Wintrust Financial Corporation (WTFC) Earnings Call Transcripts

Wintrust Financial Corporation's Latest Earnings Call - Q1 FY2026

Wintrust Financial Corporation reported its first quarter 2026 earnings, achieving a fifth consecutive quarter of record net income at $227 million, up from $223 million in the previous quarter and $189 million in Q1 2025. Revenue growth was supported by a solid increase in noninterest income, particularly from the Wealth Management business. The company maintained stable credit quality and managed expenses well. Management provided guidance for continued mid- to high single-digit loan growth for the remainder of the year, with stable net interest margins around 3.5%.

Reported metrics

Guidance from management

Management expects mid- to high single-digit loan growth for the remainder of 2026, with stable net interest margins around 3.5%. Expenses are anticipated to be seasonally higher in Q2 but well managed overall.

What management said

Yes. I would only add on the mortgage warehouse. Our growth is a little larger there than it is mortgage in general because we've taken share from some of our competitors and continue to do a nice job of adding very high-quality mortgage originators generally on the larger side.

Yes. And Rich can help me here. But we don't have as much tailwind as we've had from premium growth in prior years. I think premiums are pretty flat to maybe up slightly as opposed to up quite a bit in prior periods. So that will play a little bit of a role. But we continue to grow units, which is encouraging for the growth of our business. I think pricing is fairly rational in that market. As we've talked about in t...

What analysts pressed on

Analysts questioned the sustainability of loan growth given macroeconomic uncertainties and the impact of deposit competition in the Midwest. There were also inquiries about the potential for margin improvement and the impact of hedges rolling off.

Main topics on the call

• Record Net Income — Wintrust delivered a fifth consecutive quarter of record net income at $227 million, up from $223 million in the previous quarter. Management highlighted this as a key achievement despite two fewer days in the quarter.
• Loan and Deposit Growth — The company reported deposit growth of $1.2 billion, an 8% increase on an annualized basis, and loan growth of approximately $1 billion, representing a 7% growth rate. Management noted that loan growth was heavily back-e...
• Stable Net Interest Margin — Net interest margin was stable at 3.56%, with management noting that it has ranged from 3.50% to 3.59% over the last nine quarters. This stability is seen as a positive indicator for future earnings.
• Noninterest Income Growth — Noninterest income increased to $134.1 million from $130.4 million in the prior quarter, driven by strong performance in wealth management and operating lease revenues.

Read the full Wintrust Financial Corporation transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 43 Wintrust Financial Corporation earnings call transcripts on record, spanning January 22, 2020 to July 21, 2026. Based on this history, Wintrust Financial Corporation reports quarterly. The most recent call on file is dated July 21, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

WTFC

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Banks

Calls on record

43

First call

January 22, 2020

Most recent

July 21, 2026

Reporting cadence

quarterly