Filing Flows › Wintrust Financial (WTFC) › Q3 2026
Wintrust Financial (WTFC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Wintrust Financial (WTFC) reported revenue of $758M for the third quarter 2026 (Q3 2026), +9% from a year earlier and +3% from the quarter before. Operating margin was 43.1%, net earnings $239M (31.5% of revenue).
Wintrust Financial, Q3 2026: revenue $758M (+9% year over year), operating margin 43.1%, net earnings $239M, operating cash flow $358M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $758M | +3% | +9% |
| Operating profit | $326M | +3% | +10% |
| Net earnings | $239M | +2% | +11% |
| Operating cash flow | $358M | +40% | +71% |
What changed
Revenue was $757.9M in Q3 2026, up 9% year over year and up 3% from the previous quarter. Net interest income was the largest line at 82% of revenue. Net interest income added $54.6M year over year (up 10%), 91% of the total change.
Operating profit was $326.3M, a 43.1% margin (up 0.6 points year over year). Of the extra revenue versus a year earlier, 50% reached operating profit, above the 42% margin then. Total costs grew 7% against revenue growth of 9%. The fastest-growing cost line was Credit loss provision (+19%). Net earnings were $239.1M, up 11% year over year. The effective tax rate was 26.7%.
Operating cash flow was $357.8M (up 71% year over year), 150% of net earnings. Non-cash charges added back $29.9M of depreciation and amortization and $11.9M of share-based compensation. Working capital and other items added $76.9M.
Questions
What was Wintrust Financial's revenue in the third quarter 2026?
Wintrust Financial (WTFC) reported revenue of $758M for the third quarter 2026 (Q3 2026), +9% from a year earlier and +3% from the quarter before.
Was Wintrust Financial profitable in the third quarter 2026?
Operating profit was $326M (43.1% of revenue) and net earnings $239M.
Source: Wintrust Financial 10-Q on SEC EDGAR.