Wintrust (WTFC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Wintrust Financial reported a revenue of $697.84 million for the quarter ended September 2025, marking a 13.3% increase year-over-year [1] - The earnings per share (EPS) for the quarter was $3.06, up from $2.47 in the same quarter last year, exceeding the consensus estimate of $2.63 by 16.35% [1] - The reported revenue surpassed the Zacks Consensus Estimate of $681.43 million, resulting in a revenue surprise of 2.41% [1] Financial Metrics - Efficiency Ratio stood at 54.7%, better than the four-analyst average estimate of 56.3% [4] - Net Interest Margin was reported at 3.5%, matching the average estimate from four analysts [4] - Total earning assets averaged $64.64 billion, exceeding the $63.5 billion estimate based on two analysts [4] - Tier 1 leverage ratio was 9.5%, slightly below the 9.6% average estimate from two analysts [4] - Net charge-offs to average loan ratio was 0.2%, aligning with the two-analyst average estimate [4] - Total Non-Interest Income reached $130.83 million, surpassing the $122.13 million average estimate from four analysts [4] - Net interest income (FTE) was reported at $569.84 million, exceeding the three-analyst average estimate of $563.57 million [4] - Net Interest Income was $567.01 million, above the $558.27 million estimate from three analysts [4] - Service charges on deposit accounts totaled $19.83 million, slightly below the $19.9 million average estimate from two analysts [4] - Wealth management income was $37.19 million, marginally above the $37.1 million average estimate from two analysts [4] - Mortgage banking income was $24.45 million, below the two-analyst average estimate of $26.41 million [4] - Operating lease income, net, was reported at $15.47 million, exceeding the two-analyst average estimate of $15.2 million [4] Stock Performance - Wintrust shares have returned -9.1% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]