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Mar 31, 2025
Wintrust Q1 2025 Earnings Report
Wintrust reported record net income in Q1 2025, driven by higher net interest income and strong loan and deposit growth.
Key Takeaways
Wintrust Financial Corporation delivered a strong start to 2025 with record quarterly net income of $189 million, supported by rising net interest income and disciplined loan growth funded by robust deposit inflows.
Net income reached a record $189 million in Q1 2025.
Net interest income rose to $526.5 million due to margin expansion and balance sheet growth.
Deposits grew by $1.1 billion, outpacing loan growth of $653 million.
Net charge-offs decreased to $12.6 million, reflecting improved credit quality.
Revenue by Segment
Forward Guidance
Management expects continued strong loan growth and stable net interest margins to support higher net interest income in Q2 2025, while maintaining conservative credit standards.
Positive Outlook
- Solid loan pipelines indicate continued growth in Q2.
- Stable net interest margin expected to support higher net interest income.
- Conservative credit standards to sustain asset quality.
- Strong deposit franchise to continue supporting funding.
- Expense discipline expected to enhance operating leverage.
Challenges Ahead
- Macroeconomic uncertainty poses risk to performance.
- Market volatility may affect wealth management revenue.
- Higher provision for credit losses due to economic outlook adjustments.
- Decline in assets under management could pressure fees.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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