Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 25

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 25
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 year. The terms of the additional directors so elected will end upon the payment or setting aside for payment by us of continuous noncumulative dividends for at least one year on the Preferred Stock, the Series D preferred stock, the Series E preferred stock and any other equally ranked series of preferred stock. See “Description of Preferred Stock — Voting Rights — Right to Elect Two Directors upon Nonpayment.”

The Preferred Stock is a new series of securities, and an active trading market for the depositary shares may not develop.

Prior to this offering, there has been no public market for the depositary shares. We intend to apply to list the depositary shares on The NASDAQ Global Select Market. However, there is no guarantee that we will be able to list the depositary shares. If the application is approved, we expect trading of the depositary shares on The NASDAQ Global Select Market to begin within the 30-day period after the original issuance date. Even if the depositary shares are listed, there can be no assurance that an active trading market for the depositary shares will develop, or, if developed, that an active trading market will be maintained. Certain of the underwriters have advised us that they intend to facilitate secondary market trading by making a market in the depositary shares. However, the underwriters are not obligated to make a market in the depositary shares and may discontinue market making activities at any time. If an active market is not developed or sustained, the market price and liquidity of the depositary shares may be adversely affected.

General market conditions and unpredictable factors could adversely affect market prices for the Preferred Stock and the depositary shares representing the Preferred Stock.

Future trading prices of the Preferred Stock and the depositary shares representing the Preferred Stock will depend on many factors, including:

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whether we declare or fail to declare dividends on the Preferred Stock from time to time;

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our operating performance, financial condition and prospects, or the operating performance, financial condition and prospects of our competitors;

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our creditworthiness;

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the ratings given to our securities by credit rating agencies, including the ratings given to the depositary shares representing the Preferred Stock;

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prevailing interest rates;

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economic, financial, geopolitical, regulatory or judicial events affecting us or the financial markets generally; and

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the market for similar securities.

We may issue additional shares of Preferred Stock, depositary shares representing an interest in our preferred stock, shares of preferred stock or securities convertible or exchangeable