Wintrust Financial Corporation Reports Record Net Income
Wintrust Financial reported record Q3 2026 net income of $239.1 million, or $3.37 per diluted share, up 21% YoY and marking the seventh consecutive quarter of record net income. Year-to-date net income rose 17% to $700.1 million on net interest income of $1.8 billion, with Q3 net interest income up $24.2 million sequentially to $621.6 million and a 3.51% fully taxable-equivalent net interest margin. Balance sheet growth was robust: total loans rose $1.1 billion (8% annualized) and deposits $1.3 billion (8% annualized), with asset quality stable though net charge-offs ticked up to 15 bps from 10 bps.
Key figures
- Eps
- 3.37
- Revenue
- 2209678000
- Guidance
- No formal numeric guidance; management expects positive operating leverage for the year and continued loan growth in Q4 2026
- Revenue Yoy
- 9%
- Roe
- 12.83%
- Npl ratio
- 0.31%
- Total loans
- 56804571000
- Total assets
- 75971620000
- Q3 net income
- 239054000
- Total deposits
- 62435216000
- Ytd net income
- 700135000
- Net charge offs q3
- 21000000
- Ytd net income yoy
- 17%
- Net interest margin
- 3.49%
- Net interest income q3
- 621604000
- Net charge off ratio bps
- 15
- Pre tax pretax provision q3
- 352212000
- Provision for credit losses q3
- 25879000
AI analysis
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