For the quarter ended June 2025, Wintrust Financial (WTFC Quick QuoteWTFC - Free Report) reported revenue of $670.78 million, up 13.4% over the same period last year. EPS came in at $2.78, compared to $2.32 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $655.9 million, representing a surprise of +2.27%. The company delivered an EPS surprise of +7.34%, with the consensus EPS estimate being $2.59.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Wintrust performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 56.9% versus the five-analyst average estimate of 57.1%.
• Net Interest Margin: 3.5% versus the five-analyst average estimate of 3.5%.
• Average balance - Total earning assets: $62.22 billion compared to the $61.33 billion average estimate based on three analysts.
• Net charge-offs to average loan: 0.1% versus the three-analyst average estimate of 0.2%.
• Tier 1 leverage ratio: 10.2% compared to the 9.6% average estimate based on two analysts.
• Total Non-Interest Income: $124.09 million versus $117.8 million estimated by five analysts on average.
• Net interest income - FTE: $549.57 million versus the four-analyst average estimate of $542.14 million.
• Net Interest Income: $546.69 million versus the four-analyst average estimate of $536.91 million.
• Wealth management: $36.82 million versus the three-analyst average estimate of $34.83 million.
• Fees from covered call options: $5.62 million compared to the $2.33 million average estimate based on three analysts.
• Mortgage banking: $23.17 million versus the three-analyst average estimate of $25.59 million.
• Operating lease income, net: $15.17 million versus the three-analyst average estimate of $15.17 million.

View all Key Company Metrics for Wintrust here>>>

Shares of Wintrust have returned +11.4% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.