WTFC

Wintrust is a consistently growing Midwest commercial bank. FY2025 net income rose 18.5% to $824M and diluted EPS grew 10.6% to $11.40, extending a clean multi-year compounding record (net income has climbed every year from $466M in FY2021 to $824M in FY2025). Total assets grew 9.7% to $71.1B and equity rose 14.4% to $7.26B, while retained earnings grew 16.4% — the bank is profitably expanding its balance sheet and building capital simultaneously. At 13.5x EPS, the valuation is reasonable for a double-digit grower.

Profitability and capital return are solid. ROE of 11.3% is respectable for a bank of this size, operating cash flow grew 26.2% to $910M, and the dividend rose 18.2% to $169M, signaling management confidence. The 8.80x liabilities/equity ratio is normal for a deposit-funded bank, and the rising equity base supports continued loan growth and regulatory capital adequacy.