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What is the revenue and EPS growth rate for Wintrust Financial year over year?

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What does Wintrust Financial do and what are its main business segments?

- **Revenue Momentum**: 15% YoY growth, supported by disciplined underwriting and market share gains.
- **Financial Resilience**: Stable 3.5% net interest margin, with hedging strategies to mitigate rate risks.
- **Strategic Focus**: Emphasize premium finance and C&I lending for higher margins and lower credit risk.
- **Operational Excellence**: $20M net interest income increase, 6% deposit growth, and controlled expense ratio.

**【CEO Summary Section】**
- **Revenue Growth**: Q3 revenue increased by 15% YoY, driven by North American market recovery and AI investment.
- **Gross Margin**: Expecting improvement in H2 due to operational efficiency and cost control.

**【CFO Financial Commentary】**
- **Net Income**: GAAP net income of $420M, Non-GAAP EPS of $1.08 (exceeds expectations).
- **Expense Management**: Operating expenses declined 5% YoY, reflecting strong cost discipline.

**【Q&A Highlights】**
- **Loan Growth**: $1B Q3 growth, targeting mid-single-digit expansion in 2026.
- **Deposit Strategy**: Focus on organic growth in Midwest, with 80% non-term deposits.
- **Credit Quality**: NPLs stable at 0.25%, with 70% CRE exposure in high-growth sectors.
- **Market Share**: Gaining share in Chicago, Wisconsin, and West Michigan through relationship banking.
- **M&A Outlook**: Open to selective acquisitions aligning with strategic goals.

Wintrust Financial Corporation (WTFC) Q3 2025 Earnings Call Transcript

- **Record Financial Performance**: Q2 net income up 3.2% to $195.5M, with net interest income hitting $547M.
- **Strong Growth**: Loan growth of $2.3B (19% annualized), deposit growth of $2.2B, and 3.54% stable net interest margin.
- **Credit Quality**: NPLs at 0.37%, charge-offs at 11 bps, and 145% ACL coverage of NPLs.
- **Strategic Initiatives**: $425M preferred stock refinancing reduces annual dividends by $1.2M; wealth management platform upgrade complete.
- **Guidance**: Mid- to high single-digit loan growth expected for H2, with cautious optimism on economic conditions.

**【CEO Summary Section】**
- Reported record quarterly net income of $195.5 million, up 3.2% from the previous quarter.
- Net interest income reached $547 million, a new quarterly high, driven by $2.3 billion in loan growth.
- Deposit growth of $2.2 billion (17% annualized) funded loan expansion, with a focus on new commercial and consumer households.
- Emphasized disciplined credit underwriting, with NPLs at 0.37% of total loans and charge-offs at 11 basis points.
- Mortgage banking revenue increased $2.6 million despite high rates, and wealth management revenue rose $2.8 million due to asset valuations.

**【CFO Financial Commentary】**
- GAAP net income: $195.5 million; net interest margin: 3.54%, stable within target range.
- Noninterest income: $124.1 million (+6.1% QoQ), driven by mortgage and wealth management growth.
- Noninterest expenses: $381.5 million (+4.1% QoQ), due to higher salaries, benefits, and seasonal marketing costs.
- Preferred stock issuance: $425M Series F replaced $412.5M Series D/E, reducing annual dividends by $1.2 million.
- Tangible book value per share grew 1.2% YTD, on track for annual increase.

**【Credit Officer Remarks】**
- Loan growth of $2.3B (19% annualized) across all segments, including $1B in premium finance and $377M in CRE.
- CRE NPLs stable at 0.25%, with office portfolio at $1.6B (3.1% of total loans), 48% medical/owner-occupied.
- Mortgage warehouse and leasing teams contributed $213M and $1.2B in growth, respectively.
- Credit quality metrics stable: NPLs 0.37%, charge-offs 11 bps, and ACL coverage 145% of NPLs.
- Cautiously optimistic on economic clarity, with pipelines supporting mid- to high single-digit loan growth.

**【Q&A Highlights】**
- **Loan Growth Guidance**: Mid- to high single-digit growth expected for H2, with Q3 period-end loans $1.5B higher than Q2 average.
- **Deposit Strategy**: $2B+ deposit growth to fund loans, with stable cost of funds despite competitive pressures.
- **Regulatory Environment**: Tailored rules could enhance growth opportunities, with disciplined M&A approach.
- **Interest Rate Risk**: Hedging program provides 1-3 years of margin stability; 10% CET1 ratio seen as floor.
- **Mortgage Market**: Higher origination volumes offset lower margins, with $2.6M revenue increase QoQ.


Wintrust Financial Corporation (WTFC) Q2 2025 Earnings Call Transcript

- **Record Financials**: $189M net income, $526M NII, 6% loan growth, 8% deposit growth. 
- **Margin Strength**: 3.56% NIM (+5bps), stable credit metrics (11bps charge-offs). 
- **Q2 Growth**: Premium finance loans set to drive ~$1B growth. 
- **CRE Resilience**: 35% owner-occupied CRE, disciplined underwriting. 
- **Dividend Boost**: Annualized dividend increased to $2 per share.

**【CEO Summary Section】**
- Reported quarterly net income of $189 million and record net interest income of $526 million, despite 2 fewer business days. 
- Loans grew by $650 million (6% annualized), deposits by $1.1 billion (8% annualized). 
- Net interest margin improved to 3.56%, up 5 basis points from prior quarter. 
- Charge-offs at 11 basis points, down from 13 basis points in Q4. 
- Dividend increased to $2 per share annually.

**【CFO Financial Commentary】**
- Noninterest expenses controlled at $366.1 million, down $2.4 million from prior quarter. 
- Employee benefit expenses decreased due to lower commissions and health claims. 
- Noninterest income stable at $116.6 million, with offsetting gains and revenue declines. 
- CET1 capital ratio at 10.1%, up from 9.8% in Q4. 
- Tangible book value per share grew to $78.83, up 4.6% year-over-year.

**【Credit Performance】**
- Loan growth driven by premium finance (+$218M), mortgage warehouse (+$126M), and CRE (+$72M). 
- Nonperforming loans stable at 35 basis points, CRE charge-offs at 1 basis point. 
- Office CRE portfolio at $1.6 billion, 45% medical/owner-occupied. 
- CRE underwriting disciplined, with 79% of maturing loans reviewed.

**【Q&A Highlights】**
- **Loan Growth Outlook**: Q2 expected to be strongest quarter for premium finance loans (~$1B growth). 
- **Credit Risk**: Elevated uncertainty but stable credit metrics; 35% of CRE loans owner-occupied. 
- **Wealth Management**: Platform transition impacting Q1, but momentum expected post-integration. 
- **M&A Appetite**: Capital available for disciplined acquisitions post-Bremer close. 
- **Deposit Strategy**: Growing deposits to match loan demand, focusing on noninterest-bearing relationships.

Wintrust Financial (WTFC)-22 Apr 25-2025 Q1 Earnings call transcript

- **Record Financial Results**: 11.5% YoY net income growth with $185.4 million Q4 profit, fueled by $2 billion+ earning asset expansion.
- **Stable Margin Outlook**: 3.5% net interest margin guidance for 2025 despite competitive pricing pressures.
- **Credit Resilience**: NPL ratio down to 36bps, CRE office exposure well-secured with 44% medical/owner-occupied collateral.
- **Growth Drivers**: Mid-single-digit loan growth pipeline supported by strong C&I, leasing, and niche premium finance businesses.
- **Risk Management**: 50% of maturing CRE loans qualify for renewal, 34% expect short-term extensions, limiting downside risk.


**【CEO Summary Section】**
- **Record Yearly Performance**: Full-year net income of $695 million, up 11.5% YoY, driven by stable net interest margin and balanced loan/deposit growth.
- **Q4 Highlights**: $185.4 million net income, $1 billion loan growth (8% annualized), and $1.1 billion deposit growth (9% annualized). Net interest margin held steady at 3.51%.
- **2025 Outlook**: Target mid- to high-single-digit loan growth, stable margin (~3.5%), and cautious optimism on mortgage recovery.

**【CFO Financial Commentary】**
- **Revenue Growth**: Net interest income up $22.6 million QoQ to record levels, supported by $2.6 billion in earning asset growth.
- **Cost Efficiency**: Non-interest expenses rose 2.2% QoQ but declined as a percentage of assets (2.31% vs. 2.36% prior quarter).
- **Capital Strength**: Risk-based capital ratios stable, tangible book value per share continues 10-year growth trend.

**【Credit Performance】**
- **Loan Growth**: Full-year organic loan growth of $4.6 billion (11%), with strong momentum in leasing, mortgage warehouse, and premium finance.
- **Credit Quality**: Non-performing loans down 38bps to 36bps, charge-offs at 13bps (vs. 23bps prior quarter). CRE office exposure stable at $1.7 billion (3.5% of total loans).
- **Risk Management**: Proactive portfolio reviews show 50% of maturing CRE loans qualify for renewal, 34% expect short-term extensions.

**【Key Q&A Themes】**
- **Loan Growth Competition**: Management maintains discipline, prioritizing quality over volume despite increased market activity.
- **Expense Management**: Target mid-single-digit expense growth vs. high-single-digit loan growth for operating leverage.
- **Mortgage Outlook**: Spring recovery possible if rates dip below 6%, but current activity muted.
- **Capital Allocation**: Focus on organic growth (e.g., Rockford expansion) with disciplined M&A approach.
- **Wildfire Impact**: Minimal expected impact on premium finance portfolio, which is 85% commercial/owner-occupied.


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