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

Wintrust reports record second-quarter net income of $195.5 million, or $2.78 per share

Positive Impact 3 of 5 earnings Written later

Wintrust Financial reported record net income of $195.5 million, or $2.78 per diluted share, for the second quarter of 2025, up from $189.0 million, or $2.69 per share, in the first quarter. Net interest income rose to $546.7 million, while the net interest margin eased two basis points to 3.52%. Management said it expects net interest income to rise further in the third quarter.

Key points

  • Second-quarter net income was $195.5 million, or $2.78 per diluted share, versus $189.0 million, or $2.69, in the first quarter of 2025.
  • Net income for the first six months of 2025 was $384.6 million, or $5.47 per diluted share, compared with $339.7 million, or $5.21, a year earlier.
  • Net interest income was $546.7 million, up from $526.5 million in the first quarter, while the net interest margin was 3.52%, down from 3.54%.
  • Provision for credit losses was $22.2 million, down from $24.0 million in the first quarter of 2025.

The filing

CompanyWintrust Financial (WTFC)
Form8-K, current report
Filed with the SECJul 21, 2025, 4:45 PM ET
Accession number0001015328-25-000172

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 July 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.