Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 20

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 20
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5, our indebtedness and obligations, on an unconsolidated basis, totaled approximately $4.2 billion, including outstanding junior subordinated debentures totaling $253.6 million and outstanding subordinated notes totaling $298.4 million. Our senior credit facility consists of a $100.0 million revolving credit facility, none of which was drawn as of March 31, 2025, and a $200.0 million term loan facility. The maturity date for the revolving credit facility is December 5, 2025 and the maturity date for the term loan facility is December 12, 2027. We may also incur additional indebtedness in the future. The Preferred Stock and the depositary shares representing the Preferred Stock places no restrictions on our business or operations or on our ability to incur indebtedness or engage in any transactions, subject only to the limited voting rights referred to below under “— The holder of the Preferred Stock, and therefore the holders of the depositary shares representing the Preferred Stock, will have limited voting rights.”

The Preferred Stock and the depositary shares representing the Preferred Stock may be junior in rights and preferences to our future preferred stock.

The Preferred Stock and the depositary shares representing the Preferred Stock will rank on parity with the Series D preferred stock, the Series E preferred stock and any other series of preferred stock that we may issue if the terms of such series provide that such preferred stock ranks equally with the Preferred Stock. Subject to approval by at least two-thirds of the outstanding shares of our preferred stock, voting separately as a single class, we may issue preferred stock in the future, the terms of which are expressly senior to the Preferred Stock. The terms of any such future preferred stock expressly senior to the Preferred Stock and the depositary shares representing the Preferred Stock may restrict dividend payments on the Preferred Stock and the depositary shares representing the Preferred Stock.

Our ability to pay dividends on, redeem or repurchase the Preferred Stock and the depositary shares representing the Preferred Stock may be limited by the terms of our other outstanding securities, including our other series of preferred stock and our junior subordinated debentures, and the terms of our debt instruments.

The payment of dividends is also subject to restrictions arising under the terms of our junior subordinated debentures underlying our trust preferred securities. Subject to certain exceptions, the

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terms of our outstanding junior subordinated debentures prohibit us from declaring or paying any dividends or distributions on our capital stock