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

Wintrust Financial posts record Q1 2025 net income of $189.0 million

Positive Impact 3 of 5 earnings Written later

Wintrust Financial Corporation reported first-quarter 2025 net income of $189.0 million, or $2.69 per diluted share, up from $185.4 million, or $2.63 per diluted share, in the fourth quarter of 2024. The company said this was a record quarterly net income, though diluted EPS was below the $2.89 reported in the first quarter of 2024.

Key points

  • Net income of $189.0 million, or $2.69 per diluted share, for Q1 2025, compared with $2.63 per diluted share in Q4 2024 and $2.89 in Q1 2024
  • Net interest income rose to $526.5 million, and net interest margin increased to 3.54% from 3.49% in Q4 2024
  • Total deposits increased by about $1.1 billion and total loans increased by $653 million in the quarter
  • Provision for credit losses was $24.0 million, up from $17.0 million in Q4 2024, while net charge-offs fell to $12.6 million

The filing

CompanyWintrust Financial (WTFC)
Form8-K, current report
Filed with the SECApr 21, 2025, 5:24 PM ET
Accession number0001015328-25-000126

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 April 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.