Wintrust Financial Corporation (WTFC) Earnings
Wintrust Financial Corporation is expected to report next earnings on July 20, 2026 (in NaN days), with a consensus EPS estimate of $3.14. WTFC has beaten EPS estimates in 7 of its last 11 reported quarters (average surprise +9.1% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 21, 2026 | $2.96 | $3.22 | +8.8% | $713M | +0.8% |
| Feb 26, 2026 | — | $3.30 | — | $1.1B | — |
| Oct 20, 2025 | $2.63 | $3.06 | +16.3% | $698M | +1.2% |
| Jul 21, 2025 | $2.60 | $2.78 | +6.9% | $671M | +1.6% |
| Jan 21, 2025 | $2.52 | $2.63 | +4.4% | $639M | -0.4% |
| Oct 21, 2024 | $2.51 | $2.47 | -1.6% | $616M | -1.2% |
| Jul 17, 2024 | $2.42 | $2.32 | -4.1% | $592M | +0.8% |
| Apr 17, 2024 | $2.42 | $2.89 | +19.4% | $605M | +4.6% |
| Jan 17, 2024 | $2.49 | $1.87 | -24.9% | $571M | -1.4% |
| Oct 17, 2023 | $2.40 | $2.53 | +5.4% | $575M | +0.9% |
| Jul 19, 2023 | $2.38 | $2.38 | +0.0% | $561M | -0.1% |
| Apr 19, 2023 | $2.54 | $2.80 | +10.2% | $566M | -0.8% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 21, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Delivered fifth consecutive quarter of record net income. - Focus on strategic priorities: exceptional customer experience, disciplined and strategic growth, prudent risk management, and investing in foundation. - Good loan and deposit growth, stable net interest margin, record net income, sustained growth in tangible book value per share, and low non-performing assets. - Dave Dykstra reviewed balance sheet and income statement details. Rich Murphy discussed loan growth and credit quality. Tim Crane highlighted strategic priorities, second quarter and remainder of year expectations, and board member changes.
Guidance
- Expect outsized loan growth in second quarter from property and casualty premium finance business. - Expect mid to high single digit loan growth for remainder of year. - Expect solid net interest income growth with stable margin around 3.5%. - Expenses seasonally higher in second quarter due to annual salary increases, marketing expense, but expected well managed with operating leverage. - Evaluating capital proposals with potential 6-7% reduction in risk-weighted assets and considering IRBA approach.
Segment performance
Net interest income slightly declined compared to the fourth quarter of 2025. The benefit from average earning asset growth and net interest margin increase almost offset the two fewer days in the quarter. Net interest margin was 3.56% for the first quarter. Deposit growth was right at $1.2 billion during the quarter, representing an 8% increase over the prior quarter on an annualized basis. Loan growth was approximately $1 billion, a 7% growth rate on an annualized basis. Non-interest income was $134.1 million in the first quarter, an increase from the prior quarter, led by wealth management and operating lease revenues. Non-interest expenses were $382.6 million, slightly lower than the prior quarter. Loan growth was broad-based with commercial loans, commercial real estate loans, Wintrust Life Finance portfolio, and residential mortgage group all showing growth. Credit quality remained strong with non-performing loans decreasing and charge-outs down.
Risks & headwinds
- Market declines in short-term interest rates affecting yields and rates on balance sheet categories. - Uncertainty in mortgage market with rates affecting mortgage volumes and revenue. - Intense deposit competition in some markets. - Potential impact of geopolitical and economic uncertainties on loan growth and overall business.
Analyst Q&A
Q: Question on period end loan growth trends and macro uncertainty impact.
A: Tim and Rich discussed timing of prepayments and end-of-quarter warehouse line growth, and positive sentiment with good pipelines.
Q: Question on mortgage outlook.
A: Dave discussed mortgage application pickup with rate fluctuations and expectation of spring buying season pickup.
Q: Question on insurance pre-finance portfolio growth and pricing.
A: Tim and Rich discussed flat to slightly up premiums, growing units, and rational pricing.
Q: Question on expense seasonality and growth.
A: Dave discussed mid single digit year over year expense growth with second quarter pickup.
Q: Question on margin outlook.
A: Dave discussed neutral margin outlook with swap replacements and loan/deposit rate expectations.
Q: Question on deposit competition.
A: David discussed reasonable deposit pricing in Chicago.
Q: Question on credit special mention increase.
A: Rich discussed it being in commercial portfolio with one-off situations.
Q: Question on fee income outlook.
A: Jeff discussed wealth management growth with seasonal element.
Q: Question on branch build-out.
A: Tim discussed new branch activity in markets and inclusion in expense forecast.
Q: Question on loan growth and capital.
A: Tim and Dave discussed loan growth outlook and capital levels and evaluation.
Q: Question on TCE ratio and NII mix.
A: Tim discussed comfortable capital levels and DDA mix expectations