---
title: "Wintrust Financial Pref Shares WTFC 7.8750 Perp 07/15/30 | 8-K: FY2025 Q3 Revenue: USD 1.095 T"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/261941603.md"
datetime: "2025-10-20T21:30:06.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/261941603.md)
  - [en](https://longbridge.com/en/news/261941603.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/261941603.md)
---

# Wintrust Financial Pref Shares WTFC 7.8750 Perp 07/15/30 | 8-K: FY2025 Q3 Revenue: USD 1.095 T

Revenue: As of FY2025 Q3, the actual value is USD 1.095 T.

EPS: As of FY2025 Q3, the actual value is USD 2.78.

EBIT: As of FY2025 Q3, the actual value is USD -270.97 B.

### Segment Revenue

-   **Total loans**: $52,063,482 as of September 30, 2025, compared to $51,041,679 as of June 30, 2025, and $47,067,447 as of September 30, 2024.
-   **Total deposits**: $56,711,381 as of September 30, 2025, compared to $55,816,811 as of June 30, 2025, and $51,404,966 as of September 30, 2024.
-   **Net Interest Income**: $1.6 billion for the first nine months of 2025, an increase of $202.8 million or 14% compared to the same period in 2024.

### Operational Metrics

-   **Net income**: $216.3 million for Q3 2025, compared to $195.5 million for Q2 2025, and $170.0 million for Q3 2024.
-   **Pre-tax, pre-provision income (non-GAAP)**: $317.8 million for Q3 2025, compared to $289.3 million for Q2 2025, and $255.0 million for Q3 2024.
-   **Net interest income**: $567.0 million for Q3 2025, compared to $546.7 million for Q2 2025, and $502.6 million for Q3 2024.
-   **Net interest margin**: 3.48% for Q3 2025, compared to 3.52% for Q2 2025, and 3.49% for Q3 2024.
-   **Provision for credit losses**: $21.8 million for Q3 2025, compared to $22.2 million for Q2 2025, and $22.3 million for Q3 2024.
-   **Net charge-offs**: $24.6 million for Q3 2025, compared to $13.3 million for Q2 2025, and $26.7 million for Q3 2024.
-   **Non-performing loans**: $162.6 million as of September 30, 2025, compared to $188.8 million as of June 30, 2025, and $179.7 million as of September 30, 2024.
-   **Net Income**: $600.8 million for the first nine months of 2025, an increase of $91.1 million or 18% compared to the same period in 2024.
-   **Pre-Tax, Pre-Provision Income**: $884.1 million for the first nine months of 2025, an increase of $106.1 million or 14% compared to the same period in 2024.
-   **Diluted EPS**: $8.25 for the first nine months of 2025, an increase of $0.58 or 8% compared to the same period in 2024.
-   **Net Interest Margin (NIM)**: 3.51% for the first nine months of 2025, a slight decrease from 3.52% in the same period of 2024.

### Cash Flow

-   The report does not provide specific cash flow details.

### Unique Metrics

-   **Total assets**: $69,629,638 as of September 30, 2025, compared to $68,983,318 as of June 30, 2025, and $63,788,424 as of September 30, 2024.
-   **Total shareholders’ equity**: $7,045,757 as of September 30, 2025, compared to $7,225,696 as of June 30, 2025, and $6,399,714 as of September 30, 2024.
-   **Tangible Book Value per Common Share**: Increased to $85.39 as of September 30, 2025, from $76.15 as of September 30, 2024, an increase of $9.24 or 12%.

### Outlook / Guidance

-   The company anticipates that a relatively stable net interest margin and continued balance sheet growth will contribute to net interest income expansion in the fourth quarter.
-   Loan pipelines remain strong, and the company expects loan growth in the mid-to-high single digits for the remainder of the year.
-   The company remains focused on delivering a differentiated customer experience to drive better results for customers and value for shareholders.
-   Wintrust Financial Corporation expects to maintain a relatively stable net interest margin through the remainder of 2025, supported by strong earning asset growth and a hedging program that reduces interest rate sensitivity.

### Related Stocks

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

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