Analyst Consensus ?
ConsensusBuy22 ratings
Bullish1568.2%
Neutral731.8%
Bearish00.0%
Wintrust Financial Corporation · WTFC · FY2025 Q3 · Calendar Q4 2025
Wintrust posts another record quarter as margins hold near 3.5%
The quarter supports a constructive operating case for Wintrust: loan and deposit growth, resilient credit quality, and expansion in premium finance and leasing provide support. The main test is whether management can sustain roughly 3.5% net interest margin while rates, funding costs, and competition change.
Reported After market closeNASDAQFinancial Services
$10.17B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$3.06
Consensus $2.63
EPS surprise
+16.3%
Reported versus consensus
Reported revenue
$697.8M
Consensus $689.5M
Revenue surprise
+1.2%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+2.3%
Event window
SPY move
-0.0%
Same window
Abnormal move
+2.3%
Stock minus SPY
Volume
2.7×
Versus trailing sessions
Subsequent drift
-3.2%
Up to 20 sessions
WTFCSPY benchmark
Ask FN2 about WTFC FY2025 Q3
Transcript, numbers and history already loaded
Why did WTFC rise 2.3% after beating EPS estimates in FY2025 Q3?What changed in WTFC's guidance and outlook in FY2025 Q3?Give me the bull and bear case for WTFC after FY2025 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Relative to the prior quarter, management again reported record results and continued strong loan and deposit growth. The current analysis adds detail on NDFI exposure, premium finance's balance-sheet importance, and the company's confidence that margins can remain near 3.5% despite anticipated rate cuts.
Guidance delta
Management maintained its outlook for mid- to high-single-digit loan and deposit growth and a net interest margin around 3.5%.
Key takeaways
- Record net income and net interest income were driven by loan and deposit growth.
- Management said credit quality remained very good, with low CRE delinquencies and charge-offs.
- Premium finance and leasing remain important growth engines.
- The key debate is whether the franchise can defend margins through rate cuts and competition.
Management priorities
- Grow loans and deposits across the Midwest franchise.
- Manage deposit costs and use interest-rate swaps to support the net interest margin.
- Invest in premium finance, leasing, and wealth management.
- Pursue organic expansion and selective small-bank acquisitions while maintaining disciplined underwriting.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$150.77Current
$120Low
$164.67Average
$195High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 24, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| TD Cowen | Buy | Buy | Maintain | Oct 21, 2026 |
| Piper Sandler | Overweight | Overweight | Maintain | Oct 21, 2026 |
| Barclays | Overweight | Overweight | Maintain | Oct 5, 2026 |
| DA Davidson | Buy | Buy | Maintain | Jul 22, 2026 |
| Truist Securities | Buy | Buy | Maintain | Jul 10, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Apr 22, 2026 |
| Citigroup | Buy | Buy | Maintain | Apr 22, 2026 |
| Stephens & Co. | Overweight | Overweight | Maintain | Jan 22, 2026 |
| Jefferies | Buy | Buy | Maintain | Oct 21, 2025 |
| Raymond James | Strong Buy | Strong Buy | Maintain | Jul 23, 2025 |
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Jul 23, 2025 |
| Wedbush | Outperform | Outperform | Maintain | Oct 22, 2024 |
| UBS | Buy | Buy | Maintain | Jan 23, 2024 |
| Hovde Group | Outperform | Market Perform | Upgrade | Feb 1, 2023 |
| Janney Montgomery Scott | Buy | Neutral | Upgrade | Mar 8, 2022 |
| Janney Capital | Neutral | Buy | Downgrade | Nov 25, 2020 |
| SunTrust Robinson Humphrey | Hold | Hold | Maintain | May 19, 2020 |
| Keefe Bruyette & Woods | Market Perform | Outperform | Downgrade | Jan 23, 2020 |
| Stephens& Co. | Overweight | Overweight | Maintain | Jan 22, 2020 |
| Macquarie | Neutral | Neutral | Maintain | Jan 20, 2016 |
| Stifel Nicolaus | Hold | Buy | Downgrade | Sep 4, 2012 |
| Stifel | Hold | Buy | Downgrade | Sep 4, 2012 |
Named analyst price targets
Upside is calculated against the persisted current price $150.77. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Raymond James | Analyst unavailable | $165 | $147.56 | +9.4% | Oct 21, 2026 |
| D.A. Davidson | Jeff Rulis | $180 | $146.15 | +19.4% | Oct 20, 2026 |
| Deutsche Bank | Bernard Von Gizycki | $175 | $144.2 | +16.1% | Oct 12, 2026 |
| Piper Sandler | Analyst unavailable | $195 | $145.02 | +29.3% | Oct 5, 2026 |
| Barclays | Analyst unavailable | $190 | $145.02 | +26.0% | Oct 5, 2026 |
| Wells Fargo | Terry McEvoy | $160 | $143.71 | +6.1% | Sep 24, 2026 |
| D.A. Davidson | Jeff Rulis | $190 | $158.27 | +26.0% | Jul 22, 2026 |
| Piper Sandler | Analyst unavailable | $186 | $158.93 | +23.4% | Jul 22, 2026 |
| Capital One Financial | John Rodis | $170 | $158.98 | +12.8% | Jul 21, 2026 |
| D.A. Davidson | Jeff Rulis | $185 | $158.98 | +22.7% | Jul 21, 2026 |
| Truist Financial | Analyst unavailable | $183 | $161.56 | +21.4% | Jul 10, 2026 |
| Raymond James | Daniel Tamayo | $180 | $161.45 | +19.4% | Jul 7, 2026 |
| Barclays | Jared Shaw | $192 | $161.94 | +27.3% | Jul 7, 2026 |
| UBS | Analyst unavailable | $170 | $162.78 | +12.8% | Jul 7, 2026 |
| Stephens | Brandon Rud | $160 | $132.19 | +6.1% | Mar 27, 2026 |
| UBS | Analyst unavailable | $176 | $156.04 | +16.7% | Feb 4, 2026 |
| Truist Financial | Brian Foran | $170 | $145 | +12.8% | Jan 26, 2026 |
| D.A. Davidson | Analyst unavailable | $172 | $155.24 | +14.1% | Jan 22, 2026 |
| RBC Capital | Analyst unavailable | $175 | $153.91 | +16.1% | Jan 22, 2026 |
| Stephens | Analyst unavailable | $162 | $153.6 | +7.4% | Jan 22, 2026 |
| Piper Sandler | Nathan Race | $184 | $151.54 | +22.0% | Jan 22, 2026 |
| Barclays | Analyst unavailable | $185 | $151.54 | +22.7% | Jan 22, 2026 |
| D.A. Davidson | Jeff Rulis | $165 | $150.34 | +9.4% | Jan 21, 2026 |
| RBC Capital | Analyst unavailable | $160 | $143.27 | +6.1% | Jan 12, 2026 |
| Barclays | Analyst unavailable | $178 | $141.81 | +18.1% | Dec 19, 2025 |
| Truist Financial | Brian Foran | $158 | $127.07 | +4.8% | Oct 23, 2025 |
| Piper Sandler | Nathan Race | $161 | $129.41 | +6.8% | Oct 22, 2025 |
| D.A. Davidson | Jeff Rulis | $158 | $128.29 | +4.8% | Oct 21, 2025 |
| Jefferies | David Chiaverini | $160 | $125.29 | +6.1% | Oct 21, 2025 |
| Barclays | Jared Shaw | $175 | $131.67 | +16.1% | Oct 8, 2025 |
| RBC Capital | Jon Arfstrom | $158 | $135.14 | +4.8% | Jul 23, 2025 |
| Jefferies | David Chiaverini | $145 | $122.02 | -3.8% | May 20, 2025 |
| Raymond James | David Long | $143 | $107.68 | -5.2% | Apr 23, 2025 |
| Piper Sandler | Nathan Race | $141 | $107.68 | -6.5% | Apr 23, 2025 |
| Piper Sandler | Nathan Race | $136 | $114.76 | -9.8% | Oct 23, 2024 |
| Citigroup | Benjamin Gerlinger | $135 | $114.76 | -10.5% | Oct 23, 2024 |
| D.A. Davidson | Kevin Reevey | $130 | $114.76 | -13.8% | Oct 22, 2024 |
| Piper Sandler | Nathan Race | $131 | $112.29 | -13.1% | Oct 22, 2024 |
| Truist Financial | Brandon King | $123 | $110.2 | -18.4% | Sep 20, 2024 |
| Citigroup | Benjamin Gerlinger | $126 | $107.65 | -16.4% | Aug 26, 2024 |
| Truist Financial | Brandon King | $118 | $105.02 | -21.7% | Jul 22, 2024 |
| Piper Sandler | Nathan Race | $125 | $105.02 | -17.1% | Jul 19, 2024 |
| Barclays | Jared Shaw | $130 | $95.3 | -13.8% | Apr 19, 2024 |
| Jefferies | Ken Usdin | $120 | $100.72 | -20.4% | Apr 8, 2024 |
| Piper Sandler | Analyst unavailable | $121 | $98.02 | -19.7% | Apr 21, 2022 |
| Raymond James | Analyst unavailable | $130 | $95.91 | -13.8% | Apr 21, 2022 |
Track every rating change on WTFC the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationWintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises.…
Historical context
All WTFC earningsFinancial Services peers this season
Latest reports in the same sector
Latest beats and misses
Who reports nextBeat on EPS
- FCNCAFY2026 Q3 · October 23, 2026+19.9% EPS+8.2% move
- FCNCNFY2026 Q3 · October 23, 2026+19.9% EPS+0.2% move
- FCNCOFY2026 Q3 · October 23, 2026+19.9% EPS+1.0% move
- FCNCPFY2026 Q3 · October 23, 2026+19.9% EPS+1.0% move
- RDYFY2027 Q2 · October 23, 2026+24.0% EPS-0.2% move
- SLBFY2026 Q3 · October 23, 2026+3.7% EPS+7.1% move
Missed on EPS
- INFYFY2027 Q2 · October 23, 2026-4.8% EPS-6.6% move
- BBDFY2026 Q3 · October 22, 2026-7.7% EPS+3.0% move
- SNAFY2026 Q3 · October 22, 2026-5.9% EPS-3.4% move
- SPOTFY2026 Q3 · October 22, 2026-11.6% EPS+11.1% move
- VRSNFY2026 Q3 · October 22, 2026-2.0% EPS-0.9% move
- HBANMFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
Get the WTFC recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-10-24T07:50:41.769194+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-24T07:50:41.766474+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-24. For educational purposes only; not investment advice.