- Total deposits reached $53.57 billion, a 2% increase from the last quarter, meeting the estimate of $53.24 billion.
- Total loans amounted to $48.71 billion, up 1.4% quarter-over-quarter, slightly above the estimate of $48.69 billion.
- Cash and due from banks increased significantly by 36% quarter-over-quarter to $616.2 million.
- The earnings per share (EPS) saw a decline, recorded at $2.69 compared to $2.89 in the same period last year.
- Net revenue was reported at $643.1 million, a 6.3% increase year-over-year but slightly below the estimate of $644.9 million.
- Net interest income improved by 13% year-over-year to $526.5 million, close to the estimate of $527.5 million.
- The net interest margin was 3.54%, slightly down from 3.57% year-over-year, but above one of the estimates of 3.51%.
- Return on average equity decreased to 12.2% from 14.4% year-over-year, yet exceeded the estimate of 11.1%.
- The book value per share increased to $92.47 from $81.38 year-over-year, just shy of the $93.01 estimate.
- The company remains committed to maintaining credit quality with improved net charge-offs and stable non-performing loans, with a loan allowance for credit losses of 1.37%.
- There was strong deposit growth of $1.1 billion in the first quarter of 2025, translating to an 8% annualized increase, outpacing loan growth.
- The loans-to-deposits ratio ended the quarter at 90.9%.
- Expectations for the second quarter include solid loan growth and stable net interest margin, which should boost net interest income.
- Analyst ratings reveal 12 buys and 2 holds, with no sell recommendations.
A look at Wintrust Financial Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 4 | |
| Dividend | 3 | |
| Growth | 4 | |
| Resilience | 4 | |
| Momentum | 3 | |
| OVERALL SMART SCORE | 3.6 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Wintrust Financial Corporation, a multi-bank holding company based in Chicago, Illinois, appears to have a positive long-term outlook according to the Smartkarma Smart Scores. With strong scores in Value, Growth, Resilience, and a respectable score in Dividend, the company shows promise in various aspects. The Value score indicates that the company is viewed favorably in terms of its current market valuation, while a high Growth score suggests potential for future expansion. Additionally, the Resilience score reflects the company’s ability to withstand economic challenges, which bodes well for its sustainability. Though the Momentum score is slightly lower, the overall outlook for Wintrust Financial seems optimistic.
Wintrust Financial Corporation operates as a provider of community-based banking services in suburban areas of Chicago. Offering a range of financial services to individuals, businesses, local government entities, and institutions through its network of banks, the company also includes financing and trust subsidiaries in its operations. With a solid foundation in place and promising scores across key indicators, Wintrust Financial seems poised to navigate the future successfully and deliver value to its stakeholders.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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