Analyst Consensus ?
ConsensusBuy22 ratings
Bullish1568.2%
Neutral731.8%
Bearish00.0%
Wintrust Financial Corporation · WTFC · FY2025 Q4 · Calendar Q1 2026
Wintrust maintains growth plan as margins and credit quality hold
Wintrust's record profitability, stable margins, solid credit quality and Midwest loan and deposit growth support its growth plan, but the outlook depends on mortgage activity, expense discipline, rate conditions and CRE performance.
Reported After market closeNASDAQFinancial Services
$10.10B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$3.15
Consensus $2.93
EPS surprise
+7.5%
Reported versus consensus
Reported revenue
$714.3M
Consensus $701.9M
Revenue surprise
+1.8%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+4.7%
Event window
SPY move
+1.2%
Same window
Abnormal move
+3.6%
Stock minus SPY
Volume
2.9×
Versus trailing sessions
Subsequent drift
+1.3%
Up to 20 sessions
WTFCSPY benchmark
Ask FN2 about WTFC FY2025 Q4
Transcript, numbers and history already loaded
Why did WTFC rise 4.7% after beating EPS estimates in FY2025 Q4?What changed in WTFC's guidance and outlook in FY2025 Q4?Give me the bull and bear case for WTFC after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The current analysis adds a 2025 record net income figure, a $200 million authorized buyback plan, and continued 2026 growth and margin priorities; management also highlighted technology, talent and selective expansion.
Guidance delta
Maintained: 2026 mid- to high-single-digit loan growth and continued net interest margin stability.
Key takeaways
- 2025 record profitability was supported by loan and deposit growth across the Midwest footprint.
- Net interest margin remained around 3.5%, while credit quality stayed strong and CRE non-performing loans remained low.
- Management continues to emphasize organic expansion, technology and talent investment, and selective small acquisitions.
Management priorities
- Support growth with investment in tools, technology and people
- Expand into additional Midwest MSAs and open new branches
- Grow wealth management and fee-based services while maintaining disciplined capital allocation
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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| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FCNCA First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +9.9% | First Citizens raises Q4 outlook after strong loan and deposit growth |
| FCNCN First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | FY2026 Q3 · Calendar Q4 2026 | — | +0.5% | First Citizens: Strong Q3 Growth, Higher 2026 Guidance |
| FCNCO First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +0.3% | First Citizens reports strong Q3 growth and raises guidance |
| FCNCP First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +1.0% | First Citizens: Strong Q3 growth supports a raised outlook |
| AXP American Express Company | FY2026 Q3 · Calendar Q4 2026 | — | -3.6% | American Express raises EPS outlook as premium cards and AI drive growth |
| BBD Banco Bradesco S.A. | FY2026 Q3 · Calendar Q4 2026 | -7.7% | +3.0% | Bradesco: Loan growth and capital strength offset credit risks |
Latest beats and misses
Who reports nextBeat on EPS
- RITM-PDFY2026 Q3 · October 23, 2026+10.2% EPS— move
- FIXFY2026 Q3 · October 22, 2026+8.2% EPS-8.5% move
- DECKFY2027 Q2 · October 22, 2026+13.4% EPS-0.2% move
- OMCFY2026 Q3 · October 22, 2026+2.2% EPS+2.6% move
- SSNCFY2026 Q3 · October 22, 2026+0.6% EPS+2.8% move
- BEFY2026 Q3 · October 22, 2026+36.0% EPS-8.7% move
Missed on EPS
- 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
- HBANPFY2026 Q3 · October 22, 2026-5.3% EPS0.0% move
Get the WTFC recap when the next report posts
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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 · 2026-10-24T01:10:43.635301+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-24T01:10:43.632593+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.