--- 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) ## Related News & Research - [LIVE MARKETS-The old ball game: Trade balance, home sales, small business sentiment](https://longbridge.com/en/news/289210403.md) - [CoreWeave Stock Slips: What's Happening Today?](https://longbridge.com/en/news/289224896.md) - [Elon Musk Says SpaceX Could Put One Million Tons Of Payload In Orbit Within The Next Five Years](https://longbridge.com/en/news/289279226.md) - [Forget Chip Stocks: Shay Boloor Says AAOI Is The Secret 'Plumbing' Powering AI Data Centers](https://longbridge.com/en/news/289311242.md) - [BREAKINGVIEWS-China tech key-man risk has its own flavour](https://longbridge.com/en/news/289269510.md)