- Adjusted net income was $587 million, driven by positive operating leverage and net revenue growth.
- Deposits grew by $3.3 billion or 2% sequentially, marking the 7th consecutive quarter of deposit growth.
- Loans increased by $3.5 billion or 2.5% sequentially, led by Global Fund Banking in SVB Commercial segment.
- Net charge-offs increased to $234 million (65 basis points), including an $82 million charge-off related to First Brands bankruptcy.
- Net interest income grew 2.3% sequentially, with headline NIM stable at 3.26%.
- Reported adjusted earnings per share of $44.62, adjusted ROE of 10.62%, and adjusted ROA of 1.01%.
- Tangible book value per share increased approximately 8% year-over-year and 2% sequentially despite $900 million in share repurchases during the quarter.
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- Adjusted operating margin was 36.3% for the full year and 33.8% for Q4, with adjusted EPS growing to $16.98 for FY '25 and $4.05 for Q4.
- Client count grew nearly 10% year-over-year to 9,000, with over 237,000 users, driven by wealth and corporate client additions.
- Dividend increased by 6% in Q3, marking 26 consecutive years of dividend increases, with total shareholder returns exceeding $460 million in FY '25.
- Fiscal 2025 annual revenue increased to $2.3 billion with 5.4% overall growth and 4.4% organic growth, marking over 45 consecutive years of top-line growth.
- Gross debt leverage ratio improved to 1.5x, providing strong financial flexibility.
- Operating expenses grew 9.5% year-over-year in Q4, driven by people-related expenses (+13%) and technology expenses (+13%) due to acquisitions and AI investments.
- Q4 organic ASV reached $81.8 million, the largest quarter in company history, with a sequential growth acceleration to 5.7%.
- Share repurchases totaled $107 million in Q4, concluding a $300 million program, with a new $400 million authorization started in September.
- Wintrust reported a record quarterly net income of $195.5 million, up from $189 million last quarter.
- Net interest income also reached a quarterly record of $547 million, driven by broad-based loan growth of $2.3 billion.
- Management emphasized the strong financial performance and consistent results aligned with expectations.
- Adjusted net income was $978 million and adjusted diluted EPS was $2.68, both slightly above Q3 2024.
- Adjusted operating income was $1.1 billion with a 68.4% operating margin.
- Average rate per contract was $0.702, generating $1.2 billion in clearing and transaction fees.
- Capital expenditures were approximately $19 million for the quarter.
- Cash balance at quarter-end was approximately $2.6 billion.
- Dividends paid totaled $455 million in Q3 and $3.5 billion year-to-date.
- Market data revenue reached a record $203 million, up 14% year-over-year.
- Third quarter 2025 revenue was $1.5 billion, down 3% from Q3 2024.
- Agree Realty invested over $350 million in 110 properties during Q2 2025, including $328 million in acquisitions across 91 retail net lease assets with a weighted average cap rate of 7.1% and lease term of 12.2 years.
- Core FFO per share was $1.05 for Q2, a 1.3% increase year-over-year, and AFFO per share was $1.06, a 1.7% increase year-over-year.
- Liquidity stood at $2.3 billion with no material debt maturities until 2028 and pro forma net debt to recurring EBITDA at 3.1x, the lowest since Q4 2022.
- The company declared monthly dividends of $0.256 per share for Q2, representing a 2.4% year-over-year increase and a payout ratio of 72% of AFFO per share.
- The portfolio occupancy rebounded to 99.6% post re-tenanting of former Big Lots, with investment-grade exposure at 68%.
- Advisory revenues up 60% year over year to $1.4 billion, leading global M&A advisor.
- Asset and Wealth Management revenues reached $4.4 billion, with record management fees of $2.9 billion.
- Debt underwriting revenues rose 30%, reflecting higher leveraged finance activity.
- Equity underwriting revenues increased 21% year over year, driven by IPO activity.
- FICC net revenues of $3.5 billion, up 17% year over year, with strong rates and mortgages.
- Global Banking & Markets revenues of $10.1 billion with a 17% ROE year to date.
- Net revenues of $15.2 billion and earnings per share of $12.25 in Q3 2025.
- Return on equity (ROE) of 14.2% for the quarter and 15.6% year to date.
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