WTFC · Wintrust Financial Corp
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 21, 2026TL;DR. WinTrust reported record Q2 net income of $233.7M (sixth straight record quarter) on strong organic loan (+$1.6B, 12% annualized) and deposit (+$2.2B, 15% annualized) growth, while net interest margin compressed 4 bps to 3.50% (3.52% FTE) due to premium finance back-book repricing and competitive pricing pressure, and management reaffirmed mid-to-high single-digit loan growth and a $3.50 NIM (plus or minus a few basis points) for the rest of the year.
- + Strong diversified loan growth of $1.6B (12% annualized) funded by $2.2B organic deposit growth (15% annualized) with deposit costs flat.
- + Strong credit quality with NPLs at 0.32% of loans and Q2 net charge-offs of 10 bps, down from 14 bps.
- + Announced agreement to acquire Northern Trust guardianship services business, a bolt-on in a known wealth-management business.
- − Net interest margin compressed 4 bps sequentially to 3.50% GAAP (3.52% FTE) due to back-book repricing and competitive pressure.
- − Wealth management revenue declined ~$2.2M sequentially as Q1 had benefited from performance-based revenues on certain customer relationships.
- − Management expects mortgage revenue to fall back into the low $20M range in Q3 as seasonal home-buying activity subsides.
- − Competitive pricing pressure on premium finance and CRE led the company to pass on larger deals to preserve discipline.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WTFC
this stock
Wintrust Financial Corp
|
$9.86B | +1.4% | +5.9% | 11.7 | 3.9% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +51.0% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.6% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WTFC | -1.3% | -4.7% | -3.8% | -5.7% | +1.4% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | -0.7% | -4.8% | -16.0% | -5.1% | -10.4% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.