Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 11

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 11
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 used in this “— Summary of the Offering” section, the terms “Wintrust,” “we,” “us,” or “our” refer to Wintrust Financial Corporation and not any of its subsidiaries.

#### Issuer
Wintrust Financial Corporation

#### Securities Offered
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, no par value (the “Preferred Stock”), with a liquidation preference of $25,000 per share of Preferred Stock (equivalent to $25.00 per depositary share). Each holder of a depositary share will be entitled, through the depositary, in proportion to the applicable fraction of a share of Preferred Stock represented by such depositary share, to all the rights and preferences of the Preferred Stock represented thereby (including dividend, voting, redemption and liquidation rights).

We may in the future from time to time, without notice to or consent of the holders of the Preferred Stock or the holders of the depositary shares, issue additional shares of the Preferred Stock; provided , that such additional shares are fungible for U.S. federal income tax purposes with the shares of Preferred Stock and related depositary shares offered hereby. The additional shares of Preferred Stock would form a single series with the Preferred Stock offered hereby. In the event we issue additional shares of Preferred Stock, we will issue a corresponding number of additional depositary shares.

#### Dividends
We will pay dividends based on the liquidation preference of the Preferred Stock, when, as and if declared by our 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 and be payable quarterly, in arrears, (i) from and including the original issuance date

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to, but excluding, July 15, 2030 (the “First Reset Date”), at a fixed rate equal to 7.875% per annum, and (ii) from and including the reset date with respect to 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%.

A “reset date” means the First Reset Date and each date falling on the fifth anniversary of the preceding reset