Wintrust Financial (NASDAQ:WTFC) Posts Quarterly Earnings Results, Beats Expectations By $0.22 EPS

Wintrust Financial (NASDAQ:WTFC) posted its earnings results on Tuesday. The bank reported $3.15 earnings per share for the quarter, beating the consensus estimate of $2.93 by $0.22, FiscalAI reports. Wintrust Financial had a net margin of 18.85% and a return on equity of 12.82%. The business had revenue of $586.67 million for the quarter, compared to analyst estimates of $700.85 million. During the same quarter in the previous year, the business posted $2.63 EPS.

Wintrust Financial Price Performance

NASDAQ WTFC opened at $144.72 on Wednesday. The company’s 50 day simple moving average is $139.02 and its 200 day simple moving average is $133.93. The company has a debt-to-equity ratio of 0.65, a current ratio of 1.00 and a quick ratio of 1.00. The firm has a market capitalization of $9.69 billion, a PE ratio of 13.30 and a beta of 0.88. Wintrust Financial has a 12 month low of $89.10 and a 12 month high of $149.79.

Wintrust Financial Dividend Announcement

The business also recently disclosed a quarterly dividend, which was paid on Thursday, November 20th. Stockholders of record on Thursday, November 6th were issued a $0.50 dividend. The ex-dividend date was Thursday, November 6th. This represents a $2.00 annualized dividend and a dividend yield of 1.4%. Wintrust Financial’s dividend payout ratio (DPR) is 18.38%.

More Wintrust Financial News

Here are the key news stories impacting Wintrust Financial this week:

• Positive Sentiment: Record profitability and EPS beat: Wintrust reported record full‑year net income of $823.8M and Q4 net income of $223.0M; diluted EPS of $3.15 beat consensus. Management highlighted strong operating momentum. GlobeNewswire: Record Net Income
• Positive Sentiment: Loan and deposit growth: Total loans and deposits each rose about $1.0B in Q4 (8% and 7% annualized), supporting record net interest income and underlying earnings power. Slide Deck
• Positive Sentiment: Net interest margin and net interest income improved slightly, supporting record NII for the quarter — a key positive for bank revenue sensitivity to asset repricing. GlobeNewswire: NII & NIM details
• Neutral Sentiment: Analyst coverage and valuation notes: Several recent analyst buy/overweight ratings and mid‑$160s median price target support upside but also reflect recent upgrades already priced in. QuiverQuant: Analyst targets & coverage
• Neutral Sentiment: Investor materials and replay: Management will host a conference call/webcast; slide deck and replay available for deeper detail on guidance and portfolio composition. Investor Relations
• Negative Sentiment: Revenue shortfall vs. consensus: Reported quarterly revenue (~$586.7M) came in below analyst estimates, which weighed on the headline despite the EPS beat. MSN: Q4 sales summary
• Negative Sentiment: Credit and non‑interest items: Provision for credit losses rose sequentially and non‑performing loans increased slightly; non‑interest income (investment gains, mortgage banking production) was mixed/softer. These trends introduce some near‑term risk to revenue stability. GlobeNewswire: credit & non-interest income details
• Negative Sentiment: Insider activity and liquidity notes: Recent mixed insider trades and the continued need to monitor deposit pricing and spreads as the rate environment evolves may concern some investors focused on near‑term capital/credit volatility. QuiverQuant: Insider & institutional activity

Analyst Ratings Changes

WTFC has been the subject of several analyst reports. Weiss Ratings restated a “buy (b-)” rating on shares of Wintrust Financial in a research note on Wednesday, October 8th. Royal Bank Of Canada reissued an “outperform” rating and issued a $160.00 price objective on shares of Wintrust Financial in a research report on Monday, January 12th. Citigroup raised their target price on Wintrust Financial from $159.00 to $167.00 and gave the company a “buy” rating in a research note on Tuesday, December 30th. Barclays boosted their price target on Wintrust Financial from $175.00 to $178.00 and gave the stock an “overweight” rating in a research note on Friday, December 19th. Finally, DA Davidson reiterated a “buy” rating and set a $158.00 price objective on shares of Wintrust Financial in a research note on Tuesday, October 21st. One research analyst has rated the stock with a Strong Buy rating, eleven have issued a Buy rating and two have issued a Hold rating to the stock. According to MarketBeat.com, Wintrust Financial has a consensus rating of “Moderate Buy” and a consensus target price of $154.50.

Institutional Investors Weigh In On Wintrust Financial

Several hedge funds and other institutional investors have recently bought and sold shares of WTFC. Advisors Asset Management Inc. acquired a new position in shares of Wintrust Financial in the 1st quarter worth approximately $27,000. State of Wyoming acquired a new position in shares of Wintrust Financial in the 2nd quarter valued at $41,000. EverSource Wealth Advisors LLC lifted its position in Wintrust Financial by 400.0% in the 2nd quarter. EverSource Wealth Advisors LLC now owns 400 shares of the bank’s stock worth $50,000 after buying an additional 320 shares in the last quarter. Advisory Services Network LLC purchased a new stake in shares of Wintrust Financial during the third quarter worth $62,000. Finally, Johnson Financial Group Inc. acquired a new stake in Wintrust Financial during the third quarter valued at $71,000. 93.48% of the stock is currently owned by institutional investors.

Wintrust Financial Company Profile

Wintrust Financial Corporation is a Chicago‐area bank holding company headquartered in Rosemont, Illinois. Through its primary subsidiary, Wintrust Bank, the company operates a network of community banks serving metropolitan Chicago and select markets in southeastern Wisconsin. These locally branded banks provide personalized commercial and consumer banking solutions tailored to small and mid‐size businesses, professionals, and individual clients.

The firm’s core offerings include deposit products, commercial and residential lending, treasury management, and mortgage banking services.