Spoken Alpha
WTFC
WINTRUST FINANCIAL CORP
Overview
Wintrust Financial Corporation operates as a financial holding company providing community-oriented personal and commercial banking services through sixteen subsidiary banks primarily in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and west Michigan.
WINTRUST FINANCIAL CORP is a Financial Services company operating in Banks - Regional with a $10.49B market cap.
Most recent reported earnings: Q2 FY2026 (Jul 19, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-2124 Q&A exchanges
- Q4 FY2025Earnings2026-01-2129 Q&A exchanges
- Q3 FY2025Earnings2025-10-2142 Q&A exchanges
- Q2 FY2025Earnings2025-07-2228 Q&A exchanges
- Q1 FY2025Earnings2025-04-2216 Q&A exchanges
- Q4 FY2024Earnings2025-01-2235 Q&A exchanges
- Q3 FY2024Earnings2024-10-2224 Q&A exchanges
- Q2 FY2024Earnings2024-07-1842 Q&A exchanges
- Q1 FY2024Earnings2024-04-1839 Q&A exchanges
- Q4 FY2023Earnings2024-01-1841 Q&A exchanges
- Q3 FY2023Earnings2023-10-1835 Q&A exchanges
- Q2 FY2023Earnings2023-07-2044 Q&A exchanges
- Q1 FY2023Earnings2023-04-2037 Q&A exchanges
- Q4 FY2022Earnings2023-01-1936 Q&A exchanges
- Q3 FY2022Earnings2022-10-1925 Q&A exchanges
- Q2 FY2022Earnings2022-07-2115 Q&A exchanges
- Q1 FY2022Earnings2022-04-2030 Q&A exchanges
- Q4 FY2021Earnings2022-01-2049 Q&A exchanges
- Q3 FY2021Earnings2021-10-2030 Q&A exchanges
- Q2 FY2021Earnings2021-07-2021 Q&A exchanges
- Q1 FY2021Earnings2021-04-2034 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-19EPS— vs $3.15—Rev— vs ——EODHD
- Q1 FY20262026-04-19EPS$3.22 vs $2.94+9.5%Rev$1.06B vs ——EODHD
- Q4 FY20252026-01-18EPS$3.15 vs $2.91+8.3%Rev$1.09B vs ——EODHD
- Q3 FY20252025-10-19EPS$3.06 vs $2.70+13.3%Rev$1.09B vs ——EODHD
- Q2 FY20252025-07-20EPS$2.82 vs $2.62+7.6%Rev$1.04B vs ——EODHD
- Q1 FY20252025-04-20EPS$2.69 vs $2.49+8.0%Rev$1.00B vs ——EODHD
- Q4 FY20242025-01-20EPS$2.63 vs $2.47+6.5%Rev$1.03B vs ——EODHD
- Q3 FY20242024-10-20EPS$2.47 vs $2.51-1.6%Rev$1.02B vs ——EODHD
- Q2 FY20242024-07-16EPS$2.32 vs $2.42-4.1%Rev$971.1M vs ——EODHD
- Q1 FY20242024-04-16EPS$2.89 vs $2.42+19.4%Rev$946.0M vs ——EODHD
- Q4 FY20232024-01-16EPS$1.87 vs $2.49-24.9%Rev$894.7M vs ——EODHD
- Q3 FY20232023-10-16EPS$2.53 vs $2.40+5.4%Rev$874.9M vs ——EODHD
- Q2 FY20232023-07-18EPS$2.38 vs $2.380.0%Rev$810.2M vs ——EODHD
- Q1 FY20232023-04-18EPS$2.80 vs $2.54+10.2%Rev$747.5M vs ——EODHD
- Q4 FY20222023-01-17EPS$2.23 vs $2.58-13.6%Rev$677.1M vs ——EODHD
- Q3 FY20222022-10-17EPS$2.21 vs $2.07+6.8%Rev$568.0M vs ——EODHD
- Q2 FY20222022-07-19EPS$1.49 vs $1.69-11.8%Rev$474.9M vs ——EODHD
- Q1 FY20222022-04-18EPS$2.07 vs $1.55+33.6%Rev$491.0M vs ——EODHD
- Q4 FY20212022-01-18EPS$1.58 vs $1.53+3.3%Rev$460.9M vs ——EODHD
- Q3 FY20212021-10-18EPS$1.77 vs $1.52+16.4%Rev$458.9M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-19 | — | $3.15 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-19 | $3.22 | $2.94 | +9.5% | $1.06B | — | — | EODHD |
| Q4 FY2025 | 2026-01-18 | $3.15 | $2.91 | +8.3% | $1.09B | — | — | EODHD |
| Q3 FY2025 | 2025-10-19 | $3.06 | $2.70 | +13.3% | $1.09B | — | — | EODHD |
| Q2 FY2025 | 2025-07-20 | $2.82 | $2.62 | +7.6% | $1.04B | — | — | EODHD |
| Q1 FY2025 | 2025-04-20 | $2.69 | $2.49 | +8.0% | $1.00B | — | — | EODHD |
| Q4 FY2024 | 2025-01-20 | $2.63 | $2.47 | +6.5% | $1.03B | — | — | EODHD |
| Q3 FY2024 | 2024-10-20 | $2.47 | $2.51 | -1.6% | $1.02B | — | — | EODHD |
| Q2 FY2024 | 2024-07-16 | $2.32 | $2.42 | -4.1% | $971.1M | — | — | EODHD |
| Q1 FY2024 | 2024-04-16 | $2.89 | $2.42 | +19.4% | $946.0M | — | — | EODHD |
| Q4 FY2023 | 2024-01-16 | $1.87 | $2.49 | -24.9% | $894.7M | — | — | EODHD |
| Q3 FY2023 | 2023-10-16 | $2.53 | $2.40 | +5.4% | $874.9M | — | — | EODHD |
| Q2 FY2023 | 2023-07-18 | $2.38 | $2.38 | 0.0% | $810.2M | — | — | EODHD |
| Q1 FY2023 | 2023-04-18 | $2.80 | $2.54 | +10.2% | $747.5M | — | — | EODHD |
| Q4 FY2022 | 2023-01-17 | $2.23 | $2.58 | -13.6% | $677.1M | — | — | EODHD |
| Q3 FY2022 | 2022-10-17 | $2.21 | $2.07 | +6.8% | $568.0M | — | — | EODHD |
| Q2 FY2022 | 2022-07-19 | $1.49 | $1.69 | -11.8% | $474.9M | — | — | EODHD |
| Q1 FY2022 | 2022-04-18 | $2.07 | $1.55 | +33.6% | $491.0M | — | — | EODHD |
| Q4 FY2021 | 2022-01-18 | $1.58 | $1.53 | +3.3% | $460.9M | — | — | EODHD |
| Q3 FY2021 | 2021-10-18 | $1.77 | $1.52 | +16.4% | $458.9M | — | — | EODHD |
Source: EODHD. WTFC reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks WTFC's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 6/10 quarters but stock falls 60% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Missed in 2 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.19 | $2.41 | -9.0% | +6.3% | +7.2% |
| Q4 FY2026 | $2.54 | $2.46 | +3.2% | -2.4% | -1.5% |
| Q3 FY2026 | $2.53 | $2.47 | +2.5% | -2.6% | -0.5% |
| Q2 FY2026 | $2.23 | $2.30 | -3.2% | -1.7% | -4.1% |
| Q1 FY2025 | $2.49 | $2.44 | +2.2% | +5.9% | +3.9% |
| Q4 FY2025 | $2.42 | $2.33 | +4.0% | -2.1% | +0.6% |
| Q3 FY2025 | $2.34 | $2.53 | -7.4% | +1.7% | +3.4% |
| Q2 FY2025 | $2.62 | $2.48 | +5.8% | -2.7% | -0.4% |
| Q1 FY2024 | $2.55 | $2.53 | +0.8% | -2.8% | -4.4% |
| Q4 FY2024 | $2.33 | $2.56 | -8.8% | +5.6% | +5.8% |
Guidance change history
Sample- Q1 FY2026Lowered2026-04-15
- Q4 FY2026Maintained2026-13-15
- Q3 FY2026Maintained2026-10-15
- Q2 FY2026Suspended2026-07-15
- Q1 FY2025Suspended2025-04-15
- Q4 FY2025Maintained2025-13-15
- Q3 FY2025Lowered2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Timothy CraneCEO5 mo21 callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last guidance raise Q2 FY2026
- David L StoehrCFO5 mo7 callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last guidance raise Q3 FY2026
- David A DykstraCOO5 mo17 callsCurrentSample
COO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Kathleen M BoegeEVP, CHIEF LEGAL OFC, AND SEC5 mono recorded callsCurrentSample
DIVISION_HEAD since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
- Jeffrey D HahnfeldEVP-CONTROLLER & CHIEF ACC OFF5 mono recorded callsCurrentSample
DIVISION_HEAD since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Edward J WehmerFOUNDER AND SENIOR ADVISOR4 mo9 callsCurrentSample
OTHER since 2026 • 1/2 beats (50%) • last guidance raise Q2 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for WTFC.
$ curl https://api.spokenalpha.com/v1/companies/WTFCFAQ
Frequently asked about WTFC
Where can I find WINTRUST FINANCIAL CORP's (WTFC) earnings call transcripts?
Spoken Alpha indexes WTFC's earnings call transcripts at https://spokenalpha.com/companies/WTFC. Each call links to attributed speakers and parsed analyst Q&A. WINTRUST FINANCIAL CORP's own investor relations page is at https://ir.wintrust.com/overview/default.aspx.
When was WINTRUST FINANCIAL CORP's most recent earnings call?
WINTRUST FINANCIAL CORP (WTFC) held its most recent earnings call on 2026-04-21, covering fiscal Q1 2026.
What sector is WTFC in?
WINTRUST FINANCIAL CORP (WTFC) operates in the Financial Services sector (Banks - Regional industry).