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- **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

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Cost of Financing Services

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Operating Expenses

Selling, General and Administrative Expenses

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Loss on Disposal of Assets

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Net Income

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WTFCN

WTFCN fundamentals

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