[8-K] WINTRUST FINANCIAL CORP Reports Material Event

Rhea-AI Filing Summary

Wintrust Financial Corporation furnished an update on operations by announcing its third quarter 2025 earnings and making related materials available. The company posted a press release and an earnings presentation on its website, which are attached as Exhibit 99.1 and Exhibit 99.2.

The information was provided under Item 2.02 and is being furnished and not deemed filed under the Securities Exchange Act of 1934. The materials include supplemental details on non-GAAP financial measures, with references noted within the exhibits.

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UNITED STATES

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

Date of Report (Date of earliest event reported): October 20, 2025

WINTRUST FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Illinois

001-35077

36-3873352

(State or other jurisdiction of Incorporation)

(Commission File Number)

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

9700 W. Higgins Road, Suite 800

Rosemont

Illinois

60018

(Address of principal executive offices)

(Zip Code)

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

Not Applicable

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

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))

Title of Each Class			Ticker Symbol			Name of Each Exchange on Which Registered
Common Stock, no par value			WTFC			The Nasdaq Global Select Market
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 2.02. Results of Operations and Financial Condition

The information in this Current Report is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.

On October 20, 2025, Wintrust Financial Corporation (the “Company”) announced earnings for the third quarter of 2025 and posted on its website the Third Quarter 2025 Earnings Release Presentation. Copies of the press release relating to the Company’s earnings results and the related presentation are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively. Certain supplemental information relating to non-GAAP financial measures reported in the attached press release and presentation is included on pages 33 through 35 of Exhibit 99.1 and pages 30 through 32 of Exhibit 99.2.

Item 9.01. Financial Statements and Exhibits

(d) Exhibits

Exhibit
99.1			Third Quarter 2025 Earnings Release dated October 20, 2025
99.2			Third Quarter 2025 Earnings Release Presentation dated October 20, 2025

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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/ David L. Stoehr
						David L. Stoehr Executive Vice President and     Chief Financial Officer

Date: October 20, 2025

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INDEX TO EXHIBITS

Exhibit
99.1			Third Quarter 2025 Earnings Release dated October 20, 2025
99.2			Third Quarter 2025 Earnings Release Presentation dated October 20, 2025

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FAQ

What did WTFC announce in this 8-K?

Wintrust announced its third quarter 2025 earnings and provided an earnings press release and presentation.

Which exhibits contain the earnings materials for WTFC?

The materials are attached as Exhibit 99.1 (press release) and Exhibit 99.2 (presentation).

Is the WTFC Q3 2025 earnings information considered filed?

No. The information is being furnished and not deemed filed under the Exchange Act.

Where can I find non-GAAP information for WTFC’s Q3 2025?

Supplemental non-GAAP details are included within Exhibit 99.1 and Exhibit 99.2 as referenced in the materials.

What is the date of the WTFC earnings announcement?

The company announced earnings on October 20, 2025.

What securities does WTFC list on Nasdaq in this filing?

The filing lists WTFC (common stock) and WTFCN (depositary shares of Series F preferred).