Wintrust Financial Corporation (WTFC) shares are soaring 5.22% in pre-market trading on Wednesday following the release of its strong first-quarter 2025 earnings report. The regional bank reported solid financial results, including record net interest income and significant loan and deposit growth, despite economic uncertainties.
The company announced a quarterly net income of $189 million and record net interest income of $526 million for Q1 2025. Wintrust achieved substantial loan growth of over $650 million and deposit growth exceeding $1.1 billion, indicating strong market share gains. The net interest margin improved to 3.56%, up 5 basis points from the previous quarter, reflecting disciplined loan and deposit pricing. Credit performance remained solid with charge-offs down to 11 basis points and stable non-performing loans.
Despite potential economic headwinds, Wintrust's management expressed confidence in maintaining stable margins and strong loan growth for the remainder of 2025. The company also increased its dividend to $2 per share on an annualized basis and continues to build its capital ratio, with the CET1 ratio ending the quarter at slightly over 10%. Analysts have responded positively to the results, with several firms adjusting their price targets for Wintrust stock.
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