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Sep 30
Wintrust Q3 2025 Earnings Report
Wintrust reported record net income and solid loan and deposit growth in Q3 2025.
Key Takeaways
Wintrust delivered a strong Q3 2025 with record net interest income and net income, driven by growth in loans and deposits. Despite modest margin compression, operating results remained robust.
Net income reached a quarterly record of $216,254,000.
Adjusted EPS was $3.06 after excluding one-time preferred stock items.
Total revenue grew to $697,837,000 due to higher net interest and non-interest income.
Loan and deposit balances both saw strong sequential growth.
Wintrust
Wintrust
Wintrust Revenue by Segment
Revenue by Segment
Wealth Management Revenue
CapyFin.com Forward Guidance
Management anticipates continued balance sheet and net interest income growth in Q4 2025, supported by stable margins and strong pipelines.
Positive Outlook
- Net interest margin expected to remain stable.
- Loan pipelines remain strong across portfolios.
- Continued growth in deposits expected.
- Non-performing loans and charge-offs remain low.
- Market share gains in key regions like Illinois and Wisconsin.
Challenges Ahead
- Net interest margin showed slight decline vs. Q2.
- Increased net charge-offs from prior quarter.
- Provision for credit losses remains elevated.
- Preferred stock redemption created one-time EPS drag.
- Macroeconomic uncertainties continue to pose credit risks.