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what it is
Wintrust is a Midwest bank that makes money on loans, specialty lending, and managing wealthy clients’ money.
how it gets paid
Last year Wintrust Fin made $266M in revenue. Community Banking was the main engine at $146.3M, or 55% of sales.
why it's growing
Revenue grew 5.9% last year. The quarter capped a record year. Full-year EPS reached $11.40 in 2025.
what just happened
Wintrust's latest quarter landed at $3.15 per share, beating the $2.90 consensus by 8.62%.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
80/100 earnings predictability — you can trust these numbers
13.5x trailing p/e — the market's not buying it — or you found a deal
1.6% dividend yield — cash in your pocket every quarter
xvary composite: 68/100 — average
What they do
Wintrust is a Midwest bank that makes money on loans, specialty lending, and managing wealthy clients’ money.
Wintrust wins by feeling local while operating at real scale. It runs 16 bank subsidiaries across the Chicago area and nearby markets, which keeps customer relationships sticky in a business where your main checking account rarely moves. The proof is blunt: loan growth stayed positive for 18 straight quarters, and 2025 loans grew 11%, above management’s own outlook.
How they make money
$266M
annual revenue · their business grew +5.9% last year
Community Banking
$146.3M
+5.9%
Specialty Finance
$66.5M
+11.0%
Wealth Management
$29.3M
+5.9%
Mortgage Warehouse Lending
$13.3M
+11.0%
Treasury & Other Fees
$10.6M
+5.9%
The products that matter
commercial and consumer lending
regional banking
$266M revenue · 65% interest-driven
this is the whole business. 65% of revenue comes from net interest income, and the loan book has grown for 18 consecutive quarters. if that streak holds, the earnings case stays intact.
core engine
Key numbers
$11.40
record EPS
Wintrust earned a record $11.40 per share in 2025, up 11% from $10.31 in 2024. For you, that says the growth story is real, not a slogan.
18
growth quarters
Loan growth stayed positive for 18 straight quarters. In plain English, this bank keeps finding borrowers while many peers are just defending balance sheets.
13.5x
trailing p/e
P/E → price-to-earnings → what you pay for each dollar of profit. At 13.5x, you are not paying a luxury multiple for a bank that just printed record earnings.
0.35%
bad assets
Nonperforming assets were just 0.35% at year-end 2025. That is low, which tells you credit problems are small today, even if that can change fast in banking.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- return on equity 11% — $0.11 profit for every $1 investors have put in
B++ — functional but not a standout on the balance sheet.
Total return vs. market
You invested $10,000 in WTFC 3 years ago → it's now worth $17,350.
The index would have given you $13,880.
source: institutional data · total return
What just happened
beat estimates
Wintrust's latest quarter landed at $3.15 per share, beating the $2.90 consensus by 8.62%.
The quarter capped a record year. Full-year EPS reached $11.40 in 2025, up 11% from $10.31 in 2024, helped by continued loan growth across the franchise.
$3.15
q4 eps
8.62%
eps beat
$11.40
fy eps
the number that mattered
$3.15 matters because it beat the $2.90 estimate and showed Wintrust entered 2026 with earnings momentum, not just a good 2025 headline.
-
wintrust financial is coming off a banner 2025 campaign.
-
the bank posted record earnings of $11.40 a share, representing improvement of 11% vs. prior year.performance was primarily driven by gains in net interest income, which continued to trend higher on the back of strong balance sheet growth and stable margins. fee revenues also pushed upward in 2025, as increases in deposit account service charges helped to mitigate uninspiring results in the wealth management and mortgage banking businesses.
-
the company has posted positive loan growth in 18 consecutive quarters.lending activity continues to prove resilient across wintrust’s core geographic markets, despite some macroeconomicrelated headwinds. the bank has done a particularly good job of expanding its presence in the chicago area, wisconsin, and western michigan, fueled by a combination of organic growth initiatives and its late-2024 acquisition of macatawa bank.
-
in total, wintrust reported loan growth of 11% in 2025, which surpassed leadership’s year-long commentary calling for mid- to high-single-digit improvement.
-
earnings seem poised to push even higher in 2026 and 2027.our assumption is largely based on favorable trends in net interest income, which we anticipate will continue to be supported by strong balance sheet growth and expectations for stable margins. a potential recovery in mortgage banking revenues could be another meaningful catalyst in the coming years, as credit constraints ease and affordability modestly improves.
source: company earnings report, 2026
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What could go wrong
the #1 risk is a midwest credit turn that breaks the loan-growth streak.
med
credit quality weakens in core markets
wintrust is concentrated in chicago, southern wisconsin, northwest indiana, and west michigan. if those markets soften, loan demand and loan quality can deteriorate at the same time.
that matters because 65% of revenue comes from net interest income. weaker credit does not hit the edges of the model. it hits the model.
med
the 18-quarter growth streak ends
a lot of the current narrative rests on one fact: positive loan growth for 18 consecutive quarters and 11% loan growth in 2025. if that turns flat or negative, the premium for consistency disappears.
the stock can survive a bank that grows slowly. it gets repriced if it stops being the bank that keeps growing.
med
funding costs rise faster than asset yields
banking is spread math. if deposit costs move up faster than loan yields, net interest income gets squeezed even if volumes look fine.
with 65% of revenue tied to interest income, a spread squeeze can turn a decent quarter into an ordinary one very quickly.
65% of revenue is tied to net interest income, so if loan growth slows and spreads tighten at the same time, the earnings story gets hit twice.
source: institutional data · regulatory filings · risk analysis
Pay attention to
trend
the 19th quarter
the next report needs to answer one simple question: did 18 straight quarters of loan growth become 19, or did the streak stop there.
metric
net interest income mix
65% of revenue comes from net interest income. if that share starts slipping, the core banking engine is losing torque.
calendar
next earnings print
you want confirmation that quarterly EPS can keep building off the latest $2.78 result and stay on the path toward the $12.35 estimate.
risk
midwest credit conditions
this is still a regional bank. softness in its core footprint will show up in loan demand, credit quality, or both.
Analyst rankings
short-term outlook
top 20%
momentum score 2 — analysts expect above-average price performance in the year ahead. in human-speak, they like the setup.
risk profile
average
stability score 3 — this is a normal bank risk profile, not a bunker and not a problem child.
chart momentum
average
technical score 3 — the stock is moving with the broader market. no dramatic signal, just steady behavior.
earnings predictability
80 / 100
management has delivered relatively reliable results. you are not usually dealing with surprise chaos here.
source: institutional data
Institutional activity
institutions have been net buying for 3 consecutive quarters — 218 buyers vs. 207 sellers in 3q2025. total institutional holdings: 64.4M shares. net buying for 3 quarters.
source: institutional data
Price targets
3-5 year target range
$118
$221
$154
current price
$170
target midpoint · +11% from current · 3-5yr high: $210 (+35% · 9% ann'l return)
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