency Ratio (non-GAAP) · Q3-2026 | 53.2% | |
| Non-interest expense · Q3-2026 | $406M | +2% y/y |
| Total Assets · Q3-2026 | $76.00B |
Guidance
FY26 net interest income growth expected; stable net interest margin; balance sheet growth
Management reaffirms expectation of strong net interest income growth through 2026, supported by stable NIM and balance sheet growth. No explicit numerical guidance provided.
Risks flagged
Higher interest rates continue to pressure mortgage origination volumes, though MSRs are hedged.
“Decrease in Mortgage Originations for Sale Driven by Higher Interest Rates” · word for word
Non-interest expense increased due to seasonally higher advertising and FDIC insurance expense.
“Non-interest expense totaled $405.7 million in the third quarter of 2026 compared to $397.5 million in the second quarter of 2026” · word for word
5 Aug 202610-QWintrust reported Q2 2026 net income applicable to common shares of $225.3 million, up from $188.5 million in Q2 2025, with diluted EPS of $3.30 vs $2.78.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q2-2026 | $597M | +9% y/y |
| Provision for credit losses · Q2-2026 | $23M | +4% y/y |
| Net income applicable to common shares · Q2-2026 | $225M | +20% y/y |
| Diluted earnings per share · Q2-2026 | $3.30 | +19% y/y |
| Total non-interest income · Q2-2026 | $141M | +14% y/y |
| Wealth management income · Q2-2026 | $40M | +8% y/y |
| Mortgage banking income · Q2-2026 | $27M | +18% y/y |
| Service charges on deposit accounts · Q2-2026 | $21M | +9% y/y |
| Operating lease income, net · Q2-2026 | $19M | +24% y/y |
| Interest expense on deposits · Q2-2026 | $325M | -3% y/y |
Risks flagged
Unrealized losses on available-for-sale securities
“Available-for-sale securities had gross unrealized losses of $493.0 million at June 30, 2026”
Unrealized losses on held-to-maturity securities
“Held-to-maturity securities had gross unrealized losses of $566.9 million at June 30, 2026”
20 Jul 20268-K · 2.02Q2 2026 earnings release with stable NIM, balance sheet growth, and strong net interest income growth expected; wealth management revenue up YoY; mortgage originations increased; efficiency ratio improved to 53.76%.earningsopen
Figures in the filing · each found in the filing text
| Total assets · 2026-06-30 | $74.70B | |
| Total wealth management revenue · Wealth Management · Q2-2026 | $50M | +35% y/y |
| Client assets under administration · Wealth Management · 2026-06-30 | $141.30B | |
| Mortgage originations for sale · Mortgage Banking · Q2-2026 | $835M | +23% y/y |
| Non-interest expense · Q2-2026 | $398M | |
| Efficiency ratio (non-GAAP) · Q2-2026 | 53.8% | |
| Provision for credit losses · Q2-2026 | $23M | |
| Net charge-offs as % of average total loans · Q2-2026 | 0.1% |
Guidance
Expect stable net interest margin and balance sheet growth to result in strong net interest income growth through 2026
Management expects stable NIM and balance sheet growth to drive strong net interest income growth through 2026.
Risks flagged
Forward-looking statements include risks from economic conditions, trade policies, commercial real estate market, interest rate volatility, and cybersecurity threats
“Extensive risk factor discussion in forward-looking statements section covering economic conditions, trade policies, commercial real estate, interest rate changes, and cybersecurity.”
6 May 202610-QNet interest income $579M (+10% y/y); Net income $227M (+20% y/y); Total loans $54.07B (+11% y/y)open
Figures in the filing · each found in the filing text
| Net interest income · Q1-2026 | $579M | +10% y/y |
| Net income · Q1-2026 | $227M | +20% y/y |
| Total loans · 2026-03-31 | $54.07B | +11% y/y |
| Total deposits · 2026-03-31 | $58.91B | +10% y/y |
| Provision for credit losses · Q1-2026 | $30M | +24% y/y |
| Wealth management income · Q1-2026 | $42M | +24% y/y |
| Net income per common share - diluted · Q1-2026 | $3.22 | +20% y/y |
Risks flagged
Credit quality deterioration
“Provision for credit losses increased to $29.6 million from $24.0 million year-over-year.”
Interest rate sensitivity
“Unrealized losses on available-for-sale securities increased to $471.7 million from $429.7 million at year-end 2025.”
20 Apr 20268-K · 2.02Released earnings results and quarterly financials; filed financial statements and exhibits with this reportearningsopen
Risks flagged
Forward-looking statements include risks from economic conditions, interest rate changes, credit losses, and cybersecurity.
“Risk Factors discussed under Item 1A of the Company’s 2025 Annual Report on Form 10-K.” · word for word
9 Apr 2026DEF 14AWintrust Financial Corporation filed its definitive proxy statement for the 2026 annual meeting, disclosing executive compensation, governance practices, and shareholder proposals.open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $824M | +19% y/y |
| Pre-tax Income · FY2025 | $1.10B | +18% y/y |
| Deposits · 2025-12-31 | $57.70B | +10% y/y |
| Loan Portfolio (excluding loans held for sale) · 2025-12-31 | $53.10B | +11% y/y |
| Total Assets · 2025-12-31 | $71.10B | +10% y/y |
| Non-performing assets as a percentage of total assets · 2025-12-31 | 0.3% | |
| Dividends Paid · FY2025 | $134M | |
| Adjusted EPS (3-year cumulative) · 2023-2025 | $46.50 | |
| Relative TSR Percentile · 2023-2025 | 93.0% | |
| CEO Total Target Compensation · FY2025 | $7M |
Risks flagged
Interest Rate Risk
“the Company continued its history of profitability. We believe that the results achieved in 2025 highlighted the benefit of the guidance provided by the executive leadership team who maintained a measured and balanced approach to pursuing growth, managing interest rate risk and maintaining credit quality and appropriate reserves.” · word for word
Credit Risk
“remained at low levels of total non-performing assets as a percentage of total assets during 2025 (the percentage at the end of 2025 was 0.29% compared to 0.30% at the end of 2024)” · word for word
Cybersecurity Risk
“The IT/IS Committee provides oversight of risks related to the Company's information technology and information security strategy, infrastructure, systems, business continuity planning and disaster recovery plans and testing.” · word for word
Regulatory Risk
“The Board also periodically receives reports regarding regulatory priorities and reviews regulatory examination reports of the Company to remain informed on issues and observations raised by regulatory authorities regarding the risk categories of the Company.” · word for word
Key Person Risk / Succession Risk
“Mr. Wehmer is expected to continue to serve in the position of Founder and Senior Advisor and Chairman Emeritus of the Company until December 31, 2026” · word for word
26 Feb 202610-KNet income $824M (+19% y/y); Total loans $53.11B (+11% y/y); Total deposits $57.72B (+10% y/y)open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $824M | +19% y/y |
| Total loans · FY2025 | $53.11B | +11% y/y |
| Total deposits · FY2025 | $57.72B | +10% y/y |
| Net interest margin · FY2025 | 3.5% | |
| Net charge-offs · FY2025 | $72M | -23% y/y |
| Non-performing loans · FY2025 | $186M | +9% y/y |
| Total assets · FY2025 | $71.14B | +10% y/y |
| Book value per common share · FY2025 | $102.03 | +14% y/y |
| Tangible book value per common share · FY2025 | $88.66 | +18% y/y |
| Return on average assets · FY2025 | 1.2% |
Risks flagged
Regional Economic Concentration
“Since our business is concentrated in the Chicago metropolitan, southern Wisconsin and west Michigan market areas, economic declines in the economy of this region could adversely affect our business.” · word for word
Competition from Fintech and Larger Banks
“Many of these competitors have substantially greater resources and market presence or more advanced technology than Wintrust and, as a result of their size, may be able to offer a broader range of products and services.” · word for word
Interest Rate Sensitivity
“The Federal Reserve lowered interest rates towards the end of 2024 and during 2025. Inflation remains above the Federal Reserve's two percent target rate and while the Federal Reserve may seek to further lower interest rates in 2026, the range of potential rate paths will ultimately be driven by inflation data, labor market performance, and economic growth.” · word for word
20 Jan 20268-K · 2.02Released earnings results and quarterly financials; filed financial statements and exhibits with this reportearningsopen
Risks flagged
Standard forward-looking statement risk factors; no new specific risks identified.
“Boilerplate risk language; no specific risk events.”
16 Dec 20258-K · 1.01, 2.03Facility limit $580Mopen
Figures in the filing · each found in the filing text
| Facility limit · Q4-2025 | $580M |
Risks flagged
Reduced facility limit may indicate tighter liquidity or lower demand for financing.
“Facility limit decreased from $650M to $580M.”
8 Dec 20258-K · 1.01, 2.03Commitment fee 0.25open
Figures in the filing · each found in the filing text
| Commitment fee · Q4-2025 | 0.3% |
Risks flagged
No material risk; routine credit facility amendment.
“Standard amendments; no adverse terms.”
6 Nov 202510-QWintrust Financial reported strong Q3 2025 results with net income up 27% YoY, driven by higher net interest income and non-interest income.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2025 | $216M | +27% y/y |
| Net interest income · Q3-2025 | $567M | +13% y/y |
| Total loans · 2025-09-30 | $52.06B | +11% y/y |
| Total deposits · 2025-09-30 | $56.71B | +10% y/y |
| Total assets · 2025-09-30 | $69.63B | +9% y/y |
| Net income per common share (diluted) · Q3-2025 | $2.78 | +13% y/y |
| Total non-interest income · Q3-2025 | $131M | +16% y/y |
| Total non-interest expense · Q3-2025 | $380M | +5% y/y |
| Provision for credit losses · Q3-2025 | $22M | -3% y/y |
| Total shareholders' equity · 2025-09-30 | $7.05B | +10% y/y |
Risks flagged
Credit loss exposure from loan portfolio growth
“Provision for credit losses $21,768 vs $22,334 for three months ended September 30, 2025 and 2024, respectively.”
Interest rate risk from securities portfolio
“Available-for-sale securities with gross unrealized losses of $450.2M at September 30, 2025.”
Wintrust Financial Corporation — questions
- What did Wintrust Financial Corporation file recently?
- 11 SEC filings in the last 12 months. Latest: 8-K on 2026-10-19 — Wintrust Financial Corporation reported Q3 2026 earnings with stable net interest margin, strong net interest income growth, and improved efficiency ratio (53.22% vs 53.76% QoQ). Wealth management AUA grew to $51.5B. Non-interest expense in
Every figure on this page comes from Wintrust Financial Corporation's own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.