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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

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

WTFC

WTFC fundamentals

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