The beat and record net income support continued positive sentiment; watch Q3 for net interest margin trajectory and loan growth sustainability. The stock may see modest upside as the earnings beat confirms robust core operations.
Price Chart
Executive Summary
Wintrust Financial reported Q2 2026 diluted EPS of $3.30, beating consensus of $3.15 by 4.7%, and revenue of $738.6M slightly above $735.4M estimates. This marks the sixth consecutive record quarterly net income ($233.7M), driven by 12% annualized loan growth and 15% deposit growth, with stable credit quality (net charge-offs of 10bps). The consistent outperformance and positive outlook for balance sheet growth suggest sustained operational momentum.
Key Financial Metrics
Key Facts
- Record quarterly net income of $233.7M, sixth consecutive record quarter
- Diluted EPS $3.30 vs consensus $3.15 (+4.7%)
- Net revenue $738.6M vs consensus $735.4M (+0.4%)
- Loans grew 12% annualized, deposits grew 15% annualized
- Net interest margin 3.50% (stable), net charge-offs 10bps (improved from 14bps Q1)
- FDIC special assessment reversal of $5.2M boosted non-interest expense comparison
Financial Impact
EPS beat by $0.15 (+4.7%), revenue beat by $3.2M (+0.4%)
Risk Factors
- Net interest margin compression if loan yields continue to decline
- Potential economic slowdown could pressure loan demand and credit quality
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3330111 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | Press Release | $150.77 | awaiting T+5 | — | $150.79 (+0.01%) |
Oct 21, 2026 6d ago | 144 | $147.36 | awaiting T+5 | — | $150.79 (+2.33%) |
Oct 19, 2026 8d ago | 8-K | $146.28 $151.22 | ▲ +3.38% | ▲ +3.35% | $150.79 (+3.08%) |
Oct 19, 2026 8d ago | Press Release | $146.28 $151.14 | ▲ +3.32% | ▲ +3.30% | $150.79 (+3.08%) |
Sep 30, 2026 27d ago | Press Release | $143.55 $144.20 | ▲ +0.45% | ▼ −0.85% | $150.79 (+5.04%) |
Jul 20, 2026 14w ago | 8-K | $158.93 $158.88 | ▼ −0.03% | ▲ +1.19% | $150.79 (−5.12%) |
Jul 20, 2026 14w ago | Press Release | $158.93 $158.88 | ▼ −0.03% | ▲ +1.19% | $150.79 (−5.12%) |
Jun 30, 2026 17w ago | Press Release | $162.79 $161.45 | ▼ −0.82% | ▼ −1.08% | $150.79 (−7.37%) |
Apr 20, 2026 27w ago | Press Release | $150.26 $150.55 | ▲ +0.19% | ▼ −0.89% | $150.79 (+0.35%) |
Apr 15, 2026 27w ago | Press Release | $145.24 $150.55 | ▲ +3.66% | ▲ +2.67% | $150.79 (+3.82%) |
US Market Status
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