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>Commercial Loans: $16,387,431 as of June 30, 2025, compared to $15,574,551 as of December 31, 2024, and $14,154,462 as of June 30, 2024.</li><li>Commercial Real Estate Loans: $13,292,010 as of June 30, 2025, compared to $12,903,944 as of December 31, 2024, and $11,947,197 as of June 30, 2024.</li><li>Home Equity Loans: $466,815 as of June 30, 2025, compared to $445,028 as of December 31, 2024, and $356,313 as of June 30, 2024.</li><li>Residential Real Estate Loans: $3,948,782 as of June 30, 2025, compared to $3,612,765 as of December 31, 2024, and $3,067,335 as of June 30, 2024.</li><li>Premium Finance Receivables - Property &amp; Casualty: $8,323,176 as of June 30, 2025, compared to $7,272,042 as of December 31, 2024, and $7,100,753 as of June 30, 2024.</li><li>Premium Finance Receivables - Life Insurance: $8,506,960 as of June 30, 2025, compared to $8,147,145 as of December 31, 2024, and $7,962,115 as of June 30, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $195,527 for the three months ended June 30, 2025, compared to $152,388 for the same period in 2024.</li><li>Provision for Credit Losses: $22,234 for the three months ended June 30, 2025, compared to $40,061 for the same period in 2024.</li><li>Net Interest Income: $546,694 for the three months ended June 30, 2025, compared to $470,610 for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $448,910 for the six months ended June 30, 2025, compared to $292,365 for the same period in 2024.</li><li>Net Cash Used for Investing Activities: -$3,921,051 for the six months ended June 30, 2025, compared to -$3,564,574 for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $3,709,169 for the six months ended June 30, 2025, compared to $3,264,269 for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Loan Losses: $391,654 as of June 30, 2025, compared to $364,017 as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to continue expanding its loan portfolio, particularly in commercial and real estate segments, while maintaining a strong focus on credit quality and risk management.</li><li>Non-Core Business: The company is exploring opportunities in premium finance receivables, both in property &amp; casualty and life insurance segments, to diversify its revenue streams.</li></ul>

Wintrust Financial Pref Shares WTFC 7.8750 Perp 07/15/30 | 10-Q: FY2025 Q2 EPS: USD 2.78