Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 16

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 16
---
Description of Depositary Shares — Redemption of Depository Shares” beginning on page S-29.

Any redemption of the Preferred Stock is subject to our receipt of any required prior approval by the Board of Directors of the Federal Reserve and to the satisfaction of any conditions set forth in the capital guidelines or regulations of the Federal Reserve applicable to redemption of the Preferred Stock.

Neither the holder of the Preferred Stock nor holders of depositary shares will have the right to require redemption or repurchase of the Preferred Stock. The Preferred Stock is not subject to any mandatory redemption, sinking fund or other similar provisions. See “Description of Preferred Stock — Redemption” beginning on page S-23.

#### Ranking
The Preferred Stock will rank senior to our common stock and each other class or series of capital stock we may issue in the future, the terms of which do not expressly provide that it ranks on a parity with or senior to the Preferred Stock as to dividend rights and rights upon liquidation, dissolution or winding-up of Wintrust (collectively, the “junior stock”). The Preferred Stock will rank on a parity with our existing Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par value, which we refer to as the Series D preferred stock, our existing 6.875% Fixed Rate Reset Non-Cumulative

<div align='center'>S-7</div>

TABLE OF CONTENTS

Perpetual Preferred Stock, Series E, no par value, which we refer to as the Series E preferred stock, and each other class or series of capital stock we may issue in the future, the terms of which expressly provide that such class or series will rank on a parity with the Preferred Stock as to dividend rights and rights on liquidation, dissolution or winding-up of Wintrust (collectively, the “parity stock”) (except for any senior stock that may be issued with the requisite consent of the holders of the Preferred Stock and all other parity stock, if any). See “Description of Preferred Stock — General” on page S-19.

#### Voting Rights
None, except with respect to authorizing or increasing the authorized amount of senior stock (as defined herein), certain changes in the terms of the Preferred Stock, certain dividend non-payments and except as specifically required by Illinois law or as may be required by the rules of The NASDAQ Stock Market. See “Description of Preferred Stock — Voting Rights” beginning on page S-25. A holder of depositary shares will be entitled to direct the depositary to vote