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Wintrust Financial (WTFC) reported $638.6 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 11.9%. EPS of $2.63 for the same period compares to $1.87 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $640.87 million, representing a surprise of -0.35%. The company delivered an EPS surprise of +4.37%, with the consensus EPS estimate being $2.52.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Wintrust performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
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Efficiency Ratio: 57.5% compared to the 57% average estimate based on four analysts.
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Net Interest Margin: 3.5% versus 3.5% estimated by four analysts on average.
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Average balance - Total earning assets: $59.85 billion versus $58.98 billion estimated by three analysts on average.
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Net charge-offs to average loan: 0.1% versus the two-analyst average estimate of 0.2%.
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Total Non-Interest Income: $113.45 million compared to the $124.83 million average estimate based on four analysts.
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Net interest income - FTE: $528.22 million versus the four-analyst average estimate of $518.85 million.
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Wealth management: $38.78 million versus $37.83 million estimated by three analysts on average.
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Fees from covered call and put options: $2.31 million versus the three-analyst average estimate of $1.67 million.
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Mortgage banking: $20.45 million versus the three-analyst average estimate of $30.14 million.
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Operating lease income, net: $15.33 million versus the three-analyst average estimate of $15.86 million.
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Net Interest Income: $525.15 million versus $515.37 million estimated by three analysts on average.
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Service charges on deposit accounts: $18.86 million versus $16.83 million estimated by three analysts on average.
View all Key Company Metrics for Wintrust here>>>
Shares of Wintrust have returned +8.5% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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