Wintrust Financial Corporation 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F

Wintrust Financial Corporation Preferred Stock 7.875% Perpetual is a fixed-rate, non-cumulative perpetual preferred equity instrument issued by Wintrust Financial Corporation. Each depositary share in this series represents a 1/1,000th interest in a share of the company’s 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F. The preferred stock is designed to pay a fixed dividend rate of 7.875%, providing predictable income to shareholders as long as the issuer is solvent, with no stated maturity date, reflecting its perpetual nature. This structure means dividends are prioritized over common stock dividends but are not guaranteed if not declared, and missed dividends are not accumulated. The offering supports Wintrust’s capital base and may facilitate the redemption of earlier preferred stock issues, thereby optimizing its capital structure. As a preferred equity security, it serves investors seeking income and higher claim priority in the event of liquidation, while also allowing Wintrust to strengthen its financial flexibility and support ongoing operations in the banking and financial services sector.