NASDAQ$WTFC
Wintrust Financial Corporation · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Wintrust reported Q4 2025 net income of $223.0M with record net interest income of $583.9M and diluted EPS of $3.15.
Fourth-quarter net income was $223.0 million ($3.15 per diluted share) with pre-tax pre-provision income of $329.8 million. Net interest income rose to a record $583.9 million as net interest margin improved to 3.54% on strong earning-asset growth.
- Q4 net income $223.0M; diluted EPS $3.15.
- Record net interest income $583.9M.
- NIM 3.54% (+4 bps QoQ).
- FY25 net income $823.8M (+19% YoY).
Headline financials
Revenue & EPS history
Wintrust · Revenue · Quarterly
$584M
Forward guidance
The release discusses Wintrust Financial's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.
Tailwinds
- Wintrust Financial cites operational execution and demand trends supporting the outlook.
- Balance sheet and liquidity actions aim to fund growth and returns.
- Net interest income and deposit growth support the earnings outlook.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
- Credit quality, funding costs, and rate sensitivity remain key swing factors.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
-0.3%
Avg return
Earnings day
+0.7%
Avg return
5 days after
+2.2%
Avg return
30 days after
54%
37 / 68 earnings
Positive
+9.3%
Q3 2021
Best reaction
-9.7%
Q2 2019
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.8% | -0.6% | +0.5% | |
| Q4 2025 | +4.5% | +1.2% | +8.0% | |
| Q3 2025 | +2.2% | +2.0% | +1.1% | |
| Q2 2025 | -0.6% | +0.7% | +6.0% | |
| Q1 2025 | +5.2% | +9.2% | +17.0% | |
| Q3 2024 | -0.5% | -2.0% | +13.4% | |
| Q2 2024 | -5.0% | -3.1% | -10.0% | |
| Q1 2024 | +0.9% | +5.1% | +7.9% | |
| Q4 2023 | +2.1% | +6.1% | +3.5% | |
| Q3 2023 | +1.5% | -1.6% | +12.0% | |
| Q2 2023 | +3.3% | +2.1% | -5.1% | |
| Q1 2023 | -1.4% | -3.1% | -8.9% | |
| Q4 2022 | -1.9% | +2.7% | +7.1% | |
| Q3 2022 | +0.9% | -0.6% | -4.5% | |
| Q2 2022 | +1.8% | +2.3% | +5.7% | |
| Q1 2022 | +7.4% | +3.9% | -9.1% | |
| Q4 2021 | -2.7% | -3.5% | -3.2% | |
| Q3 2021 | +9.3% | +9.6% | +10.3% | |
| Q2 2021 | -1.2% | -3.1% | +0.6% | |
| Q1 2021 | -6.2% | -1.3% | -1.8% | |
| Q4 2020 | -5.5% | -5.5% | -0.3% | |
| Q3 2020 | +3.2% | +0.7% | +12.3% | |
| Q2 2020 | +5.1% | +7.3% | +3.6% | |
| Q1 2020 | +4.7% | +6.4% | +14.5% | |
| Q4 2019 | -5.4% | -7.1% | -5.7% | |
| Q3 2019 | -2.2% | +0.2% | +1.9% | |
| Q2 2019 | -9.7% | -7.4% | -15.4% | |
| Q1 2019 | +1.8% | +0.1% | -3.8% | |
| Q4 2018 | -5.1% | -2.5% | +0.0% | |
| Q3 2018 | -4.6% | -8.6% | -6.9% | |
| Q2 2018 | +3.1% | +2.6% | +2.6% | |
| Q1 2018 | +1.0% | +3.7% | +7.4% | |
| Q4 2017 | +0.3% | +0.2% | -1.3% | |
| Q3 2017 | +2.1% | +1.8% | +0.6% | |
| Q2 2017 | +2.4% | -0.1% | -7.3% | |
| Q1 2017 | +1.3% | +6.3% | +4.5% | |
| Q4 2016 | +0.0% | +2.9% | +10.5% | |
| Q3 2016 | +0.6% | +0.8% | +16.8% | |
| Q2 2016 | -1.1% | +0.5% | +1.6% | |
| Q1 2016 | +8.3% | — | — | |
| Q4 2015 | -7.9% | — | — | |
| Q3 2015 | -8.8% | — | — | |
| Q2 2015 | +3.1% | — | — | |
| Q1 2015 | +2.2% | — | — | |
| Q4 2014 | +1.4% | — | — | |
| Q3 2014 | +1.9% | — | — | |
| Q2 2014 | +3.1% | — | — | |
| Q1 2014 | -1.0% | — | — | |
| Q4 2013 | -3.1% | — | — | |
| Q3 2013 | +0.4% | — | — | |
| Q2 2013 | +1.1% | — | — | |
| Q1 2013 | -3.5% | — | — | |
| Q4 2012 | -1.2% | — | — | |
| Q3 2012 | -1.7% | — | — | |
| Q2 2012 | +0.4% | — | — | |
| Q1 2012 | +0.6% | — | — | |
| Q4 2011 | +0.4% | — | — | |
| Q4 2008 | -5.5% | — | — | |
| Q3 2011 | -5.5% | — | — | |
| Q2 2011 | -4.5% | — | — | |
| Q4 2010 | -4.5% | — | — | |
| Q1 2010 | +0.5% | — | — | |
| Q1 2011 | +0.2% | — | — | |
| Q4 2009 | -1.6% | — | — | |
| Q3 2009 | -2.2% | — | — | |
| Q3 2010 | -2.2% | — | — | |
| Q2 2009 | -1.0% | — | — | |
| Q2 2010 | -1.0% | — | — |
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