Revenue: As of FY2026 Q1, the actual value is USD 713.17 M.EPS: As of FY2026 Q1, the actual value is USD 3.22, beating the estimate of USD 2.95.EBIT: As of FY2026 Q1, the actual value is USD -248.49 M.<h4>Operational Metrics</h4><ul><li>Net Income: Wintrust Financial Corporation reported a record quarterly net income of $227.4 million in Q1 2026, an increase from $223.0 million in Q4 2025 and $189.0 million in Q1 2025. Net income applicable to common shares was $219,021 thousand in Q1 2026, up from $214,657 thousand in Q4 2025 and $182,048 thousand in Q1 2025.</li><li>Pre-Tax Income, excluding Provision for Credit Losses (non-GAAP): This metric totaled $330.5 million in Q1 2026, compared to $329.8 million in Q4 2025 and $277.0 million in Q1 2025, marking a record for the company. In thousands, it was $330,534 in Q1 2026, $329,811 in Q4 2025, and $277,018 in Q1 2025.</li><li>Net Interest Income (NII): Net interest income (GAAP) was $579.0 million in Q1 2026, compared to $583.9 million in Q4 2025 and $526.5 million in Q1 2025. Net interest income (non-GAAP), fully taxable-equivalent, was $581.6 million in Q1 2026, $586.7 million in Q4 2025, and $529.4 million in Q1 2025.</li><li>Net Interest Margin (NIM): The non-GAAP net interest margin was 3.56% in Q1 2026, two basis points better than the prior quarter. The GAAP net interest margin was 3.54% in Q1 2026, compared to 3.52% in Q4 2025 and 3.54% in Q1 2025. The non-GAAP fully taxable-equivalent net interest margin was 3.56% in Q1 2026, 3.54% in Q4 2025, and 3.56% in Q1 2025.</li><li>Non-Interest Income: Totaled $134.1 million in Q1 2026, an increase from $130.4 million in Q4 2025 and $116.6 million in Q1 2025.</li><li>Non-Interest Expense: Totaled $382.6 million in Q1 2026, decreasing $1.9 million from $384.5 million in Q4 2025, primarily due to lower travel and entertainment, decreased advertising and marketing, and lower OREO losses, reflecting typical first-quarter seasonality.</li><li>Efficiency Ratio: The GAAP efficiency ratio was 53.65% in Q1 2026, improving from 53.94% in Q4 2025 and 57.21% in Q1 2025. The non-GAAP efficiency ratio was 53.45% in Q1 2026, improving from 53.73% in Q4 2025 and 56.95% in Q1 2025.</li><li>Return on Assets (ROA): ROA (GAAP) was 1.32% in Q1 2026, up from 1.27% in Q4 2025 and 1.20% in Q1 2025.</li><li>Return on Average Common Equity (ROE): ROE (GAAP) was 12.76% in Q1 2026, up from 12.63% in Q4 2025 and 12.21% in Q1 2025.</li><li>Return on Average Tangible Common Equity (ROTCE): ROTCE (non-GAAP) was 14.89% in Q1 2026, up from 14.83% in Q4 2025 and 14.72% in Q1 2025.</li><li>Net Charge-offs (NCOs): Net charge-offs were 14 basis points in Q1 2026, compared to 17 basis points in Q4 2025 and 11 basis points in Q1 2025.</li><li>Provision for Credit Losses: The provision for credit losses was $29.6 million in Q1 2026, compared to $27.6 million in Q4 2025 and $24.0 million in Q1 2025.</li></ul><h4>Balance Sheet and Loan Portfolio</h4><ul><li>Total Assets: Total assets were $72.2 billion at March 31, 2026, an increase from $71.1 billion at December 31, 2025 and $65.9 billion at March 31, 2025.</li><li>Total Loans: Total loans increased by approximately $1.0 billion, or 7% annualized, in Q1 2026, reaching $54.1 billion at March 31, 2026. This compares to $53.1 billion at December 31, 2025 and $48.7 billion at March 31, 2025. Year-over-year loan growth was $5.4 billion, or 11%.</li><li>Total Deposits: Total deposits increased by approximately $1.2 billion, or 8% annualized, in Q1 2026, reaching $58.9 billion at March 31, 2026. This compares to $57.7 billion at December 31, 2025 and $53.6 billion at March 31, 2025. Year-over-year deposit growth was $5.3 billion, or 10%.</li><li>Non-Performing Loans (NPLs): Non-performing loans totaled $182.7 million and comprised 0.34% of total loans at March 31, 2026. This compares to $185.8 million (0.35%) at December 31, 2025 and $172.4 million (0.35%) at March 31, 2025.</li><li>Allowance for Credit Losses: The allowance for credit losses on total core loans was 1.27% at March 31, 2026, compared to 1.32% at December 31, 2025 and 1.37% at March 31, 2025. The allowance as a percentage of total loans was 0.87% at March 31, 2026, consistent with 0.87% at December 31, 2025, and down from 0.92% at March 31, 2025.</li></ul><h4>Capital and Liquidity</h4><ul><li>CET1 Ratio: The Common Equity Tier 1 (CET1) Ratio was 10.4% at March 31, 2026, up from 10.3% at December 31, 2025 and 10.1% at March 31, 2025.</li><li>Tier 1 Capital Ratio: The Tier 1 Capital Ratio was 11.1% at March 31, 2026, up from 11.0% at December 31, 2025 and 10.8% at March 31, 2025.</li><li>Total Capital Ratio: The Total Capital Ratio was 12.5% at March 31, 2026, consistent with 12.4% at December 31, 2025 and 12.5% at March 31, 2025.</li><li>Tier 1 Leverage Ratio: The Tier 1 Leverage Ratio was 9.8% at March 31, 2026, up from 9.6% at December 31, 2025 and 9.6% at March 31, 2025.</li><li>Tangible Book Value Per Common Share (non-GAAP): Increased to $89.90 as of March 31, 2026, up from $88.66 at December 31, 2025 and $78.83 at March 31, 2025.</li></ul><h4>Segment Revenue</h4><ul><li>Total Wealth Management Revenue: Totaled $42.1 million in Q1 2026, an increase from $39.4 million in Q4 2025 and $34.0 million in Q1 2025.</li></ul><h4>Outlook / Guidance</h4>Wintrust Financial Corporation anticipates strong financial performance driven by a stable net interest margin and balance sheet growth, which are expected to lead to robust net interest income growth through 2026. The company plans to manage interest rate risk through hedging activities. The repricing of variable rate loans and cash is largely expected to be offset by hedges and deposit rate changes.

Wintrust Financial | 8-K: FY2026 Q1 Revenue: USD 713.17 M