Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q4 2025 Earnings Presentation
13 slides from Wintrust Financial's earnings presentation, Jan 20, 2026
Slide 1: Net Income
Net Income $195.5 $185.4 $150 $125 $100 $75 wn x a $ in Millions Q4 2024 QI 2025 Q2 2025 Q3 2025 Q4 2025
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP)
Pre-tax income, excluding provision for credit losses (non-GAAP) $340 4 $329.8 $320 $300 $280 + $260 a i = z A | a $240 $220 $200 $180 T T T T T Q4 2024 QI 2025 Q2 2025 Q3 2025 Q4 2025
Slide 3: Pre-tax income, excluding provision for credit losses: Q4 2025 compared to Q3 2025
2 Z = = z = F Pre-tax income, excluding provision for credit losses (non-GAAP) - $350 Q4 2025 compared to Q3 2025 $16.9 $2.2 T T T T T T T T T T Q3 2025 Net Wealth Mortgage Gains All Salaries Advertising OREO All Interest Management Banking (losses)on Other and and Expenses, Other Income Revenue inv
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $583.9 $567.0 2 g } z = a Q4 2024 QI 2025 Q2 2025 Q3 2025 Q4 2025 NIM (GAAP) NIM, fully taxable-equivalent (non-GAAP) HE Net Interest Income
Slide 5: Net Income Compound Annual Growth Rate of 8%
Net Income 10 Year Compound Annual Growth Rate ("CAGR") of 18% $900.0 4 $823.8 $800.0 $695.0 $700.0 $622.6 $600.0 $509.7 $500.0 $466.2 $400.0 $343.2 $355.7 $293.0 $300.0 $257.7 $206.9 $200.0 ~ $156.7 $100.0 il | $0.0 2015 «2016 =6.2017, Ss 2018 )=— 2019 2020 2021) 2S 2022, 2023, 2024 = 2025 2 Z = =
Slide 6: Book Value per Common Share and Tangible Book Value per Common Share
¢ Book Value per Common Share - 10 Year CAGR of 9% ¢ Tangible Book Value per Common Share (non-GAAP) - 10 Year CAGR of 10% $110.00 > $102.03 $100.00 $90.00 $80.00 $71.62 $72.12 $65.24 o7000 $61.68 $59.64 $61.00 $60.00 $55.71 $50.96 $53.23 47.11 $50.00 ~ $43.42 sa! $40.00 $30.00 $20.00 2015 2016 2017
Slide 7: Stock Price and Common Stock Dividends Paid
$150.00 $125.00 $100.00 $75.00 $50.00 $25.00 $0.00 ¢ Stock Price - 10 Year CAGR of 11% ¢ Common Stock Dividends Paid - 10 Year CAGR of 16% 2015 2016 2017 2018 2019 Market price per common share $124.71 2020 «2021 2022 2023 2024 $139.82 2025 ~~~ Cash dividends declared per common share
Slide 8: Total Assets
Total Assets 10 Year CAGR of 12% 2 < = a & a T T T T T T T T T T 2015 =2016 =6.2017'-— 2018 = 2019 =. 2020 2022) «20232024 = 2025
Slide 9: Total Loans
Total Loans 10 Year CAGR of 12% $42.1 $39.2 $34.8 $32.1 $26.8 $23.8 $21.6 $19.8 $17.3 a i 2015 «2016 = 2017, 2018 = 2019) 2020 2021.) 2S 2022) 2023, 2024) = 2025 2 g i) = | ==) s & a
Slide 10: Total Deposits
Total Deposits 10 Year CAGR of 12% $45.4 $42.1 $42.9 $37.1 $30.1 $26.1 $21.7 $23.2 $18.6 Z i 2015 «2016 =. 2017, — «2018 = 2019 = 2020S 2021 2023. «2024 = 2025 2 g J = | <=) s & a
Slide 11: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets T T T T T T T T T T T 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 12: Selected financial data and quarterly comparison
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 329,811 317,809 270,060 4 22 Cash dividends declared per common share 0.50 0.50 0.45 — 11 Net interest income 583,874 567,010 525,148 3 11 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.54 3.50 3.51 4 3 Return on a
Slide 13: Provision for credit losses and net charge-offs
Third Quarter 2025 (19) (28) (25) First Quarter 2025 (1) (13) — Provision for credit losses - Other 27,588 21,768 22,234 23,963 16,979 95,553 85,500 Initial allowance for credit losses recognized on PCD assets acquired during the period — — — — — — 3,004 Charge-offs: Commercial real estate 5,625 144