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EarningsQ2 2026 Earnings Report
WTFC Q2 2026 EPS Results
Actual EPS$3.30
Consensus EPS$3.14
Beat/MissBeat by +$0.16
One Year Ago EPS$2.78
WTFC Q2 2026 Revenue Results
Actual Revenue$1.10B
Expected Revenue$735.36M
Beat/MissBeat by +$367.41M
YoY Revenue Growth+4.19%
Earnings Announcement Details
QuarterQ2 2026
Date07/20/2026
TimeAfter Close
Conference CallMonday, July 20, 2026
WTFC Upcoming Earnings
Wintrust Financial's next earnings date is estimated for October 19, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
WTFC Q2 2026 Earnings Call
0:00 / 0:00
Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong operational performance: record quarterly net income, robust organic loan and deposit growth, stable asset quality, continued tangible book growth, and strategic investments (branches, digital enhancements, a bolt-on wealth acquisition). Offsetting items included modest NIM compression driven by premium-finance repricing and competitive pressures, higher non-interest expenses (salaries, marketing, technology), and some revenue items that may be volatile/seasonal. On balance, the positives — pronounced growth, solid credit metrics, and operating leverage — outweigh the challenges discussed.Company Guidance
Record Net Income Streak Continues
Sixth consecutive record quarter of net income: Q2 net income $233.7M (up from just over $227M in Q1). Year-to-date net income $461M, up 20% year-over-year.
Strong Deposit Growth
Deposits grew ~ $2.2B during the quarter, representing a 15% increase over the prior quarter on an annualized basis; management emphasized deposit growth funded loan growth without increasing deposit costs (deposit cost roughly flat quarter-over-quarter at 2.74%).
Robust Loan Growth
Total loan growth ~ $1.6B in the quarter (12% annualized); year-over-year loan growth $4.6B or 9%. Period-end loans were ~$1.2B higher than Q2 average loans, providing a strong start to Q3 earning asset growth.
Net Interest Income and NII Growth
Net interest income improved by $18.3M versus Q1 2026. Management expects continued NII growth (mid- to high-single-digit) driven by mid-to-high single-digit loan and deposit growth.
Stable Net Interest Margin over Time
Quarterly net interest margin was 3.52% (within a 3.50%–3.59% range over the last 10 quarters), with management expecting NIM to be near ~3.50% (+/‑ a few basis points) going forward.
Non-Interest Income Improvement
Non-interest income totaled $141.3M in Q2, up from $134.1M in Q1 (roughly $7M increase) driven by a $4M lift in mortgage banking revenue, ~$2M higher BOLI income, and ~$1.8M more security gains.
Well-Managed Credit and Asset Quality
Non-performing loans decreased from $182.7M (0.34%) to $179.3M (0.32%). Q2 charge-offs were 10 bps (down from 14 bps in the prior quarter). CRE NPLs remained very low and unchanged at 0.12%.
Operational Execution and Strategic Investments
Sustained tangible book value per share growth; continued branch expansion (new branches: Chicago Lakeview, Montgomery, Elk Grove Village, plus three in NW Indiana); announced bolt-on acquisition of Northern Trust guardianship services (expected close later this year); ongoing digital banking enhancements planned for Q3.
Capital Position and Capital-Deployment Optionality
Common equity Tier 1 (CET1) was 10.4% this quarter (flat despite balance sheet growth) and management expects CET1 and other capital ratios to increase in coming quarters, opening potential flexibility for M&A, buybacks or dividends over time.
WTFC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed