Company: WTFCN
Filing Date: 2025-05-09
Form Type: 424B5
Source: 0001104659-25-046769
Chunk: 78

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-09
Form: 424B5
Chunk 78
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 other securities, the prospectus supplement relating to those securities will disclose the exchange or market on which such securities will be listed or quoted.

Investing in our securities involves risk. See “Risk Factors” included on page 1of this prospectus and in any applicable prospectus supplement, in addition to the risk factors that are incorporated by reference in this prospectus or any applicable prospectus supplement.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus. Any representation to the contrary is a criminal offense.

These securities will not be savings accounts, deposits or other obligations of any bank or non-bank subsidiary of ours and are not insured or guaranteed by the Federal Deposit Insurance Corporation, which we refer to as the FDIC, or any other governmental agency.

Our principal executive office is located at 9700 W. Higgins Road, Suite 800, Rosemont, Illinois 60018, telephone number: (847) 939-9000.

<div align='center'>The date of this prospectus is May 9, 2023.</div>

TABLE OF CONTENTS

TABLE OF CONTENTS Prospectus

| ​                                                                | ​ | ​ | Page |   |     |   | ​ |
| ABOUT THIS PROSPECTUS                                            | ​ | ​ | ​    | ​ |  ii | ​ | ​ |
| WHERE YOU CAN FIND MORE INFORMATION                              | ​ | ​ | ​    | ​ | iii | ​ | ​ |
| SPECIAL NOTE CONCERNING FORWARD-LOOKING STATEMENTS               | ​ | ​ | ​    | ​ |   v | ​ | ​ |
| THE COMPANY                                                      | ​ | ​ | ​    | ​ |   1 | ​ | ​ |
| RISK FACTORS                                                     | ​ | ​ | ​    | ​ |   1 | ​ | ​ |
| USE OF PROCEEDS                                                  | ​ | ​ | ​    | ​ |   1 | ​ | ​ |
| GENERAL DESCRIPTION OF SECURITIES                                | ​ | ​ | ​    | ​ |   2 | ​ | ​ |
| Description of Debt Securities                                   | ​ | ​ | ​    | ​ |   2 | ​ | ​ |
| Description of Capital Stock                                     | ​ | ​ | ​    | ​ |  12 | ​ | ​ |
| Description of Stock Purchase Contracts and Stock Purchase Units | ​ | ​ | ​    | ​ |  18 | ​