---
title: "Wintrust Financial Pref Shares WTFC 7.8750 Perp 07/15/30 | 8-K: FY2025 Q2 Revenue: USD 670.78 M"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/249464386.md"
datetime: "2025-07-21T20:48:41.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/249464386.md)
  - [en](https://longbridge.com/en/news/249464386.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/249464386.md)
---

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

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.

### Segment Revenue

-   **Total Loans**: Increased by $2.3 billion, or 19% annualized, in the second quarter of 2025 compared to the first quarter of 2025.
-   **Total Deposits**: Increased by approximately $2.2 billion, or 17% annualized, in the second quarter of 2025 compared to the first quarter of 2025.
-   **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.
-   **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.

### Operational Metrics

-   **Net Income**: Recorded at $195.5 million for the second quarter of 2025, compared to $189.0 million in the first quarter of 2025.
-   **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.
-   **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.
-   **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.
-   **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.
-   **Net Charge-offs**: Totaled $13.3 million in the second quarter of 2025, compared to $12.6 million in the first quarter of 2025.

### Cash Flow

-   **Total Deposits**: Increased by approximately $7.8 billion, or 16% compared to June 2024, driven by diversified product offerings.

### Unique Metrics

-   **Net Interest Margin**: Was 3.52% during the second quarter of 2025.
-   **Net Interest Margin**: Stable at 3.53% for the first six months of 2025, unchanged from the same period in 2024.
-   **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.
-   **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.
-   **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.

### Outlook / Guidance

-   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.
-   Loan growth is expected in the mid-to-high single digits in the second half of the year.
-   The company remains committed to sustaining high credit quality as evidenced by low levels of net charge-offs and non-performing loans.
-   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.

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- [WTFCN.US](https://longbridge.com/en/quote/WTFCN.US.md)

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