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For the quarter ending 2026-03-31, WTFC made $20,970K in revenue. $219,021K in net income. Net profit margin of 1044.45%.

Income Overview

Revenue
$20,970K
Net Income
$219,021K
Net Profit Margin
1044.45%
EPS
$3.22
Unit: Thousand (K) dollars

Income Statement
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Service charges on deposit accounts
20,970 2,054 19,825 23,170
Wealth management
42,059 57,033* 37,188 36,821
Mortgage banking
23,396 23,305* 24,451 -
Service charges on deposit accounts
---19,502
(losses) gains on investment securities, net
-31 1,505 2,972 650
Fees from covered call options
4,669 5,992 5,619 5,624
Trading losss (gaines), net
10 -257 172 151
Operating lease income, net
19,154 16,365 15,466 15,166
Other
23,915 24,393 25,134 23,005
Total non-interest income
134,142 130,390 130,827 124,089
Interest and fees on loans
797,889 822,494 832,140 797,997
Mortgage loans held-for-sale
4,615 5,607 4,757 4,872
Interest-bearing deposits with banks
19,150 27,190 34,992 34,317
Federal funds sold and securities purchased under resale agreements
64 77 75 276
Investment securities
100,278 95,461 86,426 78,053
Trading account securities
0 0 0 0
Federal home loan bank and federal reserve bank stock
5,564 5,497 5,444 5,393
Brokerage customer receivables
0 0 0 0
Total interest income
927,560 956,326 963,834 920,908
Interest on deposits
309,187 332,178 355,846 333,470
Interest on federal home loan bank advances
27,701 26,408 26,007 25,724
Interest on other borrowings
4,026 5,956 6,887 6,957
Interest on subordinated notes
3,719 3,737 3,717 3,735
Interest on junior subordinated debentures
3,903 4,173 4,367 4,328
Total interest expense
348,536 372,452 396,824 374,214
Net interest income
579,024 583,874 567,010 546,694
Provision for credit losses
29,594 27,588 21,768 22,234
Net interest income after provision for credit losses
549,430 556,286 545,242 524,460
Salaries and employee benefits
228,447 222,557 219,668 219,541
Software and equipment
35,654 36,096 35,027 36,522
Operating lease equipment
10,987 11,034 10,409 10,757
Occupancy, net
20,566 20,105 20,809 20,228
Data processing
11,266 11,809 11,329 12,110
Advertising and marketing
13,218 13,792 19,027 18,761
Professional fees
7,375 8,280 7,465 9,243
Amortization of other acquisition-related intangible assets
4,958 4,999 5,196 5,580
Fdic insurance
10,990 10,562 11,418 10,971
Other real estate owned expense, net
-207 -2,162 -262 -505
Other
38,964 43,057 39,418 37,243
Total non-interest expense
382,632 384,453 380,028 381,461
Income before taxes
300,940 302,223 296,041 267,088
Income tax expense
73,552 79,199 79,787 71,561
Net income
227,388 223,024 216,254 195,527
Preferred stock dividends
8,367 8,367 13,295 6,991
Less preferred stock redemption
-0 14,046 -
Net income applicable to common shares
219,021 214,657 188,913 188,536
Basic EPS
3.26 3.205 2.82 2.82
Diluted EPS
3.22 3.151 2.78 2.78
Basic Average Shares
67,246,000 66,975,000 66,952,000 66,931,000
Diluted Average Shares
68,097,000 68,128,000 67,980,000 67,819,000
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Interest and fees on loans$797,889K (3.84%↑ Y/Y)Investment securities$100,278K (39.24%↑ Y/Y)Interest-bearing deposits withbanks$19,150K (-47.91%↓ Y/Y)Federal home loan bankand federal reserve...$5,564K (4.84%↑ Y/Y)Mortgage loansheld-for-sale$4,615K (8.69%↑ Y/Y)Federal funds sold andsecurities purchased under...$64K (-64.25%↓ Y/Y)Total interest income$927,560K (4.58%↑ Y/Y)Net interest income$579,024K (9.98%↑ Y/Y)Wealth management$42,059K (23.55%↑ Y/Y)Other$23,915K (14.78%↑ Y/Y)Mortgage banking$23,396K (13.97%↑ Y/Y)Service charges ondeposit accounts$20,970K (-38.40%↓ Y/Y)Operating lease income,net$19,154K (25.30%↑ Y/Y)Fees from coveredcall options$4,669K (35.49%↑ Y/Y)Total interestexpense$348,536K (-3.32%↓ Y/Y)Trading losss (gaines),net$10K (115.63%↑ Y/Y)Net interest incomeafter provision for...$549,430K (9.34%↑ Y/Y)Total non-interestincome$134,142K (15.01%↑ Y/Y)Provision for creditlosses$29,594K (23.50%↑ Y/Y)(losses) gains oninvestment securities, net-$31K (-100.97%↓ Y/Y)Interest on deposits$309,187K (-3.45%↓ Y/Y)Interest on federal homeloan bank advances$27,701K (8.88%↑ Y/Y)Interest on otherborrowings$4,026K (-40.72%↓ Y/Y)Interest on juniorsubordinated debentures$3,903K (-9.46%↓ Y/Y)Interest on subordinatednotes$3,719K (0.13%↑ Y/Y)Income before taxes$300,940K (18.92%↑ Y/Y)Total non-interestexpense$382,632K (4.52%↑ Y/Y)Net income$227,388K (20.29%↑ Y/Y)Income tax expense$73,552K (14.90%↑ Y/Y)Salaries and employeebenefits$228,447K (8.00%↑ Y/Y)Other$38,964K (0.37%↑ Y/Y)Software and equipment$35,654K (2.70%↑ Y/Y)Occupancy, net$20,566K (-1.02%↓ Y/Y)Advertising and marketing$13,218K (7.71%↑ Y/Y)Data processing$11,266K (-0.07%↓ Y/Y)Fdic insurance$10,990K (0.59%↑ Y/Y)Operating lease equipment$10,987K (4.93%↑ Y/Y)Professional fees$7,375K (-18.45%↓ Y/Y)Amortization of otheracquisition-related intangible...$4,958K (-11.75%↓ Y/Y)Other real estateowned expense, net-$207K (67.81%↑ Y/Y)Net incomeapplicable to common shares$219,021K (20.31%↑ Y/Y)Preferred stock dividends$8,367K (19.68%↑ Y/Y)

WINTRUST FINANCIAL CORP (WTFC)

WINTRUST FINANCIAL CORP (WTFC)