Stay Ahead of the Game With Wintrust (WTFC) Q3 Earnings: Wall Street's Insights on Key Metrics

Core Insights - Wintrust Financial (WTFC) is expected to report quarterly earnings of $2.63 per share, a 6.5% increase year-over-year, with revenues projected at $681.43 million, reflecting a 10.7% year-over-year growth [1] Earnings Projections - The consensus EPS estimate has been adjusted downward by 0.4% over the past 30 days, indicating a reassessment by analysts [1][2] - Analysts emphasize the importance of earnings estimate revisions as a predictor of investor behavior and stock price performance [2] Key Financial Metrics - Analysts project the 'Efficiency Ratio' to reach 56.3%, down from 58.9% in the same quarter last year [4] - The 'Net Interest Margin' is expected to remain stable at 3.5%, consistent with the previous year's figure [4] - 'Average balance - Total earning assets' is forecasted to be $63.50 billion, up from $57.27 billion year-over-year [4] Additional Financial Estimates - The 'Tier 1 leverage ratio' is expected to be 9.6%, slightly up from 9.4% a year ago [5] - 'Total Non-Interest Income' is projected at $122.13 million, an increase from $113.15 million year-over-year [5] - 'Net interest income - FTE' is anticipated to reach $563.57 million, compared to $505.73 million in the same quarter last year [5] Other Metrics - The average prediction for 'Net Interest Income' stands at $558.27 million, up from $502.58 million year-over-year [6] - 'Service charges on deposit accounts' are expected to be $19.90 million, compared to $16.43 million last year [6] - 'Wealth management' is projected at $37.10 million, slightly down from $37.22 million year-over-year [7] - 'Mortgage banking' is estimated to reach $26.41 million, significantly up from $15.97 million last year [7] - The consensus for 'Operating lease income, net' is $15.20 million, compared to $15.34 million in the same quarter last year [8] Stock Performance - Over the past month, Wintrust shares have recorded a return of -0.8%, while the Zacks S&P 500 composite has seen a +1% change [8] - Wintrust is currently rated Zacks Rank 4 (Sell), indicating a likely underperformance compared to the overall market [8]