Overview

* Wintrust Financial Corp ( WTFC ) Q3 net revenue beats analyst expectations, driven by strong loan and deposit growth

* EPS for Q3 2025 beats analyst expectations, despite one-time preferred stock impact

* Company reports improved credit quality with lower non-performing loans in Q3 2025

Outlook

* Wintrust expects loan growth in mid-to-high single digits for remainder of 2025

* Company anticipates net interest income expansion in fourth quarter

* Wintrust remains committed to high credit quality through disciplined management

Result Drivers

* LOAN AND DEPOSIT GROWTH - Strong loan and deposit growth contributed to record net interest income in Q3 2025

* ASSET GROWTH - Average earning asset growth drove a $20.3 mln increase in net interest income

* CREDIT QUALITY IMPROVEMENT - Improved credit quality with lower non-performing loans and disciplined credit management

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Beat $697.83 $689.63

Revenue mln mln (12

Analysts

)

Q3 $3.06

Adjusted

EPS

Q3 EPS Beat $2.78 $2.67

(13

Analysts

)

Q3 Net $567.01

Interest mln

Income

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 12 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy"

* Wall Street's median 12-month price target for Wintrust Financial Corp ( WTFC ) is $156.50, about 21.6% above its October 17 closing price of $122.74

* The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release:

For questions concerning the data in this report, contact [email protected]. For any other questions or feedback, contact .

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)