Financial Performance - Wintrust Financial Corporation reported record quarterly net income of $189.0 million, or $2.69 per diluted common share, for Q1 2025, compared to $185.4 million, or $2.63 per diluted common share in Q4 2024[2]. - Net income for Q1 2025 was $189,039,000, a slight increase from $185,362,000 in Q4 2024, showing a growth of 0.9%[55]. - Net income applicable to common shares was $182,048,000, compared to $178,371,000 in the previous quarter, reflecting an increase of 3.8%[55]. - The effective tax rate was 25.30% in Q1 2025, down from 26.76% in Q4 2024, influenced by fluctuations in share-based compensation[41]. - The company declared cash dividends of $0.50 per common share, an 11% increase from Q4 2024[48]. Loan and Deposit Growth - Total loans increased by $653 million, or 6% annualized, while total deposits increased by approximately $1.1 billion, or 8% annualized in Q1 2025[4]. - Total loans reached $48.71 billion, up 6% from Q4 2024 and 13% from Q1 2024[48]. - Total deposits increased to $53.57 billion, an 8% increase from Q4 2024 and a 15% increase from Q1 2024[48]. - The company's loans-to-deposits ratio ended the quarter at 90.9%, indicating a strong liquidity position[4]. - Core loans increased by 4% to $29,108,500,000 compared to December 31, 2024, reflecting a 15% growth year-over-year[56]. Interest Income and Expenses - Net interest income rose to $526.5 million in Q1 2025, up from $525.1 million in Q4 2024, supported by an increase in net interest margin to 3.54%[5]. - Total interest income for Q1 2025 was $886,965,000, a decrease of 2.7% from $913,501,000 in Q4 2024[55]. - Interest expense decreased to $360,491,000 in Q1 2025 from $388,353,000 in Q4 2024, representing a decline of 7.2%[55]. - Net interest income after provision for credit losses was $502,511,000, compared to $508,169,000 in the previous quarter, reflecting a decrease of 1.3%[55]. - The net interest margin for the three months ended March 31, 2025, was 3.54%, an increase from 3.49% in the previous quarter[67]. Non-Interest Income - Non-interest income totaled $116.6 million in Q1 2025, an increase of $3.2 million compared to $113.5 million in Q4 2024[30]. - Total non-interest income for Q1 2025 was $116,634 thousand, a 3% increase compared to $113,451 thousand in Q4 2024, but a 17% decrease from $140,580 thousand in Q1 2024[88]. - Brokerage income fell to $4,757 thousand, down 11% from $5,328 thousand in Q4 2024 and down 14% from $5,556 thousand in Q1 2024[88]. - Trust and asset management income decreased by 12% to $29,285 thousand compared to $33,447 thousand in Q4 2024[88]. - Gains on investment securities improved significantly to $3,196 thousand from a loss of $2,835 thousand in Q4 2024[88]. Credit Quality and Losses - The provision for credit losses totaled $24.0 million in Q1 2025, compared to $17.0 million in Q4 2024, reflecting a conservative approach to credit quality amid macroeconomic uncertainty[5]. - Net charge-offs decreased to $12.6 million, or 11 basis points of average total loans on an annualized basis, down from $15.9 million, or 13 basis points in Q4 2024[27]. - The allowance for credit losses at the end of the period was $448,387 thousand, an increase from $437,060 thousand at the end of the previous quarter[77]. - The annualized net charge-offs as a percentage of total loans was 0.11%, a slight decrease from 0.13% in the previous quarter[77]. - The total allowance for loan losses and unfunded lending-related commitments was $447,941 thousand, compared to $436,603 thousand in the previous quarter[79]. Asset Management and Wealth Management - As of March 31, 2025, the company had approximately $51.1 billion in assets under administration in its wealth management subsidiaries[45]. - Wealth management revenue decreased by $4.7 million in Q1 2025 due to system transitions and lower market valuations[31]. - Wealth management revenue for Q1 2025 totaled $34.0 million, slightly down from Q4 2024[45]. - The company recorded a net gain of approximately $19.3 million from the sale of its Retirement Benefits Advisors division in Q1 2024[47]. - The company is subject to various risks, including fluctuations in stock market conditions that could adversely affect its wealth management and brokerage operations[106]. Operational Efficiency and Expenses - Total non-interest expense for Q1 2025 was $366,090,000, a decrease from $368,539,000 in Q4 2024, reflecting a reduction of 0.4%[55]. - Salaries and employee benefits totaled $211,526 thousand in Q1 2025, a slight decrease of 0.3% compared to $212,133 thousand in Q4 2024[93]. - The efficiency ratio (GAAP) for the quarter was 57.21%, slightly improved from 57.46% in the previous quarter[97]. - Non-interest expenses decreased to $366,090 thousand in Q1 2025 from $368,539 thousand in Q4 2024, a reduction of 0.4%[93]. - The company emphasizes the importance of technology in providing products and services that meet customer demands and improve operational efficiency[103]. Strategic Initiatives and Market Conditions - The Company is focused on growth strategies, including potential acquisitions of banks and specialty finance businesses, as well as plans to establish new branches[104]. - The Company faces competitive pressures in the financial services sector, which may impact pricing and market share for its loan and deposit products[103]. - The Company anticipates potential risks affecting its loan portfolio, including economic conditions, trade policy changes, and defaults, which may require increases in credit loss allowances[102]. - The Company is monitoring the impact of regulatory changes and heightened capital requirements on its operations and financial performance[103]. - The Company acknowledges the potential adverse effects of natural disasters and climate change on its operations[106].

Core Points - Wintrust Financial Corporation reported record quarterly net income of $189.0 million, or $2.69 per diluted common share, for Q1 2025, an increase from $185.4 million, or $2.63 per diluted common share in Q4 2024 [1] - Pre-tax, pre-provision income reached a record $277.0 million, compared to $270.1 million in the previous quarter [1] Financial Performance - Total assets increased by $1.0 billion to $65.87 billion in Q1 2025 compared to Q4 2024 [4][38] - Total loans rose by $653 million, or 6% annualized, driven by growth in commercial and premium finance life insurance loan portfolios [3][5] - Total deposits increased by approximately $1.1 billion, or 8% annualized, resulting in a loans-to-deposits ratio of 90.9% [3][6] - Net interest income increased to $526.5 million in Q1 2025, up from $525.1 million in Q4 2024, supported by improved net interest margin [5][8] - Net interest margin improved by five basis points to 3.54% in Q1 2025 compared to Q4 2024 [9][35] Credit Quality - The allowance for credit losses totaled $448.4 million as of March 31, 2025, an increase from $437.1 million at the end of Q4 2024 [11][39] - Net charge-offs decreased to $12.6 million, or 11 basis points of average total loans, down from $15.9 million, or 13 basis points in Q4 2024 [13][39] - Non-performing assets remained stable at $195.0 million, comprising 0.30% of total assets as of March 31, 2025 [15][39] Non-Interest Income and Expenses - Non-interest income totaled $116.6 million in Q1 2025, an increase of $3.2 million from $113.5 million in Q4 2024 [16] - Non-interest expenses decreased to $366.1 million in Q1 2025, down from $368.5 million in Q4 2024 [21] Business Segments - Community banking saw increases in commercial, commercial real estate, and residential real estate loan portfolios in Q1 2025 [28] - Wealth management revenue totaled $34.0 million in Q1 2025, slightly down from the previous quarter [32] - Specialty finance reported originations of $4.8 billion in insurance premium financing receivables during Q1 2025 [30]

Core Insights - Wintrust Financial (WTFC) is expected to report quarterly earnings of $2.52 per share, a decline of 12.8% year-over-year, with revenues projected at $643.03 million, reflecting a 6.3% increase compared to the previous year [1] Earnings Projections - The consensus EPS estimate has remained unchanged over the past 30 days, indicating analysts have not revised their initial projections [2] - Changes in earnings projections are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [3] Key Financial Metrics - Analysts estimate an 'Efficiency Ratio' of 57.6%, up from 55.2% a year ago [5] - The 'Net Interest Margin' is projected to be 3.5%, slightly down from 3.6% year-over-year [5] - 'Average balance - Total earning assets' is expected to reach $60.58 billion, compared to $52.27 billion last year [5] - The 'Tier 1 leverage ratio' is forecasted at 9.6%, up from 9.5% in the same quarter last year [6] - 'Total Non-Interest Income' is expected to be $127.46 million, down from $140.58 million a year ago [6] Income Estimates - 'Net interest income - FTE' is projected at $524.12 million, compared to $467 million last year [7] - 'Net Interest Income' is expected to reach $523.72 million, up from $464.19 million in the same quarter last year [7] - 'Service charges on deposit accounts' are estimated at $17.60 million, compared to $14.81 million a year ago [7] Additional Revenue Streams - 'Wealth management' is projected to reach $39.13 million, up from $34.82 million last year [8] - 'Mortgage banking' is expected to be $21.37 million, down from $27.66 million a year ago [8] - 'Operating lease income, net' is projected at $15.28 million, compared to $14.11 million last year [8] - 'Fees from covered call and put options' are expected to be $2.00 million, down from $4.85 million a year ago [9] Stock Performance - Over the past month, Wintrust shares have declined by 10.2%, while the Zacks S&P 500 composite has decreased by 3.9% [9] - Wintrust holds a Zacks Rank 2 (Buy), indicating a potential to outperform the overall market in the upcoming period [10]

Company Overview - Wintrust Financial (WTFC) shares increased by 9.4% to close at $104.13, following a period of 12.2% loss over the past four weeks, indicating a significant recovery in investor sentiment [1][2] - The bank holding company is expected to report quarterly earnings of $2.52 per share, reflecting a year-over-year decline of 12.8%, while revenues are projected to be $643.03 million, an increase of 6.3% from the previous year [3] Market Reaction - The surge in Wintrust Financial's stock price was influenced by President Trump's announcement of a 90-day pause on reciprocal tariffs for most trading partners, which alleviated trade war concerns and improved the economic outlook [2] - The consensus EPS estimate for Wintrust has remained stable over the last 30 days, suggesting that the recent stock price increase may not be sustainable without positive earnings estimate revisions [4] Industry Context - Wintrust is part of the Zacks Banks - Midwest industry, where First Business Financial Services (FBIZ) also operates, closing 5.8% higher at $47.30, despite a -4.5% return over the past month [4] - First Business Financial Services has seen a 1.5% increase in its consensus EPS estimate to $1.29, representing a 24% increase from the previous year, and also holds a Zacks Rank of 2 (Buy) [5]

Core Points - Wintrust Financial Corporation announced the conclusion of Edward J. Wehmer and Scott K. Heitmann's long-time service on the Board of Directors at the Annual Meeting of Shareholders on May 22, 2025 [1][2] - Wehmer will be appointed Chairman Emeritus and continues to serve as Founder and Senior Advisor, while Heitmann has been a valuable member since 2008 [2][3] - Wintrust has achieved significant growth, becoming a $65 billion financial services enterprise, and is optimistic about its future [2][3] Company Overview - Wintrust is a financial holding company with approximately $64.9 billion in assets, traded on the NASDAQ Global Select Market [5] - The company operates over 200 retail banking locations through 16 community bank subsidiaries across various regions, including greater Chicago and southern Wisconsin [5] - Wintrust offers a range of services, including residential mortgage origination, wealth management, and commercial insurance premium financing [5]

About Wintrust Wintrust is a financial holding company with approximately $65 billion in assets whose common stock is traded on the NASDAQ Global Select Market. Guided by its "Different Approach, Better Results" philosophy, Wintrust offers the sophisticated resources of a large bank while providing a community banking experience to each customer. Wintrust operates more than 200 retail banking locations through 16 community bank subsidiaries in the greater Chicago, southern Wisconsin, west Michigan, northwes ...

Core Insights - Wintrust Financial Corporation has appointed Amy Yuhn as Executive Vice President for Brand, Engagement, and Impact, a newly created role to oversee marketing, corporate communications, and community impact [1][2] - Yuhn brings 15 years of experience from CIBC, where she served as Chief Marketing Officer and Head of Corporate Communications, and has a background in journalism [2][3] - Wintrust emphasizes its commitment to client relationships and community engagement, which Yuhn aims to enhance through her leadership [3] Company Overview - Wintrust Financial Corporation is a financial holding company with $64.9 billion in assets, traded on the NASDAQ Global Select Market [4] - The company operates over 200 retail banking locations through 16 community bank subsidiaries across various regions including greater Chicago and southern Wisconsin [4] - Wintrust offers a range of services including residential mortgage origination, wealth management, and commercial insurance premium financing, among others [4]

ROSEMONT, Ill., March 12, 2025 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (Nasdaq: WTFC) has been awarded 14 Coalition Greenwich Best Bank Awards for Middle Market Banking by Crisil Coalition Greenwich, marking the company’s 10th consecutive year of recognition. This achievement represents the highest number of Coalition Greenwich awards ever earned by Wintrust, including 10 national awards and four regional awards in the Midwest. These prestigious awards are based on interviews with over 25,000 exe ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission File Number 001-35077 Wintrust Financial Corporation (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organi ...

ROSEMONT, Ill., Feb. 25, 2025 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (“Wintrust” or the “Company”) (Nasdaq: WTFC) will present at the RBC Capital Markets Global Financial Institutions Conference to be held on March 4-5, 2025. Wintrust management will participate in a question and answer session that is scheduled to begin at approximately 8:40 AM Eastern Time on March 4, 2025. This event will be available via an audio webcast and may be accessed at https://kvgo.com/rbc/wintrust-financial-corporat ...