Wintrust (WTFC) earnings

WINTRUST FINANCIAL CORP· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Wintrust earnings: last reported Tue, 20 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	234 $ million	+19.5% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Guidance

What management said, and what became of it

9 of 9 judged targets kept · 8 open · verdicts reflect calls analysed to Jun 2026.

WINTRUST FINANCIAL CORP management guidance track record on Inve: 17 targets tracked across analysed earnings calls (9 achieved, 0 missed, 8 open).

Target	Original wording	Said	Latest call	Verdict
CET1 ratio build rate and floor	grow roughly 10 basis points a quarter; ~10% floor	Jun 2025	Jun 2026:the CET1 was 10.4% this quarter, and that's flat given obviously the very substantial growth in the balance sheet. Call transcript, Jun 2026 · no direct link	On Track

Source: Inve Guidance Tracker for WINTRUST FINANCIAL CORP · to Jun 2026

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

8 of WINTRUST FINANCIAL CORP's 17 targets are still open. See which are on track and which have gone quiet. The 1 above are the free sample; 16 more targets are in the full ledger.

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See the full record

Price

$150.77 +0.68% · +$1.02

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +19.6% 1Y

1Y: $126.02 on 22 Oct 2025 → $150.77. High $166.9 (16 Jul 2026), low $123.45 (17 Nov 2025).

Previous close: $149.75
52-week range: $123.45 – $166.9
One year: +19.56%

Overview

Symbol: WTFC
Sector: Financials
Exchange: US
Currency: USD

Guidance

What management said, and what became of it

9 of 9 judged targets kept · 8 open · verdicts reflect calls analysed to Jun 2026.

WINTRUST FINANCIAL CORP management guidance track record on Inve: 17 targets tracked across analysed earnings calls (9 achieved, 0 missed, 8 open).

Target	Original wording	Said	Latest call	Verdict
CET1 ratio build rate and floor	grow roughly 10 basis points a quarter; ~10% floor	Jun 2025	Jun 2026:the CET1 was 10.4% this quarter, and that's flat given obviously the very substantial growth in the balance sheet. Call transcript, Jun 2026 · no direct link	On Track

Source: Inve Guidance Tracker for WINTRUST FINANCIAL CORP · to Jun 2026

The full ledger

Open WINTRUST FINANCIAL CORP’s full ledger

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Financials

What the filings say

Net profit, year on year: +20% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	616	—	—	—	—	—	—	—
Interest	406	388	360	374	397	372	349	364
Profit before tax	233	253	253	267	296	302	301	318
Tax rate	26.9%	26.8%	25.3%	26.8%	26.9%	26.2%	24.4%	26.5%
Net profit	170	185	189	196	216	223	227	234
EPS ($ per share)	2.51	—	2.73	2.82	2.82	—	3.26	3.34

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	57	58	58	59	61	61	67	67
Reserves	1,611	1,900	2,080	2,448	2,849	3,345	3,897	4,538
Total liabilities	27,977	32,929	40,965	45,643	48,153	50,860	58,535	63,883
Fixed assets	671	754	769	766	765	749	779	782
Total assets	31,245	36,621	45,081	50,142	52,950	56,260	64,880	71,142

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	377	266	-518	1,131	1,375	744	722	910
Cash from investing	-2,763	-4,019	-7,182	-5,929	-3,491	-3,238	-5,946	-6,169
Cash from financing	2,501	3,647	7,737	4,887	2,196	2,426	5,260	5,268
Net cash flow	115	-106	36	89	80	-68	35	9
Capital expenditure	-68	-82	-64	-57	-53	-46	-86	-50
Free cash flow	309	184	-582	1,074	1,322	698	636	860

Source: Inve data · cash flow · to Dec 2025

WTFC revenue by segment

WTFC revenue by business segment, share of consolidated revenue by quarter
Segment	Q1 FY2024	Q2 FY2024	Q3 FY2024	YoY growth latest quarter
Community Banking	72%	73%	75%	—
Specialty Finance	18%	22%	19%	—
Wealth Management	11%	7%	7%	—

Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.

See how segments are shifting across companies → Segment Shift

WTFC operating KPIs by quarter

WTFC operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Mar 2026 Q1 FY26	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Net interest margin	3.56% The net interest margin was 3.56% for the first quarter and the 2 fewer days in the quarter positively impacted net interest margin by 2 basis points. Source: earnings call transcript	3.52% The result was a margin of 3.52% for the second quarter of 2026 and has ranged from 3.50% to 3.59% during the last 10 quarters, showing the sustained stability of this metric. Source: earnings call transcript	3.51% The improvement in net interest income was primarily the result of an increase of $2.1 billion in average earning assets, which was offset slightly by a 1 basis point decline in the net interest margin which was 3.51% for the third quarter. Source: earnings call transcript	0 pt
Common equity tier 1 ratio (CET1)	10.4% So we ended the quarter, CET1 at 10.4%, with substantial growth in the second quarter. Source: earnings call transcript	10.4% Just to give everybody a background, the CET1 was 10.4% this quarter, and that's flat given obviously the very substantial growth in the balance sheet. Source: earnings call transcript	—	0 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

104 filings between Oct 29, 2025 and Sep 30, 2026.

Open market

decisions to buy or sell

Purchases

None

No insider bought shares.

Sales

$7.32M

13 sales by 7 insiders

Compensation

not trading decisions

65: Award — granted as compensation
17: Tax withheld — shares kept back by the company to cover tax

Also filed: 9 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
DYKSTRA DAVID A	—	$3.63M	Aug 13, 2026
Boege Kathleen M	—	$1.53M	Feb 4, 2026
MURPHY RICHARD B	—	$1.07M	Mar 2, 2026
STOEHR DAVID L	—	$819.6K	Apr 23, 2026
Hahnfeld Jeffrey D	—	$122.9K	Mar 4, 2026
Lee David Eric	—	$82.3K	Jan 30, 2026
MCKINNEY SUZET M	—	$74.5K	May 4, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 30, 2026	KENNEY BRIAN A Director	Award	470	$75.5K
Sep 30, 2026	WASHINGTON ALEX E III Director	Award	434	$69.8K
Sep 30, 2026	MCKINNEY SUZET M Director	Award	354	$56.9K
Sep 30, 2026	LEFEVRE DEBORAH L. HALL Director	Award	439	$70.6K
Sep 30, 2026	Smith Gregory A Director	Award	388	$62.4K
Sep 30, 2026	CONNELLY ELIZABETH H. Director	Award	412	$66.2K
Sep 30, 2026	GLABE MARLA F Director	Award	361	$58.0K
Sep 30, 2026	Kohl Laura A. Director	Award	346	$55.6K
Sep 30, 2026	TEGLIA KARIN GUSTAFSON Director	Award	420	$67.5K
Sep 30, 2026	RICHTER DAVID S Director	Award	394	$63.3K
Sep 30, 2026	CRIST PETER D Director	Award	616	$99.0K
Aug 20, 2026	DYKSTRA DAVID A VICE CHAIRMAN AND COO	Award	153	$23.3K
Aug 20, 2026	WEHMER EDWARD J FOUNDER AND SENIOR ADVISOR	Award	218	$33.3K
Aug 17, 2026	ZIDAR THOMAS P CHAIRMAN SR MKT HD WEALTH -MTG	Gift	1,000	$0
Aug 13, 2026	DYKSTRA DAVID A VICE CHAIRMAN AND COO	Sale	13,515	$2.20M
Jun 30, 2026	WASHINGTON ALEX E III Director	Award	534	$74.2K
Jun 30, 2026	KENNEY BRIAN A Director	Award	488	$67.8K
Jun 30, 2026	TEGLIA KARIN GUSTAFSON Director	Award	485	$67.4K
Jun 30, 2026	LEFEVRE DEBORAH L. HALL Director	Award	505	$70.2K
Jun 30, 2026	CONNELLY ELIZABETH H. Director	Award	474	$65.9K
Jun 30, 2026	Kohl Laura A. Director	Award	399	$55.4K
Jun 30, 2026	GLABE MARLA F Director	Award	416	$57.8K
Jun 30, 2026	Smith Gregory A Director	Award	447	$62.1K
Jun 30, 2026	MCKINNEY SUZET M Director	Award	408	$56.7K
Jun 30, 2026	CRIST PETER D Director	Award	710	$98.6K
Jun 30, 2026	RICHTER DAVID S Director	Award	424	$58.9K
May 28, 2026	WEHMER EDWARD J FOUNDER AND SENIOR ADVISOR	Award	220	$33.2K
May 28, 2026	DYKSTRA DAVID A VICE CHAIRMAN AND COO	Award	154	$23.2K
May 5, 2026	MURPHY RICHARD B VICE CHAIR,CHIEF LENDING OFC	Gift	1,661	$0
May 4, 2026	MCKINNEY SUZET M Director	Sale	500	$74.5K
Apr 27, 2026	DYKSTRA DAVID A VICE CHAIRMAN AND COO	Sale	9,579	$1.43M
Apr 23, 2026	STOEHR DAVID L CHIEF FINANCIAL OFFICER	Sale	3,020	$454.4K
Mar 31, 2026	LEFEVRE DEBORAH L. HALL Director	Award	500	$69.9K
Mar 31, 2026	CONNELLY ELIZABETH H. Director	Award	470	$65.7K
Mar 31, 2026	DOYLE WILLIAM J Director	Award	466	$65.2K
Mar 31, 2026	GLABE MARLA F Director	Award	412	$57.6K
Mar 31, 2026	HACKETT H PATRICK JR Director	Award	12	$1.7K
Mar 31, 2026	Smith Gregory A Director	Award	438	$61.2K
Mar 31, 2026	RICHTER DAVID S Director	Award	405	$56.6K
Mar 31, 2026	CRIST PETER D Director	Award	703	$98.3K
Mar 31, 2026	TEGLIA KARIN GUSTAFSON Director	Award	479	$67.0K
Mar 31, 2026	KENNEY BRIAN A Director	Award	438	$61.2K
Mar 31, 2026	Kohl Laura A. Director	Award	395	$55.2K
Mar 31, 2026	MCKINNEY SUZET M Director	Award	404	$56.5K
Mar 31, 2026	WASHINGTON ALEX E III Director	Award	524	$73.3K
Mar 27, 2026	WEHMER EDWARD J FOUNDER AND SENIOR ADVISOR	Tax withheld	5,929	$788.4K
Mar 4, 2026	Hahnfeld Jeffrey D EVP-CONTROLLER & CHIEF ACC OFF	Sale	530	$77.2K
Mar 2, 2026	MURPHY RICHARD B VICE CHAIR,CHIEF LENDING OFC	Sale	3,979	$585.4K
Feb 25, 2026	Hahnfeld Jeffrey D EVP-CONTROLLER & CHIEF ACC OFF	Tax withheld	222	$33.3K
Feb 25, 2026	DYKSTRA DAVID A VICE CHAIRMAN AND COO	Tax withheld	4,172	$625.1K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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