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

Wintrust Financial reports record third-quarter net income of $239.1 million

Positive Impact 3 of 5 earnings

Wintrust Financial Corporation reported record net income of $239.1 million, or $3.37 per diluted share, for the third quarter of 2026, up from $233.7 million, or $3.30 per diluted share, in the second quarter and $216.3 million, or $2.78 per diluted share, a year earlier. For the first nine months of 2026, net income rose 17% to $700.1 million, or $9.89 per diluted share. Net charge-offs rose to $21.0 million from $13.4 million in the prior quarter, and the net interest margin eased to 3.49%.

Key points

  • Net interest income rose to $621.6 million from $597.4 million in the second quarter of 2026.
  • Net interest margin was 3.49%, down one basis point from 3.50% in the second quarter of 2026.
  • Net charge-offs were $21.0 million, or 15 basis points of average total loans, up from $13.4 million, or 10 basis points.
  • Total deposits rose $1.3 billion to $62.4 billion, and total loans rose $1.1 billion to $56.8 billion as of September 30, 2026.

The filing

CompanyWintrust Financial (WTFC)
Form8-K, current report
Filed with the SECOct 19, 2026, 4:52 PM ET
Accession number0001015328-26-000026

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 7, 2026, 11:17 PM ET, from this filing only.

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.