WTFC

Get insights on thousands of stocks from the global community of over 7 million individual investors at Simply Wall St. Wintrust Financial stock has delivered a strong 144.9% return over the past 5 years. At a last close of US$162.62 the Excess Returns intrinsic value estimate still points to meaningful upside, while the market price sits at earnings multiples that look broadly in line with peers. That mix sets up a valuation debate between a model that suggests the shares are undervalued and market pricing that no longer looks obviously cheap after a major run. The 144.9% return over 5 years suggests long term holders in Wintrust Financial have already captured substantial gains, so fresh buyers need to think carefully about what is already reflected in the price. Expectations for steady profitability and capital generation can support the intrinsic value case, but any setback in loan quality or funding costs may weigh on how sustainable those cash flows look. With a value score of 3 out of 6, the broader checks point to a mixed picture rather than a clear bargain or clear overvaluation. The issue now is whether Wintrust Financial's current valuation leaves enough margin of safety given what the intrinsic value estimate and market pricing are each implying. Wintrust Financial delivered 27.3% returns over the last year. See how this stacks up to the rest of the Banks industry. The Excess Returns model estimates what Wintrust Financial can earn above its cost of equity and capitalizes that surplus into today’s value. In this framework, the key inputs are a Book Value of $103.10 per share and a Stable EPS estimate of $14.07 per share, both based on analyst forecasts for future returns on equity. With a Cost of Equity of $9.46 per share and an Excess Return of $4.61 per share, the model assumes Wintrust is able to generate returns on its equity base that sit above investors’ required rate of return, supported by an average Return on Equity of 11.83% and a Stable Book Value of $118.95 per share. When these excess returns are projected forward and discounted, the model arrives at an intrinsic value of $223.55 per share, compared with the recent share price of $162.62. That gap implies Wintrust Financial trades at roughly a 27.3% discount to the Excess Returns estimate, suggesting the market is not fully pricing in the level of profitability embedded in these assu...

Analysts on Wall Street project that Wintrust Financial (WTFC) will announce quarterly earnings of $3.15 per share in its forthcoming report, representing an increase of 13.3% year over year. Revenues are projected to reach $737.16 million, increasing 9.9% from the same quarter last year. Over the last 30 days, there has been a downward revision of 0.2% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe. Before a company reveals its earnings, it is vital to take into account any changes in earnings projections. These revisions play a pivotal role in predicting the possible reactions of investors toward the stock. Multiple empirical studies have consistently shown a strong association between trends in earnings estimates and the short-term price movements of a stock. While investors typically use consensus earnings and revenue estimates as a yardstick to evaluate the company's quarterly performance, scrutinizing analysts' projections for some of the company's key metrics can offer a more comprehensive perspective. Bearing this in mind, let's now explore the average estimates of specific Wintrust metrics that are commonly monitored and projected by Wall Street analysts. The collective assessment of analysts points to an estimated 'Efficiency Ratio' of 54.0%. Compared to the current estimate, the company reported 56.9% in the same quarter of the previous year. Analysts' assessment points toward 'Net Interest Margin' reaching 3.6%. The estimate is in contrast to the year-ago figure of 3.5%. The consensus among analysts is that 'Average balance - Total earning assets' will reach $67.86 billion. The estimate is in contrast to the year-ago figure of $62.22 billion. Based on the collective assessment of analysts, 'Total Non-Interest Income' should arrive at $135.50 million. The estimate is in contrast to the year-ago figure of $124.09 million. Analysts predict that the 'Net interest income - FTE' will reach $601.66 million. Compared to the current estimate, the company reported $549.57 million in the same quarter of the previous year. Analysts expect 'Wealth management' to come in at $42.85 million. Compared to the present estimate, the company reported $36.82 million in the same quarter last year. According to the c...

First Financial Bancorp (FFBC) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on July 21, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This holding company for First Financial Bank is expected to post quarterly earnings of $0.81 per share in its upcoming report, which represents a year-over-year change of +9.5%. Revenues are expected to be $269 million, up 18.2% from the year-ago quarter. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significan...

Wintrust Financial (WTFC) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on July 20, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This bank holding company is expected to post quarterly earnings of $3.17 per share in its upcoming report, which represents a year-over-year change of +14%. Revenues are expected to be $737.16 million, up 9.9% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.2% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive p...

ROSEMONT, Ill., June 30, 2026 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation ("Wintrust") (Nasdaq: WTFC) today announced it will release second quarter and year-to-date 2026 earnings results after the market closes on Monday, July 20, 2026, and host a conference call on Tuesday, July 21, 2026, at 10:00 a.m. CDT. For individuals wanting to listen to a simultaneous audio-only web cast, this may be accessed at Webcast Link. Individuals interested in participating in the call by addressing questions to management should register for the call at Conference Call Link to receive a dial-in number and unique PIN to access the call seamlessly. It is recommended that you join 10 minutes prior to the event start (although you may register and dial in at any time during the call). An accompanying slide presentation will be available on the Company’s website at www.wintrust.com, Investor Relations link. A replay of the audio-only webcast and an accompanying slide presentation will subsequently be available at www.wintrust.com, Investor Relations, News & Events, Events & Presentations link. The text of the second quarter and year-to-date 2026 earnings release will be available at www.wintrust.com, Investor Relations, News & Events, News link.About Wintrust Wintrust is a financial holding company with approximately $72 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, northwest Indiana, and southwest Florida market areas. In addition, Wintrust operates various non-bank business units, providing residential mortgage origination, wealth management, commercial and life insurance premium financing, short-term accounts receivable financing/outsourced administrative services to the temporary staffing services industry, and qualified intermediary services for tax-deferred exchanges. For more information, please visit www.wintrust.com. Forward-Looking Information This press release contains forward-looking statements within the meaning of the federal securities laws. Investors are cautioned that such statemen...

Wrapping up Q1 earnings, we look at the numbers and key takeaways for the regional banks stocks, including Wintrust Financial (NASDAQ:WTFC) and its peers. Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 91 regional banks stocks we track reported a slower Q1. As a group, revenues were in line with analysts’ consensus estimates. In light of this news, share prices of the companies have held steady as they are up 3.4% on average since the latest earnings results. Founded in 1991 as a community-focused alternative to big banks in the Chicago area, Wintrust Financial (NASDAQGS:WTFC) operates community banks in the Chicago area and provides specialty finance services including insurance premium financing and wealth management. Wintrust Financial reported revenues of $715.8 million, up 11.4% year on year. This print exceeded analysts’ expectations by 1.2%. Despite the top-line beat, it was still a mixed quarter for the company with a beat of analysts’ EPS estimates but a miss of analysts’ tangible book value per share estimates. Timothy S. Crane, President and Chief Executive Officer, commented, “We are pleased with our first quarter 2026 results, with diversified loan growth, robust deposit generation and prudent expense management resulting in a fifth consecutive quarter of record net income. Our multi-faceted business model and unique market position continued to build franchise value.” Interestingly, the stock is up 5.7% since reporting and currently trades at $157.24. Is now the time to buy Wintrust Financial? Access our full analysis of the earnings results here, it’s free. With roots dating back to 1913 and a name derived from "United Missouri Bank," UMB Financ...

Wintrust Financial’s first quarter results were shaped by robust loan and deposit growth, stable net interest margin, and disciplined expense management. Management pointed to steady customer acquisition and market share gains as contributing factors, while strong performance in wealth management and operating lease income also supported noninterest revenue. CEO Timothy S. Crane highlighted that, “all of our growth is organic,” emphasizing the momentum from existing business lines and prudent risk management. Credit quality metrics remained stable, with nonperforming assets and charge-offs at low levels, and management indicated the company’s exposure to commercial real estate and specialty finance continues to be well diversified and tightly monitored. Is now the time to buy WTFC? Find out in our full research report (it’s free). Revenue: $715.8 million vs analyst estimates of $707.2 million (11.4% year-on-year growth, 1.2% beat) Adjusted EPS: $3.22 vs analyst estimates of $2.96 (8.7% beat) Adjusted Operating Income: $303.2 million vs analyst estimates of $321.6 million (42.4% margin, 5.7% miss) Market Capitalization: $9.97 billion While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. Jon Glenn Arfstrom (RBC Capital Markets) asked about the timing of loan growth and its concentration at quarter-end. Vice Chairman and Chief Lending Officer Richard B. Murphy explained it was driven by timing of payoffs and end-of-quarter warehouse line growth, with nothing atypical. Nathan James Race (Piper Sandler) pressed on the outlook for the premium finance portfolio, questioning whether volumes might soften due to market conditions. CEO Timothy S. Crane responded that while premium growth is more modest, unit growth remains solid and pricing is rational. Analyst (TD Cowen) inquired about the sustainability of deposit growth and whether current period-end levels can be maintained. Crane indicated that while quarter-end balances are sometimes lumpy, ongoing customer acquisition should continue to grow the deposit franchise. David John Chiaverini (Jefferies) asked about competition for deposits in core markets. Crane reported pricing re...

Image source: The Motley Fool. Tuesday, April 21, 2026 at 11 a.m. ET President and Chief Executive Officer — Timothy S. Crane Vice Chairman — David Alan Dykstra Chief Financial Officer — David L. Stoehr Chief Legal Officer — Kate Bogie Chief Credit Officer — Richard B. Murphy Timothy S. Crane: Good morning, and thank you for joining us for Wintrust Financial Corporation's First Quarter 2026 Earnings Call. In addition to the introductions that the operator made, I am joined by our Chief Financial Officer, David L. Stoehr, and our Chief Legal Officer, Kate Bogie. We will follow our usual format this morning. I will begin with a few highlights. David Alan Dykstra will review the financial results. Richard B. Murphy will share some thoughts on loan activity and credit quality. I will be back with some closing thoughts, including a look at expectations for the second quarter and generally for the remainder of the year. As always, we will be happy to take your questions. Before we begin, I would like to bring your attention to some changes to the presentation document that accompanies the release of our results. We have modified the design, making some updates to how we present the data based on valuable feedback we have received from many of you. We hope you find the format helpful and informative as we continue to try to provide clear information that highlights our strong market position and our disciplined operating approach. Looking at the first quarter 2026 results, I am very pleased that we delivered a fifth consecutive quarter of record net income. Overall, it was a very solid and straightforward quarter. We continue to focus on our strategic priorities: providing an exceptional customer experience, delivering disciplined and strategic growth across our businesses with a focus on prudent risk management, and investing to build upon our foundation to drive a successful future. That said, despite two fewer days in the quarter, we achieved net income of $227 million, up from $223 million last quarter and $189 million in 2025. While David Alan Dykstra and Richard B. Murphy will provide more detail, in summary, net interest income, net interest margin, and both loan and deposit growth were in line with our expectations. We delivered solid growth in noninterest income, led by our wealth management business. Expenses were well managed, and credit quality remained...

Wintrust reported Q1 2026 net income of $227 million—its fifth consecutive quarter of record earnings—and a stable net interest margin of 3.56% that management expects to remain in the low-3.50s. Deposits rose $1.2 billion and loans grew roughly $1.0 billion (with growth back-end loaded), and the company expects “outsized” Q2 loan growth—driven by P&C premium finance—with mid- to high-single-digit loan growth forecast for the rest of the year. Credit metrics are stable (non-performing loans ~0.34%, net charge-offs 14 bps) and the bank ended the quarter with CET1 10.4%, with potential capital actions once CET1 approaches ~10.5% and upside if proposed standardized capital rules are adopted. Interested in Wintrust Financial Corporation? Here are five stocks we like better. The top-rated strong-buy stocks on Marketbeat’s radar Wintrust Financial (NASDAQ:WTFC) reported first-quarter 2026 net income of $227 million, marking its fifth consecutive quarter of record earnings, as management pointed to steady net interest margin performance, solid organic balance sheet growth, and stable credit quality. President and CEO Tim Crane said the quarter was “very solid and straightforward,” noting that “all of our growth is organic” and that the company continues to focus on customer experience, disciplined growth with prudent risk management, and investing for the future. Wintrust also highlighted external recognition during the quarter, including additional J.D. Power recognition for Illinois banking services and multiple Coalition Greenwich awards for commercial middle-market banking services. → Credo Stock Flashes Strong Bullish Signal—Upswing Just Starting Vice Chairman and COO David Dykstra said deposits rose $1.2 billion in the quarter, an 8% annualized increase, helping fund roughly $1.0 billion of loan growth, or 7% annualized. Dykstra noted that loan growth was “heavily back-end loaded,” with period-end loans about $1.2 billion higher than average loans for the quarter, positioning the company for higher average earning assets in the second quarter. Lower short-term interest rates pressured both asset yields and deposit costs, but the company reported a slightly improved gross spread. Dykstra said loan yields fell 13 basis points from the prior quarter while interest-bearing deposit costs declined 16 basis points. → Allbirds Exits Shoes, Pivots to AI With NewBird R...

This article first appeared on GuruFocus. Net Income: $227 million, up from $223 million last quarter and $189 million in Q1 2025. Deposit Growth: $1.2 billion, representing an 8% increase over the prior quarter on an annualized basis. Loan Growth: Approximately $1 billion, representing a 7% growth rate on an annualized basis. Net Interest Margin: 3.56% for the first quarter, with a 2-basis-point increase from the prior quarter. Non-Interest Income: $134.1 million, up from $130.4 million in the prior quarter. Non-Interest Expenses: $382.6 million, slightly lower than $384.5 million in the prior quarter. Provision for Credit Losses: Remained in the $20 million to $30 million range. Non-Performing Loans: Decreased slightly to $182.8 million, or 0.34% of total loans. Charge-Offs: 14 basis points, down from 17 basis points in the prior quarter. Commercial Real Estate NPLs: Decreased from 0.18% to 0.12%. CRE Office Exposure: $1.7 billion, or 11.7% of total CRE portfolio. Warning! GuruFocus has detected 9 Warning Signs with WTFC. Is WTFC fairly valued? Test your thesis with our free DCF calculator. Release Date: April 21, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Wintrust Financial Corp (NASDAQ:WTFC) delivered a fifth consecutive quarter of record net income, achieving $227 million in net income, up from $223 million last quarter. The company experienced strong organic growth, with deposit growth of $1.2 billion and loan growth of approximately $1 billion during the quarter. Credit quality remained stable, with non-performing loans decreasing slightly and charge-offs for the quarter down from the prior quarter. The Wealth Management business led to solid growth in non-interest income, contributing to an increase in total non-interest income. Wintrust Financial Corp (NASDAQ:WTFC) was recognized by J.D. Power and Coalition Greenwich for its banking services, highlighting its strong market position and customer service focus. Net interest income declined slightly compared to the fourth quarter of 2025, impacted by two fewer days in the quarter. Loan yields and interest-bearing deposit costs decreased due to recent market declines in short-term interest rates. Mortgage banking activity remained subdued, with production-related volumes and revenue unchanged from the prior quarter. The company anticipates s...

Achieved a fifth consecutive quarter of record net income, attributed to a disciplined operating approach and strong organic customer acquisition. Net interest margin remained sustainable at 3.56%, benefiting from a 2 basis point uplift due to fewer days in the quarter and stable gross spreads. Loan growth of approximately $1 billion was heavily back-end loaded, positioning the company for higher average earning assets entering the second quarter. Noninterest income growth was primarily driven by the wealth management business and operating lease revenues, offsetting subdued mortgage banking activity. Credit quality remained stable with nonperforming loans and charge-offs at manageable levels, reflecting a commitment to early problem identification. The company maintains a unique market position by offering more personalized service than larger banks and more sophisticated tools than smaller competitors. Operating expenses were well-managed, with increases in salaries and benefits offset by lower travel, entertainment, and OREO expenses. Expect outsized loan growth in the second quarter driven by seasonal strength in the property and casualty premium finance business. Management anticipates mid- to high-single-digit loan growth for the remainder of 2026, supported by solid pipelines in the C&I space. Net interest margin is expected to remain relatively flat in the 3.50% range, with new loan production yields offsetting deposit costs. Strategic branch expansion is planned for the second half of the year across all three primary markets to build franchise value and deposit share. Full-year 2026 expenses are projected to grow in the mid-single-digit range compared to 2025, with seasonal increases expected in Q2 and Q3. Exposure to nondepository financial institutions is approximately $3.2 billion, with the majority tied to the long-standing mortgage warehouse business. Commercial real estate office exposure is limited to 3.1% of the total loan portfolio, with recent deep-dive analyses showing consistent performance. Proposed capital rule changes are estimated to reduce risk-weighted assets by 6% to 7%, potentially improving the CET1 ratio by 60 to 70 basis points. Mortgage banking revenue is expected to remain in the $20 million to $30 million range unless interest rates drop to approximately 6% or below. Our analysts just identified a stock with the potential...

Wintrust Financial (WTFC) reported $713.17 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 10.9%. EPS of $3.22 for the same period compares to $2.69 a year ago. The reported revenue represents a surprise of +1.66% over the Zacks Consensus Estimate of $701.55 million. With the consensus EPS estimate being $2.96, the EPS surprise was +8.69%. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how Wintrust performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net Interest Margin: 3.5% compared to the 3.5% average estimate based on two analysts. Efficiency Ratio: 53.7% versus the two-analyst average estimate of 55%. Net Interest Income: $579.02 million versus the two-analyst average estimate of $576.7 million. Net interest income - FTE: $581.64 million compared to the $579.56 million average estimate based on two analysts. Total Non-Interest Income: $134.14 million versus the two-analyst average estimate of $124.86 million. View all Key Company Metrics for Wintrust here>>> Shares of Wintrust have returned +11.8% over the past month versus the Zacks S&P 500 composite's +6.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Wintrust Financial Corporation (WTFC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research