WTFC Earnings Date: Jan 19, 2027 (Estimated) — Wintrust Financial Corporation
NASDAQ · Financials · Banks - Regional
Updated
When is WTFC's next earnings date?
Wintrust Financial Corporation (WTFC) is expected to report Q4 2026 earnings on Tuesday, January 19, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $3.35 on revenue of $763.1M.
How did WTFC do in its last earnings report?
In its most recent report on Oct 19, 2026 (Q3 2026), Wintrust Financial Corporation posted EPS of $3.37 versus the $3.28 estimate, a beat of 2.7%. Revenue was $757.9M against a $753.5M estimate. The stock's 1-day post-earnings move was +2.7%.
How much does WTFC stock move after earnings?
WTFC beat EPS estimates in 7 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 2.9% (up or down) in the day after earnings.
About Wintrust Financial Corporation
Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois.
🤖 AI Earnings Analysis
Wintrust reported record net income, reinforcing its strength among regional banks, while Q3 revenue rose 8.6% year over year to $758 million and EPS reached $3.37, beating estimates by $0.09. Results are solid, though the supplied growth figures appear inconsistent with reported year-over-year values.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-19 | Q3 2026 | 3.28 | 3.37 | +2.74% | $757.9M | ✅ Beat | +2.70% | +6.13% | — |
| 2026-07-20 | Q2 2026 | 3.17 | 3.30 | +4.10% | $738.6M | ✅ Beat | -2.89% | -2.92% | -2.60% |
| 2026-04-20 | Q1 2026 | 2.96 | 3.22 | +8.78% | $713.2M | ✅ Beat | +0.99% | +0.30% | -1.31% |
| 2026-01-20 | Q4 2025 | 2.93 | 3.15 | +7.51% | $714.3M | ✅ Beat | +4.71% | +0.52% | +6.42% |
| 2025-10-20 | Q3 2025 | 2.68 | 3.06 | +14.18% | $697.8M | ✅ Beat | +2.25% | +3.78% | -0.68% |
| 2025-04-21 | Q1 2025 | 2.49 | 2.69 | +8.03% | $643.1M | ✅ Beat | +5.15% | +10.57% | +20.83% |
| 2025-01-21 | Q4 2024 | 2.47 | 2.63 | +6.48% | $638.6M | ✅ Beat | -2.65% | -3.51% | -5.55% |
| 2024-10-21 | Q3 2024 | 2.51 | 2.47 | -1.59% | $615.7M | ❌ Miss | +2.20% | +3.36% | +17.17% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q3 FY24 · $625.6M total
| Segment | Share | Revenue | YoY | Q4 FY22 | Q1 FY23 | Q2 FY23 | Q3 FY23 |
|---|---|---|---|---|---|---|---|
| Community Banking | 74.0% | $463.2M | — | — | — | — | — |
| Specialty Finance | 18.9% | $118.0M | — | — | — | — | — |
| Wealth Management | 7.1% | $44.4M | +32.3% | $30.7M | $29.9M | $33.9M | $33.5M |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.