Wintrust FY 2025 net income rises 19% to USD 823.8 million

Reuters02-27
Wintrust FY 2025 net income rises 19% to USD 823.8 million

Wintrust said FY 2025 net income was USD 823.8 million, with diluted EPS of USD 11.40. Net interest income was USD 2.2 billion (+13%), and net interest margin was 3.52%. Net revenue was USD 2.7 billion (+11%), including non-interest income of USD 501.9 million (+3%) and non-interest expense of USD 1.5 billion (+8%); the efficiency ratio was 55.64% (55.40% on an FTE basis). Period-end totals included assets of USD 71.1 billion (+10%), loans (ex-HFS) of USD 53.1 billion (+11%), deposits of USD 57.7 billion (+10%), and shareholders’ equity of USD 7.3 billion (+14%); book value per share was USD 102.03. Wintrust highlighted loan growth “across all major loan portfolios” and said higher net interest income was driven mainly by a USD 7.4 billion increase in average earning assets, while it repriced deposits to help stabilize margin as short-term rates declined. Credit metrics remained low, with non-performing loans at 0.35% of total loans at FY 2025 and provision for credit losses of USD 95.6 million. Business updates included a full-year impact from the Macatawa acquisition (completed August 1, 2024; purchase accounting finalized in Q1 2025), a USD 20.0 million gain in Q1 2024 from the sale of the RBA division, and preferred capital actions in 2025: issuance of USD 425.0 million Series F preferred stock and redemption of Series D (USD 125.0 million) and Series E (USD 287.5 million).

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Wintrust Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001015328-26-000007), on February 26, 2026, and is solely responsible for the information contained therein.

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