Table of Contents _____________________________________ Large accelerated filer ☑ Accelerated filer ☐ Non-accelerated filer ☐ (Do not check if a smaller reporting company) Smaller reporting company ☐ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ T ...

Momentum investing is all about the idea of following a stock's recent trend, which can be in either direction. In the 'long' context, investors will essentially be "buying high, but hoping to sell even higher." And for investors following this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving in that direction. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades. Whi ...

Financial Data and Key Metrics Changes - The company reported net income of just over $170 million for Q3 2024 and record net income of just under $510 million for the first three quarters of the year, aligning with expectations [4] - Loans grew by $2.4 billion, with $1.3 billion acquired from Macatawa Bank and $1.1 billion in organic growth [5] - Deposits increased by over $3.4 billion, with $2.3 billion from Macatawa and $1.1 billion organically [5] - The net interest margin was stable at 3.51%, contributing to record net interest income of $503 million, up approximately $32 million from the previous quarter [7][14] Business Line Data and Key Metrics Changes - Organic loan growth was balanced across all material product categories, indicating a diverse asset-generating business [5] - Noninterest-bearing deposits increased by approximately $708 million, remaining stable at 21% of total deposits [11] - Noninterest income totaled $113.1 million, down approximately $8 million from the prior quarter, primarily due to unfavorable mortgage servicing rights activity [16] Market Data and Key Metrics Changes - Wintrust increased its deposit share in the Chicago MSA to 7.7%, while competitors like Chase and Bank of America lost deposit share [6] - The company experienced strong growth in its asset-based portfolio, which grew by $243 million [22] Company Strategy and Development Direction - The company is focused on disciplined credit management and maintaining a diversified asset portfolio to mitigate risks [22][33] - Integration activities related to the Macatawa acquisition are on target, with optimism about opportunities in West Michigan [30] - The company aims to build capital steadily while managing its capital ratios effectively [52] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining a stable net interest margin and projected continued growth in net interest income [14][20] - The credit environment is stabilizing, with nonperforming loans remaining low and charge-offs decreasing [7][25] - The company is optimistic about loan growth in the fourth quarter, aligning with previous guidance of mid to high single-digit growth [22][36] Other Important Information - The company has consistently outperformed the KBW Regional Bank Index in total shareholder returns over various time periods [21] - Noninterest expenses totaled $360.7 million, up approximately $20.3 million from the second quarter, primarily due to Macatawa-related expenses [18] Q&A Session Summary Question: Can you talk more about the loan growth outlook and drivers? - Management highlighted a diversified asset portfolio as key to growth, with strong performance in various segments including C&I and CRE [31][33] Question: What is the expected provision for credit losses in the fourth quarter? - Management indicated that the provision would likely reflect mid to high single-digit growth, depending on macroeconomic conditions [36] Question: How has your deposit cost trended with the recent rate cut? - The company experienced a deposit beta in the mid-60s and anticipates similar trends on the way down, with confidence in maintaining spreads [40][41] Question: What are the plans for leveraging the Macatawa franchise? - Management expressed satisfaction with the existing team and plans to add resources as market opportunities arise [43] Question: Can you provide insights on the charge-offs in the C&I segment? - Charge-offs were primarily transportation-related, with management indicating a focus on managing these risks [46] Question: What is the expected growth in capital going forward? - The company plans to build capital steadily, with a CET1 ratio expected to reach around 10% by 2025 [52]

Wintrust Financial Corporation Earnings Release Presentation Q3 2024 WINTRUST Forward Looking Statements PENDING - LEGAL 22 This document contains forward-looking statements within the meaning of federal securities laws. Forward-looking information can be identified through the use of words such as "intend," "plan," "project," "expect," "anticipate," "believe," "estimate," "contemplate," "possible," "will," "may," "should," "would" and "could." Forward-looking statements and information are not historical f ...

Wintrust Financial (WTFC) reported $615.73 million in revenue for the quarter ended September 2024, representing a year-over-year increase of 7.1%. EPS of $2.47 for the same period compares to $2.53 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $621.35 million, representing a surprise of -0.90%. The company delivered an EPS surprise of -1.20%, with the consensus EPS estimate being $2.50. While investors scrutinize revenue and earnings changes year-over-year and how they compar ...

Wintrust Financial (WTFC) came out with quarterly earnings of $2.47 per share, missing the Zacks Consensus Estimate of $2.50 per share. This compares to earnings of $2.53 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -1.20%. A quarter ago, it was expected that this bank holding company would post earnings of $2.40 per share when it actually produced earnings of $2.32, delivering a surprise of -3.33%. Over the last four quar ...

Exhibit 99.1 Wintrust Financial Corporation 9700 W. Higgins Road, Suite 800, Rosemont, Illinois 60018 News Release FOR IMMEDIATE RELEASE October 21, 2024 FOR MORE INFORMATION CONTACT: Timothy S. Crane, President & Chief Executive Officer David A. Dykstra, Vice Chairman & Chief Operating Officer (847) 939-9000 Web site address: www.wintrust.com Wintrust Financial Corporation Reports Third Quarter and Year-to-Date Results ROSEMONT, ILLINOIS – Wintrust Financial Corporation ("Wintrust", "the Company", "we" or ...

ROSEMONT, Ill, Oct. 21, 2024 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (“Wintrust”, “the Company”, “we” or “our”) (Nasdaq: WTFC) announced net income of $509.7 million or $7.67 per diluted common share for the first nine months of 2024 compared to net income of $499.1 million or $7.71 per diluted common share for the same period of 2023. Pre-tax, pre-provision income (non-GAAP) for the first nine months of 2024 totaled a record $778.1 million, compared to $751.3 million in the first nine months of ...

Investors are always looking for stocks that are poised to beat at earnings season and Wintrust Financial (WTFC) may be one such company. The firm has earnings coming up pretty soon, and events are shaping up quite nicely for their report. That is because Wintrust Financialis seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat. After all, analysts raising estimates right before earnings — with the most up-to-date information possible — is a pre ...

Wall Street analysts forecast that Wintrust Financial (WTFC) will report quarterly earnings of $2.50 per share in its upcoming release, pointing to a year-over-year decline of 1.2%. It is anticipated that revenues will amount to $621.35 million, exhibiting an increase of 8.1% compared to the year-ago quarter. The current level reflects an upward revision of 0.3% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappr ...