Wintrust Monetary Company (WTFC) This autumn 2025 Earnings Name Transcript

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Q4: 2026-01-20 Earnings Summary

EPS of $3.15 beats by $0.20

| Revenue of $714.26M (11.85% Y/Y) beats by $10.75M

Wintrust Financial Corporation (WTFC) Q4 2025 Earnings Call January 21, 2026 11:00 AM EST

Company Participants

Timothy Crane – CEO, President & Director
David Dykstra – Vice Chairman & COO
Richard Murphy – Vice Chairman & Chief Lending Officer

Conference Call Participants

Jon Arfstrom – RBC Capital Markets, Research Division
Nathan Race – Piper Sandler & Co., Research Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Brendan Nosal – Hovde Group, LLC, Research Division
Jeff Rulis – DA Davidson & Co., Research Division
David Long – Raymond James & Associates, Inc., Research Division
Terence McEvoy – Stephens Inc., Research Division
Casey Haire – Autonomous Research Limited
David Chiaverini – Jefferies LLC, Research Division
Benjamin Gerlinger – Citigroup Inc., Research Division
Jared David Shaw – Barclays Bank PLC, Research Division
Sun Young Lee – TD Cowen, Research Division
Bill Lever

Presentation

Operator

Welcome to Wintrust Financial Corporation’s Fourth Quarter and Full Year 2025 Earnings Conference Call. A review of the results will be made by Tim Crane, President and Chief Executive Officer. David Dykstra, Vice Chairman and Chief Operating Officer; and Richard Murphy, Vice Chairman and Chief Lending Officer. As part of their reviews, the presenters may make reference to both the earnings press release and the earnings release presentation. (Operator Instructions)

During the course of today’s call, Wintrust management may make statements that constitute projections, expectations, beliefs or similar forward-looking statements. Actual results could differ materially from the results anticipated or projected in any such forward-looking statements. The company’s forward-looking assumptions that could cause the actual results to differ materially from the information discussed during this call are detailed in our earnings press release and in the company’s most recent Form 10-K and any subsequent filings with the SEC.

Also, our remarks may reference certain non-GAAP financial measures. Our earnings press release and earnings release presentation include a reconciliation of each

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