You came from your AI assistant. Add Equibles to it and ask about this data directly, free.
Wintrust Financial Corporation posted record net income of $239 million for the seventh consecutive quarter and expects fourth-quarter loan and deposit growth in the mid to high single digits with a stable margin.
Wintrust Financial Corporation reported record third-quarter 2026 net income of $239.1 million, or $3.37 per diluted common share. Total loans increased $1.1 billion and total deposits increased $1.3 billion from the second quarter of 2026.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;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.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| (I) Total tangible common shareholders’ equity (non-GAAP) non-GAAP | $5,949,852 | Sep 30, 2026 | — |
| (K) Total tangible assets (non-GAAP) non-GAAP | $75,056,926 | Sep 30, 2026 | — |
| (O) Tangible net income applicable to common shares (non-GAAP) non-GAAP | $685.83M | Nine Months Ended Sep 30, 2026 | — |
| (Q) Total average tangible common shareholders’ equity (non-GAAP) non-GAAP | $6.16B | Nine Months Ended Sep 30, 2026 | — |
| Add: Current period end mandatory interest rate lock commitments to fund originations for sale ( | $93.18M | Nine Months Ended Sep 30, 2026 | — |
| Allowance as a % of Category | 1.22% | 9/30/2026 | — |
| Allowance as a % of Total Loans | 0.86% | 9/30/2026 | — |
| Allowance for loan losses as a percentage of loans at period end | 0.71% | As of Sep 30, 2026 | — |
| Annualized NCOs as a % of Average Total Loans | 0.15% | Q3 2026 | — |
| assets under management | 1.2B | September 30, 2026 | — |
| Average balances | 781.7M | third quarter of 2026 | — |
| average earning asset growth | 2.1B | the third quarter of 2026 | — |
| Average loans to average deposits ratio | 91.8% | Three Months Ended Sep 30, 2026 | — |
| Average Size of Loan ($ in Millions) | $1.6M | As of 9/30/2026 | — |
| Balance ($ in Millions) | $1.66B | As of 9/30/2026 | — |
| Bank subsidiaries | 16 | Sep 30, 2026 | — |
| Banking offices | 211 | Sep 30, 2026 | — |
| Canada property & casualty insurance | -23% | Jun 30, 2026 | — |
| capital leases | 3.1B | September 30, 2026 | — |
| Client Assets Under Administration | 51.5B | Q3 2026 | — |
| Commercial and industrial | 13% | Jun 30, 2026 | — |
| Commercial construction | 1% | Jun 30, 2026 | — |
| Common equity tier 1 capital ratio | 10.5% | Sep 30, 2026 | — |
| Common equity to assets ratio | 9% | Sep 30, 2026 | — |
| Consumer and other | -24% | Jun 30, 2026 | — |
| Core Loan Period End Balance | 33.9B | 9/30/2026 | — |
| Costless Collar Total | 1.75B | 9/30/2026 | — |
| CRE office as a % to Total CRE | 11.09% | As of 9/30/2026 | — |
| CRE office as a % to Total Loans | 2.92% | As of 9/30/2026 | — |
| Duration | 6 | September 30, 2026 | — |
| Efficiency ratio | 53.41% | Three Months Ended September 30, 2026 | — |
| Efficiency ratio (non-GAAP) (H/(E+F-G)) non-GAAP | 53.47% | Nine Months Ended Sep 30, 2026 | — |
| equipment on operating leases | 363.2M | September 30, 2026 | — |
| Franchise | -14% | Jun 30, 2026 | — |
| Home equity | 13% | Jun 30, 2026 | — |
| Industrial | 22% | Jun 30, 2026 | — |
| Insurance entity lending | -14% | Jun 30, 2026 | — |
| Interest rate spread | 2.85% | Nine Months Ended Sep 30, 2026 | — |
| Life insurance | 10% | Jun 30, 2026 | — |
| loans | 1.3B | September 30, 2026 | — |
| Loans serviced for others (D) | $12.79B | Nine Months Ended Sep 30, 2026 | — |
| Loans Still Accruing that are 30-89 Days Past Due Ratio | 0.47% | 9/30/2026 | — |
| loans-to-deposits ratio | 91% | the end of the third quarter of 2026 | — |
| Mixed use and other | 39% | Jun 30, 2026 | — |
| Money market | 19% | Jun 30, 2026 | — |
| Mortgage warehouse lines of credit | -31% | Jun 30, 2026 | — |
| MSR - Current period capitalization | $22.26M | Nine Months Ended Sep 30, 2026 | — |
| MSRs, at fair value (E) | $238.49M | Nine Months Ended Sep 30, 2026 | — |
| Multi-family | 26% | Jun 30, 2026 | — |
| NDFI Loan Portfolio Breakdown | $3.29B | Q3 2026 | — |
| Net charge-offs | -21M | Three Months Ended Sep 30, 2026 | — |
| Net free funds | 16.4B | Nine Months Ended Sep 30, 2026 | — |
| Net free funds/contribution | 0.68% | Nine Months Ended Sep 30, 2026 | — |
| Net interest income, fully taxable-equivalent (non-GAAP) non-GAAP | 624.37M | three months ended Sep 30, 2026 | — |
| Net interest margin | 3.49% | the third quarter of 2026 | — |
| Net interest margin (GAAP) | 3.49% | Three Months Ended September 30, 2026 | — |
| Net interest margin, fully taxable-equivalent (non-GAAP) non-GAAP | 3.53% | Nine Months Ended Sep 30, 2026 | — |
| Net overhead ratio | 1.44% | Three Months Ended Sep 30, 2026 | — |
| Niche Loan Period End Balance | 22.9B | 9/30/2026 | — |
| Non-interest bearing deposit balances | 19% | the third quarter of 2026 | — |
| Non-interest-bearing | -7% | Jun 30, 2026 | — |
| Non-Performing Loan (NPL) Ratio | 0.4% | 9/30/2026 | — |
| Non-performing loans | 176.9M | September 30, 2026 | — |
| NOW and interest-bearing demand deposits | 30% | Jun 30, 2026 | — |
| NPLs as a % of Total Loans | 0.31% | Q3 2026 | — |
| Office | 13% | Jun 30, 2026 | — |
| Originations within the insurance premium financing receivables portfolios | 5.4B | the third quarter of 2026 | — |
| Other real estate owned | $16.4M | As of Sep 30, 2026 | — |
| Owner Occupied or Medical % | 53% | 9/30/2026 | — |
| Percentage of MSRs to loans serviced for others (E / D) | 1.86% | Nine Months Ended Sep 30, 2026 | — |
| Pre-tax income, excluding provision for credit losses (non-GAAP) non-GAAP | $352.21M | Three Months Ended September 30, 2026 | — |
|
|
|||
| Purchases | 69% | Nine Months Ended Sep 30, 2026 | — |
| Ramp Scenario: +100 Basis Points | -1.3% | Sep 30, 2026 | — |
| Received Fixed Swap Total | 5.8B | 9/30/2026 | — |
| Refinances | 31% | Nine Months Ended Sep 30, 2026 | — |
| Residential construction | -9% | Jun 30, 2026 | — |
| Residential real estate loans for investment | 13% | Jun 30, 2026 | — |
| Retail | 9% | Jun 30, 2026 | — |
| Return on average assets | 1.27% | Three Months Ended Sep 30, 2026 | — |
| Return on average common equity | 12.83% | Three Months Ended Sep 30, 2026 | — |
| Return on average tangible common equity, annualized (non-GAAP) (O/Q) non-GAAP | 14.89% | Nine Months Ended Sep 30, 2026 | — |
| Savings | -7% | Jun 30, 2026 | — |
| Tangible book value per common share (non-GAAP) (I/M) non-GAAP | $88.18 | Q3 2026 | — |
| Tangible common equity ratio (non-GAAP) (I/K) non-GAAP | 7.9% | Q3 2026 | — |
| Tier 1 capital ratio | 11.2% | Sep 30, 2026 | — |
| Tier 1 leverage ratio | 9.8% | Sep 30, 2026 | — |
| Time certificates of deposit | -11% | Jun 30, 2026 | — |
| Total capital ratio | 12.5% | Sep 30, 2026 | — |
| Total core loans | 14% | Jun 30, 2026 | — |
| Total Deposit Rate | 2.73% | September 30, 2026 | — |
| Total deposits increased by | 1.3B | the third quarter of 2026 | — |
| Total Investment Portfolio Yield | 4.04% | Q3 '26 | — |
| Total Loan Period End Balance | 56.8B | 9/30/2026 | — |
| Total loans increased by | 1.1B | the third quarter of 2026 | — |
| Total loans past due greater than 90 days and still accruing | $27.49M | As of Sep 30, 2026 | — |
| Total mortgage production volume (C) | $2.02B | Nine Months Ended Sep 30, 2026 | — |
| Total niche loans | 0% | Jun 30, 2026 | — |
| Total non-accrual loans | $149.42M | As of Sep 30, 2026 | — |
| Total non-performing assets | $193.31M | As of Sep 30, 2026 | — |
| Total non-performing loans | $176.9M | As of Sep 30, 2026 | — |
| Total Shareholder Return of WTFC Compared to KRXTR (1-Year) | 113% | 9/30/26 | — |
| Total Shareholder Return of WTFC Compared to KRXTR (10-Year) | 279% | 9/30/26 | — |
| Total Shareholder Return of WTFC Compared to KRXTR (3-Year) | 196% | 9/30/26 | — |
| Total Shareholder Return of WTFC Compared to KRXTR (5-Year) | 187% | 9/30/26 | — |
| Variable rate loans tied to one-month SOFR | 20.9B | as of September 30, 2026 | — |
| Variable rate loans tied to twelve-month CMT | 8.4B | as of September 30, 2026 | — |
| Wealth management deposits | 100% | Jun 30, 2026 | — |
| Year-over-year deposit growth | 10% | September 2026 Year-to-Date | — |
| Effective tax rate | 26.5% | Three Months Ended June 30, 2026 filing | -1.1% |
|
|
|||
| Mortgage loans originated for sale | $835M | the second quarter of 2026 filing | — |
| Originations for investment | 315.49M | Three Months Ended June 30, 2026 filing | — |
|
|
|||
| Production margin | 1.67% | Three Months Ended June 30, 2026 filing | -19.3% |
|
|
|||
| Servicing income | 10.72M | Three Months Ended June 30, 2026 filing | +1.9% |
|
|
|||
| Total fair value mortgage banking revenue | 1.25M | Three Months Ended June 30, 2026 filing | — |
|
|
|||
| Total operational mortgage banking revenue | 26.19M | Three Months Ended June 30, 2026 filing | +6.7% |
|
|
|||
| Total originations | 1.15B | Three Months Ended June 30, 2026 filing | — |
|
|
|||
| Total originations for sale | 834.97M | Three Months Ended June 30, 2026 filing | — |
|
|
|||
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WTFC
this stock
Wintrust Financial Corp
|
$10.49B | +11.2% | +5.9% | 11.9 | 4.5% |
|
HDB
Hdfc Bank Ltd
|
$132.87B | -29.3% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +41.3% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$123.94B | +15.8% | — | — | 0.5% |
|
USB
US Bancorp \De\
|
$95.04B | +14.3% | +4.4% | 11.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WTFC | +2.8% | +7.9% | +2.7% | +2.0% | +11.2% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | +0.2% | +9.1% | +2.2% | +2.2% | +0.6% |
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.
