For the quarter ended September 2025, Wintrust Financial (WTFC Quick QuoteWTFC - Free Report) reported revenue of $697.84 million, up 13.3% over the same period last year. EPS came in at $3.06, compared to $2.47 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $681.43 million, representing a surprise of +2.41%. The company delivered an EPS surprise of +16.35%, with the consensus EPS estimate being $2.63.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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: 54.7% versus the four-analyst average estimate of 56.3%.
• Net Interest Margin: 3.5% versus 3.5% estimated by four analysts on average.
• Average balance - Total earning assets: $64.64 billion compared to the $63.5 billion average estimate based on two analysts.
• Tier 1 leverage ratio: 9.5% compared to the 9.6% average estimate based on two analysts.
• Net charge-offs to average loan: 0.2% versus the two-analyst average estimate of 0.2%.
• Total Non-Interest Income: $130.83 million compared to the $122.13 million average estimate based on four analysts.
• Net interest income - FTE: $569.84 million versus the three-analyst average estimate of $563.57 million.
• Net Interest Income: $567.01 million versus $558.27 million estimated by three analysts on average.
• Service charges on deposit accounts: $19.83 million compared to the $19.9 million average estimate based on two analysts.
• Wealth management: $37.19 million compared to the $37.1 million average estimate based on two analysts.
• Mortgage banking: $24.45 million versus the two-analyst average estimate of $26.41 million.
• Operating lease income, net: $15.47 million versus the two-analyst average estimate of $15.2 million.

View all Key Company Metrics for Wintrust here>>>

Shares of Wintrust have returned -9.1% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.