Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 0

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 0
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TABLE OF CONTENTS

Filed Pursuant to Rule 424(b)(5) File No. 333-271788 PROSPECTUS SUPPLEMENT
(To prospectus dated May 9, 2023) Wintrust Financial Corporation 17,000,000 Depositary Shares, Each Representing a 1/1,000th Interest in a Share of
7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F We are offering to sell 17,000,000 depositary shares, each representing a 1/1,000th ownership interest in a share of 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, with a liquidation preference of $25,000 per share (equivalent to $25.00 per depositary share) of Wintrust Financial Corporation, which we refer to as the Preferred Stock. The depositary shares are represented by depositary receipts. As a holder of depositary shares, you will be entitled to all proportional rights and preferences of the Preferred Stock (including dividend, voting, redemption and liquidation rights). You must exercise such rights through the depositary. We will pay dividends on the Preferred Stock when, as and if declared by our board of directors (the “Board”) or a duly authorized committee of the Board and to the extent that we have lawfully available funds to pay dividends. Dividends will accrue on the liquidation preference of the Preferred Stock (i) from and including the original issuance date to, but excluding, July 15, 2030, at a fixed rate equal to 7.875% per annum, and (ii) from and including July 15, 2030, during each reset period, at a rate per annum equal to the five-year treasury rate as of the most recent reset dividend determination date (as described elsewhere in this prospectus supplement) plus 3.878%. Dividends will be payable in arrears on January 15, April 15, July 15 and October 15 of each year, beginning on October 15, 2025. Dividends on the Preferred Stock will not be cumulative. If for any reason 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 will be deemed to have accrued for such dividend period or be payable, and we will have no obligation to pay any dividend