Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 45

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 45
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 our capital stock are classified as preferred stock under our Articles of Incorporation. As of March 31, 2025, we had 5,000,000 shares of Series D preferred stock issued and outstanding, 11,500 shares of Series E preferred stock issued and outstanding and 11,500,000 corresponding depositary shares, each representing 1/1,000th ownership interest in a share of Series E preferred stock.

We intend to use the net proceeds from this offering for general corporate purposes, which may include the redemption of all or a portion of our outstanding shares of Series D preferred stock and/or Series E preferred stock and the corresponding depositary shares representing interests in the Series E preferred stock, subject to approval from the Federal Reserve. See “Use of Proceeds.”

#### Transfer Agent
Equiniti Trust Company, LLC will act as initial transfer agent for the Preferred Stock.

#### Calculation Agent
Wintrust Investments, LLC, our subsidiary, will be the calculation agent for the Preferred Stock.

#### Preemptive and Conversion Rights
The holder of the Preferred Stock does not have any preemptive or conversion rights.

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TABLE OF CONTENTS

### DESCRIPTION OF DEPOSITARY SHARES
In this prospectus supplement, references to “holders” of depositary shares mean those who own depositary shares registered in their own names, on the books that we or the depositary maintain for this purpose, and not indirect holders who own beneficial interests in depositary shares registered in street name or issued in book-entry form through DTC. Please review the special considerations that apply to indirect holders described in the “Book-Entry System” section of this prospectus supplement.

This prospectus supplement summarizes specific terms and provisions of the depositary shares representing the Preferred Stock. As described above under “Description of Preferred Stock” and elsewhere in this prospectus supplement, we are issuing fractional interests in shares of the Preferred Stock in the form of depositary shares. Each depositary share will represent a 1/1,000th ownership interest in a share of the Preferred Stock, and will be evidenced by a depositary receipt. The shares of Preferred Stock represented by depositary shares will be deposited under a deposit agreement among us, U.S. Bank Trust Company, National Association, as registrar and depositary, and the holders from time to time of the depositary receipts evidencing the depositary shares. Subject to the terms of the deposit agreement, each holder of a depositary share will be entitled, through the