Wintrust Financial Corporation · WTFC · Next earnings

Wintrust Financial Corporation reports Tuesday, Jan 19, 2027

WTFC reports after market close with consensus EPS at $3.40 and revenue at $770.0M. Last quarter: Wintrust Q3: Record Earnings, Stable Margin and Continued Growth

Reports After market close88 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $3.40 Calendar consensus
Consensus revenue $770.0M Calendar consensus
Report date Jan 19, 2027 Tuesday, date estimated
Session After market close 88 days away

Where WTFC left off: FY2026 Q3

Full report

Wintrust Q3: Record Earnings, Stable Margin and Continued Growth

EPS surprise +1.8% Reported $3.37 vs $3.31
Revenue surprise +0.4% Reported $757.9M vs $754.5M
Stock move +2.7% Event window
Subsequent drift +2.4% Up to 20 sessions

Management maintained its mid-to-high single-digit loan and deposit growth targets and expects net interest margin to remain broadly flat.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Higher rates could pressure borrowers, particularly in commercial real estate.
  • Competitive deposit pricing could erode margin.
  • A softer premium-finance market may limit growth.
  • Macro and rate volatility could affect loan demand and credit performance.
  • Commercial real estate exposure remains a credit-quality risk.

Questions analysts left open

  • Lending-pipeline detail and commercial real estate growth drivers
  • Deposit pricing and the ability to keep funding costs low
  • Q4 and 2027 expense outlook, including FDIC expense recovery
  • Potential capital-management effects from AOCI changes

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Recent WTFC quarters

All WTFC earnings
+2.7%FY2026 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.