WINTRUST FINANCIAL CORP — Form 8-K
Filed October 19, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
Wintrust Financial (WTFC, $8.2B market cap) reported record Q3 2026 net income of $239.1M ($3.37 diluted EPS), up 2% sequentially and 11% YoY. YTD 2026 net income reached $700.1M ($9.89 EPS), up 17% vs. 2025. On September 1, 2026, Wintrust completed purchase of a guardianship services business with ~$1.2B AUM, recording $7.5M preliminary goodwill. Total loans grew $1.1B (8% annualized) in Q3; total deposits grew $1.3B (8% annualized). Net interest margin (FTE) held stable at 3.51% in Q3 (down 1bp QoQ). Non-performing loans at 0.31% of total loans; allowance for credit losses at 0.86% of loans.
Why this rating
Strong earnings growth and balance sheet expansion in low-risk core markets. Small guardianship acquisition ($1.2B AUM, $7.5M goodwill) immaterial to $76B asset base. Routine quarterly results; no material strategic shift.
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