Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 86

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 86
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 common equity12.07 11.61 46 Return on average tangible common equity (non-GAAP) (1)14.44 13.49 95 

Six months ended(Dollars in thousands, except per share data)June 30,2025June 30,2024Percentage (%) orBasis Point (bp) ChangeNet income$384,566 $339,682 13   %Pre-tax income, excluding provision for credit losses (non-GAAP) (1)566,340 523,033 8 Net income per common share—Diluted5.47 5.21 5 Net revenue (2)1,313,891 1,196,531 10 Net interest income1,073,168 934,804 15 Net interest margin 3.53 %3.53 %— bpsNet interest margin - fully taxable-equivalent (non-GAAP) (1)3.55 3.56 (1)Net overhead ratio (3)1.57 1.46 11 Return on average assets1.19 1.21 (2)Return on average common equity12.14 13.01 (87)Return on average tangible common equity (non-GAAP) (1)14.57 15.12 (55)At end of periodTotal assets$68,983,318 $59,781,516 15 %Total loans, excluding loans held-for-sale51,041,679 44,675,531 14 Total loans, including loans held-for-sale51,341,285 45,087,382 14 Total deposits55,816,811 48,049,026 16 Total shareholders’ equity7,225,696 5,536,628 31 Book value per common share (1)95.43 82.97 15 Tangible common book value per share (1)81.86 72.01 14 Market price per common share123.98 98.56 26 Allowance for loan and unfunded lending-related commitment losses to total loans0.90 %0.98 %(8) bps

(1)See following section titled “Supplemental Non-GAAP Financial Measures/Ratios” for additional information on this performance measure/ratio.

(2)Net revenue is net interest income plus