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AI brief of an SEC Form 8-K · Wintrust Financial (WTFC)

Wintrust Financial Reports Record 2024 Net Income of $695.0 Million

Positive Impact 3 of 5 earnings Written later

Wintrust Financial Corporation reported 2024 net income of $695.0 million, or $10.31 per diluted share, up from $622.6 million, or $9.58 per diluted share, in 2023, and described the result as a record full year. For the fourth quarter, net income was $185.4 million, or $2.63 per diluted share, compared with $170.0 million, or $2.47 per diluted share, in the third quarter, so per-share earnings rose from the prior quarter. The results were furnished in a Form 8-K with an earnings release and presentation dated January 21, 2025.

Key points

  • Full-year 2024 net income was $695.0 million, or $10.31 per diluted share, versus $622.6 million, or $9.58 per diluted share, in 2023.
  • Fourth-quarter 2024 net income was $185.4 million, or $2.63 per diluted share, versus $170.0 million, or $2.47 per diluted share, in the third quarter of 2024.
  • Net interest margin was 3.49% in the fourth quarter, unchanged from the third quarter, while net charge-offs fell to $15.9 million from $26.7 million.
  • The Macatawa Bank acquisition, completed August 1, 2024, added approximately $15.8 million of operating expenses in the fourth quarter.

The filing

CompanyWintrust Financial (WTFC)
Form8-K, current report
Filed with the SECJan 21, 2025, 5:17 PM ET
Accession number0001015328-25-000029

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:56 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 21, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.