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

Wintrust Reports Record Q4 2025 Net Income of $223.0 Million, Up From $216.3 Million

Positive Impact 3 of 5 earnings Written later

Wintrust Financial reported record fourth-quarter 2025 net income of $223.0 million, or $3.15 per diluted share, up from $216.3 million, or $2.78 per diluted share, in the third quarter. For the full year, net income rose to $823.8 million, or $11.40 per diluted share, from $695.0 million, or $10.31 per diluted share, in 2024. The results are in a earnings release and presentation furnished under Item 2.02.

Key points

  • Q4 2025 net income of $223.0 million, or $3.15 per diluted share, versus $216.3 million, or $2.78, in Q3 2025
  • Full-year 2025 net income of $823.8 million, or $11.40 per diluted share, versus $695.0 million, or $10.31, in 2024
  • Net interest income rose to $583.9 million in Q4 2025, up $16.9 million from Q3 2025; net interest margin was 3.52%
  • Non-performing loans rose to $185.8 million from $162.6 million in Q3 2025

The filing

CompanyWintrust Financial (WTFC)
Form8-K, current report
Filed with the SECJan 20, 2026, 5:10 PM ET
Accession number0001015328-26-000004

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 20, 2026.

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.