Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 4

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 4
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16,394 6,322 FDIC insurance11,418 10,512 33,315 35,478 Other real estate owned expense, net262 (938)1,410 (805)Other39,418 35,767 115,482 102,231 Total non-interest expense380,028 360,687 1,127,579 1,034,185 Income before taxes296,041 232,709 816,184 694,008 Income tax expense79,787 62,708 215,364 184,325 Net income$216,254 $170,001 $600,820 $509,683 Preferred stock dividends13,295 6,991 27,277 20,973 Preferred stock redemption14,046 — 14,046 — Net income applicable to common shares$188,913 $163,010 $559,497 $488,710 Net income per common share—Basic$2.82 $2.51 $8.37 $7.79 Net income per common share—Diluted$2.78 $2.47 $8.25 $7.67 Cash dividends declared per common share$0.50 $0.45 $1.50 $1.35 Weighted average common shares outstanding66,952 64,888 66,871 62,743 Dilutive potential common shares1,028 1,053 945 934 Average common shares and dilutive common shares67,980 65,941 67,816 63,677 

See accompanying notes to unaudited consolidated financial statements.

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Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)

Three Months EndedNine Months Ended(In thousands)September 30,2025September 30,2024September 30,2025September 30,2024Net income$216,254 $170,001 $600,820 $509,683 Unrealized gains on available-for-sale securitiesBefore tax75,521 168,166 155,712 69,510 Tax effect(19,635)(43,688)(40,485)(17,594)Net of tax55,886 124