The consistent record net income and strong organic loan/deposit growth signal continued momentum. Monitor Q4 2026 for further margin stability and credit cost trends given the slight uptick in net charge-offs.
Price Chart
Executive Summary
Wintrust Financial reported Q3 2026 EPS of $3.37, a 1.9% beat vs consensus of $3.31, on record quarterly net income of $239.1M. Net interest income rose 4% sequentially to $621.6M, driven by strong loan and deposit growth of 8% annualized each. The beat is modest and credit quality remains stable, but the sequential revenue growth and record profitability support a mildly positive read.
Key Financial Metrics
Key Facts
- Q3 2026 EPS of $3.37 beat consensus of $3.31 by 1.9%
- Record quarterly net income of $239.1M, up 2% sequentially
- Net interest income of $621.6M, up 4% from Q2 2026
- Total loans grew $1.1B (8% annualized) and deposits grew $1.3B (8% annualized)
- Net interest margin stable at 3.49% (3.51% FTE)
- Non-performing loans stable at 0.31% of total loans
- Net charge-offs increased to 15 bps annualized from 10 bps in Q2 2026
- Completed acquisition of guardianship services business on Sept 1, 2026 with ~$1.2B AUM
Financial Impact
EPS beat of $0.06 (1.9%) vs consensus; record net income of $239.1M; net interest income +$24.2M QoQ
Risk Factors
- Net charge-offs increased to 15 bps from 10 bps QoQ, though still low
- Non-interest income declined 4% sequentially due to lower mortgage banking and investment securities losses
- AOCI loss widened to -$863.8M from -$420.8M, pressuring tangible book value
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3383911 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | Press Release | $150.77 | awaiting T+60 | — | $151.17 (+0.27%) |
Oct 21, 2026 5d ago | 144 | $147.36 | awaiting T+60 | — | $151.17 (+2.59%) |
Oct 19, 2026 7d ago | 8-K | $146.28 | awaiting T+60 | — | $151.17 (+3.34%) |
Oct 19, 2026 7d ago | Press Release | $146.28 | awaiting T+60 | — | $151.17 (+3.34%) |
Sep 30, 2026 26d ago | Press Release | $143.55 | awaiting T+60 | — | $151.17 (+5.31%) |
Jul 20, 2026 14w ago | 8-K | $158.93 $142.79 | ▼ −10.16% | ▼ −14.13% | $151.17 (−4.88%) |
Jul 20, 2026 14w ago | Press Release | $158.93 $142.79 | ▼ −10.16% | ▼ −14.13% | $151.17 (−4.88%) |
Jun 30, 2026 16w ago | Press Release | $162.79 $144.32 | ▼ −11.35% | ▼ −14.22% | $151.17 (−7.14%) |
Apr 20, 2026 27w ago | Press Release | $150.26 $166.90 | ▲ +11.07% | ▲ +4.18% | $151.17 (+0.61%) |
Apr 15, 2026 27w ago | Press Release | $145.24 $161.50 | ▲ +11.20% | ▲ +4.15% | $151.17 (+4.08%) |
US Market Status
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