Wintrust Fincl Stock Price, News & Analysis

Wintrust Financial (Nasdaq: WTFC) reported record net income of $600.8M for the first nine months of 2025 and record Q3 net income of $216.3M (Q3 EPS $2.78; YTD EPS $8.25). Net interest income was a record $567.0M in Q3 and net interest margin was 3.48% (3.50% FTE).

Q3 growth: loans +$1.0B, deposits +$894.6M, assets +$646.3M, loans-to-deposits ratio 91.8%. Credit metrics: allowance for credit losses $454.6M, provision Q3 $21.8M, net charge-offs Q3 $24.6M (19 bps), non-performing loans $162.6M (0.31%). EPS was reduced by one-time preferred stock costs totaling $18.9M (~$0.28/share).

Wintrust Financial (NASDAQ: WTFC) announced the appointment of two new board members effective October 1, 2025: Laura Kohl, Chief Information Officer at Morningstar, and David Richter, Managing Director at GCM Grosvenor.

Kohl will contribute global business and technology leadership, having led Morningstar's global technology strategy. Richter will bring experience in private credit, hedge fund management, and serves as Investment Committee Chair for Grosvenor’s Absolute Return Strategies. The appointments increase Wintrust's board size to 14 members. Company leadership said the additions will add perspective to board oversight and support the firm’s customer and shareholder focus.

Wintrust Financial Corporation (Nasdaq: WTFC), a financial holding company with $69 billion in assets, has scheduled its third quarter and year-to-date 2025 earnings release for October 20, 2025, after market close. The company will host a conference call to discuss results on October 21, 2025 at 10:00 a.m. CDT.

Wintrust operates over 200 retail banking locations through 16 community bank subsidiaries across Chicago, Wisconsin, Michigan, Indiana, and Florida. The company provides various services including residential mortgage origination, wealth management, insurance premium financing, and accounts receivable financing.

Wintrust Financial Corporation (Nasdaq: WTFC) has announced two dividend payments. The company declared a quarterly cash dividend of $0.50 per share on its common stock, payable on August 21, 2025, to shareholders of record as of August 7, 2025.

Additionally, Wintrust approved a cash dividend on its 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, which will be paid on October 15, 2025, to shareholders of record as of October 1, 2025.

Wintrust Financial Corporation (Nasdaq: WTFC) reported record quarterly net income of $195.5 million, or $2.78 per diluted share, for Q2 2025, up from $189.0 million in Q1 2025. The company achieved record first-half net income of $384.6 million.

Key Q2 2025 highlights include: Total loans increased by $2.3 billion (19% annualized), total deposits grew by $2.2 billion (17% annualized), and net interest income rose to $546.7 million. The net interest margin remained stable at 3.54% (fully taxable-equivalent basis). The company completed a $425 million Series F Preferred Stock issuance in May 2025.

Credit quality remained strong with net charge-offs at 11 basis points of average total loans, and the allowance for credit losses increased to $457.5 million. Non-performing assets comprised just 0.31% of total assets.

Wintrust Financial Corporation (NASDAQ: WTFC), a financial holding company with $66 billion in assets, has scheduled its second quarter and year-to-date 2025 earnings release for July 21, 2025, after market close. The company will host a conference call to discuss the results on July 22, 2025, at 10:00 a.m. CDT. Operating over 200 retail banking locations across Chicago, Wisconsin, Michigan, Indiana, and Florida through 16 community bank subsidiaries, Wintrust offers comprehensive banking services combining large bank capabilities with community banking experience. The company also provides various non-bank services including mortgage origination, wealth management, insurance premium financing, and accounts receivable financing.

Wintrust Financial Corporation (WTFC) announced the redemption of all outstanding shares of two preferred stock series on July 15, 2025. The company will redeem 5 million shares of Series D Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock at $25.00 per share and 11,500 shares of Series E 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock (with related depositary shares) at $25,000 per share ($25.00 per depositary share). The redemption will be funded using proceeds from Wintrust's recent Series F preferred stock offering completed on May 22, 2025. Regular quarterly dividends will be paid separately on July 15, 2025, to holders of record on July 1, 2025. After the redemption date, trading of Series D and Series E shares on NASDAQ will cease, and no dividends will accrue.

KBRA has assigned strong credit ratings to Wintrust Financial Corporation (NASDAQ: WTFC) and its 16 bank subsidiaries, with a Stable outlook. The company received an A- senior unsecured debt rating, BBB+ subordinated debt rating, BBB preferred stock rating, and K2 short-term debt rating. All bank subsidiaries received A ratings for deposits and senior unsecured debt. The ratings reflect WTFC's consistent earnings performance, conservative risk management, and strategic execution. Notable strengths include a diversified loan portfolio with one-third comprising low-loss insurance premium finance loans, strong credit performance with a 25-year average NCO ratio of just 0.26%, and NPLs below 0.40%. The company maintains a CET1 ratio above 10% and benefits from stable core deposit funding through its unique MaxSafe product offering.

Wintrust Financial Corporation (NASDAQ: WTFC) has announced the pricing of a $425 million preferred stock offering through 17 million depositary shares at $25.00 per share. Each depositary share represents a 1/1,000th interest in Wintrust's 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F.

The offering is expected to close on May 22, 2025. The company plans to list the depositary shares on The Nasdaq Global Select Market under the symbol "WTFCN". The proceeds will be used for general corporate purposes, including potential redemption of outstanding Series D and/or Series E preferred stock, subject to Federal Reserve approval.

RBC Capital Markets is serving as the sole book-running manager, with Keefe, Bruyette & Woods, Piper Sandler, and US Bancorp acting as co-managers for the offering.