Wintrust (WTFC) Reports Q1 Earnings: What Key Metrics Have to Say

Core Insights - Wintrust Financial (WTFC) reported revenue of $643.11 million for Q1 2025, a year-over-year increase of 6.3% and a slight surprise of +0.01% over the Zacks Consensus Estimate of $643.03 million [1] - The EPS for the quarter was $2.69, down from $2.89 a year ago, with a surprise of +6.75% compared to the consensus estimate of $2.52 [1] Financial Performance Metrics - Efficiency Ratio was reported at 57.2%, slightly better than the estimated 57.6% [4] - Net Interest Margin remained stable at 3.5%, matching the analyst estimate [4] - Total earning assets averaged $60.34 billion, slightly below the estimated $60.58 billion [4] - Tier 1 leverage ratio was reported at 9.6%, in line with analyst expectations [4] - Net charge-offs to average loan ratio was 0.1%, better than the estimated 0.2% [4] - Total Non-Interest Income was $116.63 million, below the estimated $127.46 million [4] - Net interest income (FTE) was $529.37 million, exceeding the average estimate of $524.12 million [4] - Net Interest Income was reported at $526.47 million, slightly above the estimated $523.72 million [4] - Service charges on deposit accounts were $19.36 million, surpassing the estimate of $17.60 million [4] - Wealth management income was $34.04 million, below the estimated $39.13 million [4] - Mortgage banking income was $20.53 million, slightly below the estimate of $21.37 million [4] - Operating lease income, net, was reported at $15.29 million, in line with the estimate of $15.28 million [4] Stock Performance - Wintrust shares have returned -9.6% over the past month, compared to the Zacks S&P 500 composite's -5.6% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]