Revenue: As of FY2025 Q2, the actual value is USD 670.78 M.EPS: As of FY2025 Q2, the actual value is USD 2.78.EBIT: As of FY2025 Q2, the actual value is USD 267.09 M.<h3>Segment Revenue</h3><ul><li>Total Loans: Increased by $2.3 billion, or 19% annualized, in the second quarter of 2025 compared to the first quarter of 2025.</li><li>Total Deposits: Increased by approximately $2.2 billion, or 17% annualized, in the second quarter of 2025 compared to the first quarter of 2025.</li><li>Net Interest Income: Increased to $546.7 million in the second quarter of 2025, compared to $526.5 million in the first quarter of 2025.</li><li>Net Interest Income: Record net interest income of $1.1 billion for the first six months of 2025, driven by strong earning asset growth, representing a 15% increase compared to the same period in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: Recorded at $195.5 million for the second quarter of 2025, compared to $189.0 million in the first quarter of 2025.</li><li>Net Income: Record net income of $384.6 million for the first six months of 2025, compared to $339.7 million for the same period in 2024, marking a 13% increase.</li><li>Pre-tax, Pre-provision Income: Totaled $289.3 million for the second quarter of 2025, compared to $277.0 million in the first quarter of 2025.</li><li>Pre-Tax, Pre-Provision Income: $566.3 million for the first six months of 2025, compared to $523.0 million for the same period in 2024, an 8% increase.</li><li>Provision for Credit Losses: Totaled $22.2 million in the second quarter of 2025, compared to $24.0 million in the first quarter of 2025.</li><li>Net Charge-offs: Totaled $13.3 million in the second quarter of 2025, compared to $12.6 million in the first quarter of 2025.</li></ul><h3>Cash Flow</h3><ul><li>Total Deposits: Increased by approximately $7.8 billion, or 16% compared to June 2024, driven by diversified product offerings.</li></ul><h3>Unique Metrics</h3><ul><li>Net Interest Margin: Was 3.52% during the second quarter of 2025.</li><li>Net Interest Margin: Stable at 3.53% for the first six months of 2025, unchanged from the same period in 2024.</li><li>Wealth Management Revenue: Increased to $36.8 million in the second quarter of 2025, compared to $34.0 million in the first quarter of 2025.</li><li>Mortgage Banking Revenue: Increased to $23.2 million in the second quarter of 2025, compared to $20.5 million in the first quarter of 2025.</li><li>Tangible Book Value per Common Share: Increased to $81.86 as of June 30, 2025, marking a 14% increase from $72.01 in June 2024.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company expects a relatively stable net interest margin coupled with continued balance sheet growth to drive net interest income higher in the third quarter.</li><li>Loan growth is expected in the mid-to-high single digits in the second half of the year.</li><li>The company remains committed to sustaining high credit quality as evidenced by low levels of net charge-offs and non-performing loans.</li><li>Wintrust Financial Corporation expects continued net interest income growth in 2025, supported by a stable net interest margin and balance sheet growth. The company’s hedging program has reduced interest rate sensitivity, offsetting the impact of variable rate loan repricing and deposit rate changes.</li></ul>

Wintrust Financial Pref Shares WTFC 7.8750 Perp 07/15/30 | 8-K: FY2025 Q2 Revenue: USD 670.78 M