Wintrust Financial (NASDAQ: WTFC) details Q4 2025 earnings release

Rhea-AI Filing Summary

Wintrust Financial Corporation reported its fourth quarter 2025 earnings on January 20, 2026. The company made its results available through a detailed earnings press release and a Fourth Quarter 2025 Earnings Release Presentation posted on its website.

The press release is provided as Exhibit 99.1 and the related investor presentation as Exhibit 99.2. Both documents include supplemental information on non-GAAP financial measures, with reconciliations and related details described in specific pages of each exhibit.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of The

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 20, 2026

WINTRUST FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Illinois

001-35077

36-3873352

(State or other jurisdiction of Incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

9700 W. Higgins Road, Suite 800

Rosemont

Illinois

60018

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code (847) 939-9000

Not Applicable

(Former name or former address, if changed since last year)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Title of Each Class			Ticker Symbol			Name of Each Exchange on Which Registered
Common Stock, no par value			WTFC			The Nasdaq Global Select Market
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of			WTFCN			The Nasdaq Global Select Market
7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company     ☐

    If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 2.02. Results of Operations and Financial Condition

The information in this Current Report is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.

On January 20, 2026, Wintrust Financial Corporation (the “Company”) announced earnings for the fourth quarter of 2025 and posted on its website the Fourth Quarter 2025 Earnings Release Presentation. Copies of the press release relating to the Company’s earnings results and the related presentation are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively. Certain supplemental information relating to non-GAAP financial measures reported in the attached press release and presentation is included on pages 34 through 36 of Exhibit 99.1 and pages 29 through 32 of Exhibit 99.2.

Item 9.01. Financial Statements and Exhibits

(d) Exhibits

Exhibit
99.1			Fourth Quarter 2025 Earnings Release dated January 20, 2026
99.2			Fourth Quarter 2025 Earnings Release Presentation dated January 20, 2026

2

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						WINTRUST FINANCIAL CORPORATION (Registrant)
			By:			/s/ David L. Stoehr
						David L. Stoehr Executive Vice President and     Chief Financial Officer

Date: January 20, 2026

3

INDEX TO EXHIBITS

Exhibit
99.1			Fourth Quarter 2025 Earnings Release dated January 20, 2026
99.2			Fourth Quarter 2025 Earnings Release Presentation dated January 20, 2026

4

FAQ

What did Wintrust Financial (WTFC) announce on January 20, 2026?

On January 20, 2026, Wintrust Financial Corporation announced its fourth quarter 2025 earnings and made an earnings press release and presentation available on its website.

Which period do the latest Wintrust Financial (WTFC) results cover?

The results announced by Wintrust Financial on January 20, 2026 cover the company’s fourth quarter of 2025.

Where can investors find the Wintrust Financial Q4 2025 earnings press release?

The Q4 2025 earnings press release for Wintrust Financial is attached as Exhibit 99.1 and is also posted on the company’s website.

Does Wintrust Financial provide an earnings presentation for Q4 2025?

Yes. Wintrust Financial provides a Fourth Quarter 2025 Earnings Release Presentation, which is attached as Exhibit 99.2 and posted on its website.

Does the Wintrust Financial Q4 2025 disclosure include non-GAAP financial measures?

Yes. The company includes supplemental information on non-GAAP financial measures within the Q4 2025 press release and presentation, with details described on specified pages of Exhibits 99.1 and 99.2.

Are the Wintrust Financial Q4 2025 earnings materials considered filed with the SEC?

The Q4 2025 earnings information is described as being furnished rather than filed, meaning it is not deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934.