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

Wintrust Reports Record Q3 Net Income of $216.3 Million, Up 27% From a Year Earlier

Positive Impact 3 of 5 earnings Written later

Wintrust Financial reported third-quarter 2025 net income of $216.3 million, or $2.78 per diluted share, up from $170.0 million a year earlier but flat on the per-share measure from the second quarter. Net income for the first nine months rose to $600.8 million, or $8.25 per diluted share, versus $509.7 million, or $7.67, a year earlier. Shareholders should note that third-quarter per-share earnings absorbed one-time preferred stock charges, which the company says excluding would have produced $3.06 per diluted share.

Key points

  • Q3 2025 net income was $216.3 million, up 11% from $195.5 million in Q2 2025 and up 27% from $170.0 million in Q3 2024.
  • Diluted EPS was $2.78 in both Q3 2025 and Q2 2025, and $2.47 in Q3 2024; non-GAAP EPS excluding one-time preferred stock impacts was $3.06.
  • Net interest income rose $20.3 million to $567.0 million, while net interest margin fell four basis points to 3.48%.
  • Net charge-offs increased to $24.6 million from $13.3 million in Q2 2025, while non-performing loans fell to $162.6 million from $188.8 million.

The filing

CompanyWintrust Financial (WTFC)
Form8-K, current report
Filed with the SECOct 20, 2025, 5:18 PM ET
Accession number0001015328-25-000203

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 October 20, 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.