Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 12

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 12
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 date. Reset dates, including the First Reset Date, will not be adjusted for business days. A “reset period” means the period from, and including, the First Reset Date to, but excluding, the next following reset date and thereafter each period from, and including, each reset date to, but excluding, the next following reset date. A “reset dividend determination date” means, in respect of any reset period, the day falling three business days prior to the beginning of such reset period.

The amount of any dividend will be computed in the manner described under “Description of Preferred Stock — Dividends” on page S-20. See also “— Dividend Payment Dates” below.

Dividends on the Preferred Stock will not be cumulative. If our Board or a duly authorized committee of the Board does not declare a dividend on the Preferred Stock in respect of a dividend period (as defined herein), then no dividend shall be deemed to have accrued for such dividend period, be payable on the applicable dividend payment date, or be cumulative, and we will have no obligation to pay any dividend for that dividend period to the holders of the Preferred Stock, including the holders of the depositary shares, and no related distribution will be made on the depositary shares, whether or not our Board or a duly authorized committee of our Board declares a dividend on the Preferred Stock for any future dividend period.

Any dividends paid will be distributed to holders of depositary shares in the manner described under “Description of Depositary Shares — Dividends and Other Distributions” beginning on page S-29.

#### Dividend Payment Dates
Dividends on the Preferred Stock will be payable when, as and if declared by our Board or a duly authorized committee of our Board, quarterly, in arrears, on January 15, April 15, July 15 and October 15 of each year (each, a “dividend payment date”), beginning on October 15, 2025. Each period from and including a dividend payment date (or, in the case of the initial dividend period only, the date of the issuance of the Preferred Stock) to, but excluding, the following dividend payment date is referred to as a “dividend period.”

<div align='center'>S-3</div>

TABLE OF CONTENTS

If any date on which dividends would otherwise be payable is not a business day (as defined in the “Description of Preferred Stock — Dividends”), then such date will nevertheless be a dividend payment date but dividends on the Preferred