Wintrust Financial’s (NASDAQ:WTFC) Q2 Sales Top Estimates

July 21, 2025 at 16:53 PM EDT

WTFC Cover Image

Regional banking company Wintrust Financial (NASDAQ: WTFC) beat Wall Street’s revenue expectations in Q2 CY2025, with sales up 13.4% year on year to $670.8 million. Its GAAP profit of $2.78 per share was 7% above analysts’ consensus estimates.

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Wintrust Financial (WTFC) Q2 CY2025 Highlights:

Net Interest Income: $546.7 million vs analyst estimates of $544 million (16.2% year-on-year growth, 0.5% beat)
Net Interest Margin: 3.5% vs analyst estimates of 3.5% (flat year on year, 2.9 bps miss)
Revenue: $670.8 million vs analyst estimates of $659 million (13.4% year-on-year growth, 1.8% beat)
Efficiency Ratio: 56.9% vs analyst estimates of 56.8% (in line)
EPS (GAAP): $2.78 vs analyst estimates of $2.60 (7% beat)
Market Capitalization: $8.97 billion

Timothy S. Crane, President and Chief Executive Officer, commented, “Building on the momentum of a strong first quarter, we are pleased to deliver record results again this quarter, reflecting the underlying strength and momentum of our business. A combination of balance sheet growth and a stable net interest margin drove our record results in the second quarter of 2025.”

Company Overview

Founded in 1991 as a community-focused alternative to big banks in the Chicago area, Wintrust Financial (NASDAQGS:WTFC) operates community banks in the Chicago area and provides specialty finance services including insurance premium financing and wealth management.

Sales Growth

Net interest income and and fee-based revenue are the two pillars supporting bank earnings. The former captures profit from the gap between lending rates and deposit costs, while the latter encompasses charges for banking services, credit products, wealth management, and trading activities.

Thankfully, Wintrust Financial’s 10.6% annualized revenue growth over the last five years was impressive. Its growth beat the average bank company and shows its offerings resonate with customers, a helpful starting point for our analysis.

We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. Wintrust Financial’s annualized revenue growth of 8.5% over the last two years is below its five-year trend, but we still think the results suggest healthy demand. Wintrust Financial Year-On-Year Revenue Growth Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.

This quarter, Wintrust Financial reported year-on-year revenue growth of 13.4%, and its $670.8 million of revenue exceeded Wall Street’s estimates by 1.8%.

Net interest income made up 74.8% of the company’s total revenue during the last five years, meaning lending operations are Wintrust Financial’s largest source of revenue.

Wintrust Financial Quarterly Net Interest Income as % of Revenue

While banks generate revenue from multiple sources, investors view net interest income as the cornerstone - its predictable, recurring characteristics stand in sharp contrast to the volatility of non-interest income.

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Tangible Book Value Per Share (TBVPS)

The balance sheet drives banking profitability since earnings flow from the spread between borrowing and lending rates. As such, valuations for these companies concentrate on capital strength and sustainable equity accumulation potential.

This explains why tangible book value per share (TBVPS) stands as the premier banking metric. TBVPS strips away questionable intangible assets, revealing concrete per-share net worth that investors can trust. Traditional metrics like EPS are helpful but face distortion from M&A activity and loan loss accounting rules.

Wintrust Financial’s TBVPS grew at an incredible 10.3% annual clip over the last five years. TBVPS growth has also accelerated recently, growing by 12.7% annually over the last two years from $64.50 to $81.86 per share.

Wintrust Financial Quarterly Tangible Book Value per Share

Over the next 12 months, Consensus estimates call for Wintrust Financial’s TBVPS to grow by 10.4% to $90.37, solid growth rate.

Key Takeaways from Wintrust Financial’s Q2 Results

It was encouraging to see Wintrust Financial beat analysts’ revenue, net interest income, EPS, and tangible book value per share estimates. Overall, this print had some key positives. The stock traded up 1% to $132.74 immediately after reporting.

Is Wintrust Financial an attractive investment opportunity at the current price? If you’re making that decision, you should consider the bigger picture of valuation, business qualities, as well as the latest earnings. We cover that in our actionable full research report which you can read here, it’s free.

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