UNITED STATES SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

~~Pursuant~~Date toof ~~Section 13~~Report ~~or 15~~(d)Date of ~~The~~earliest event reported): October 1, 2025

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 21, 2025

WINTRUST FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Illinois

001-35077

36-3873352

~~36-3873352~~

(State or other jurisdiction of Incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

~~(I.R.S. EmployerIdentification No.)~~

9700 W. Higgins Road, Suite 800

Rosemont

Illinois

60018

(Address of principal executive offices)

(Zip Code)

9700 West Higgins Road

Rosemont, Illinois 60018

(Address of principal executive offices)

Registrant’s telephone number, including area code (847) 939-9000

~~Not Applicable~~N/A

(Former name or former address, if changed since last ~~year~~report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-‑12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class	Ticker Symbol	Name of Each Exchange on Which Registered
Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, no par value	WTFC	The Nasdaq Global Select Market
Common stock, no par value	WTFC	The NASDAQ Global Select Market
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par value	WTFCM	The Nasdaq Global Select Market
Depositary Shares, Each Representing 1/1,000th Interest in a Share of	WTFCN	The NASDAQ Global Select Market
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of	WTFCP	The Nasdaq Global Select Market
6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, no par value
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of	WTFCN	The Nasdaq Global Select Market
7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2 5.02. ~~Results~~Departure of ~~Operations~~Directors ~~and~~or ~~Financial~~Certain ~~Condition~~Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

~~The~~On ~~information~~October in1, ~~this~~2025, ~~Current~~the ~~Report~~Board isof ~~being~~Directors ~~furnished~~(the ~~and~~"Board") ~~shall~~of ~~not~~Wintrust beFinancial ~~deemed~~Corporation ~~“filed”~~(the ~~for~~"Company") ~~the~~appointed ~~purposes~~Laura ofKohl ~~Section 18~~and ofDavid ~~the~~S. ~~Securities~~Richter ~~Exchange~~as ~~Act~~directors of ~~1934~~Company, aseffective ~~amended,~~immediately. orMs. ~~otherwise~~Kohl ~~subject~~will toserve on the ~~liabilities~~Risk Management Committee and the Information Technology & Information Security Committee of ~~that~~the ~~Section~~Board, and Mr. ~~The~~Richter ~~information~~will inserve ~~this~~on ~~Current~~the ~~Report~~Audit ~~shall~~Committee ~~not~~and bethe ~~incorporated~~Finance byCommittee. ~~reference~~The ~~into~~Board ~~any~~has ~~registration~~determined ~~statement~~that orMs. ~~other~~Kohl ~~document~~and ~~pursuant~~Mr. toRichter are independent under the ~~Securities~~listing ~~Act~~standards of ~~1933,~~the asNasdaq ~~amended~~Stock Market.

OnThere ~~July 21,~~are ~~2025,~~no ~~Wintrust~~arrangements ~~Financial~~or ~~Corporation~~understandings ~~(the~~between ~~“Company”) announced~~Ms. ~~earnings~~Kohl ~~for~~and ~~the~~Mr. ~~second~~Richter ~~quarter~~and ofany ~~2025~~other ~~and~~person ~~posted~~pursuant onto ~~its~~which ~~website~~Ms. ~~the~~Kohl ~~Second~~and ~~Quarter~~Mr. ~~2025~~Richter ~~Earnings~~were ~~Release~~selected ~~Presentation~~as directors. ~~Copies~~Ms. ofKohl ~~the~~and ~~press~~Mr. ~~release~~Richter ~~relating~~are tonot ~~the~~parties ~~Company’s~~to ~~earnings~~any ~~results~~transaction ~~and~~with the ~~related~~Company ~~presentation~~reportable ~~are~~under ~~attached~~Item ~~hereto~~404(a) asof ~~Exhibit~~Regulation ~~99.1~~S-K ~~and~~under ~~Exhibit~~the ~~99.2,~~Securities ~~respectively.~~Exchange ~~Certain~~Act ~~supplemental~~of ~~information~~1934. A ~~relating~~copy toof ~~non-GAAP~~the ~~financial~~press ~~measures~~release ~~reported~~relating into the ~~attached~~appointment ~~press~~of ~~release~~Ms. Kohl and ~~presentation~~Mr. isRichter ~~included~~to onserve ~~pages~~as 33directors ~~through 34~~ of ~~Exhibit~~the ~~99.1~~Company ~~and~~is ~~pages~~attached 30hereto ~~through~~as ~~32 of~~ Exhibit 99.21.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits


Exhibit No.						Description
99.1						P ress Re lease dated October 2 , 2025
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

Exhibit
99.1			Second Quarter 2025 Earnings Release dated July 21, 2025
99.2			Second Quarter 2025 Earnings Release Presentation dated July 21, 2025

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

WINTRUST FINANCIAL CORPORATION (Registrant) By: /s/Kathleen ~~David L~~M. ~~Stoehr~~Boege ~~David~~Kathleen LM. ~~StoehrExecutive~~Boege Executive Vice President, ~~and~~ Chief ~~Financial~~Legal Officer and Corporate Secretary

Date: ~~July 21~~October 2, 2025

INDEX TO EXHIBITS

Exhibit
99.1			Second Quarter 2025 Earnings Release dated July 21, 2025
99.2			Second Quarter 2025 Earnings Release Presentation dated July 21, 2025

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