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

What is Wintrust Financial Pref F ADR's latest dividend and current dividend yield?

Did Wintrust Financial Pref F ADR beat or miss consensus estimates last quarter?

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

What factors drove the changes in Wintrust Financial Pref F ADR's revenue and profit?

What guidance did Wintrust Financial Pref F ADR's management provide for the next earnings period?

What were the key takeaways from Wintrust Financial Pref F ADR’s earnings call?

What were the key takeaways from Wintrust Financial Pref F ADR's earnings call?

- **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.

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