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    Wintrust Financial Corporation filed SEC Form 8-K: Results of Operations and Financial Condition, Financial Statements and Exhibits

    7/21/25 4:45:13 PM ET
    $WTFC
    Major Banks
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    Get the next $WTFC alert in real time by email
    wtfc-20250721
    0001015328false00010153282025-07-212025-07-210001015328us-gaap:CommonStockMember2025-07-212025-07-210001015328us-gaap:SeriesDPreferredStockMember2025-07-212025-07-210001015328wtfc:DepositarySharesSeriesEPreferredStockMember2025-07-212025-07-210001015328wtfc:DepositorySharesSeriesFPreferredStockMember2025-07-212025-07-21

    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): July 21, 2025
     
    WINTRUST FINANCIAL CORPORATION
    (Exact name of registrant as specified in its charter)
     
    Illinois001-35077 36-3873352
    (State or other jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer
    Identification No.)
    9700 W. Higgins Road, Suite 800
    RosemontIllinois 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 SymbolName of Each Exchange on Which Registered
    Common Stock, no par value WTFCThe Nasdaq Global Select Market
    Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par valueWTFCMThe Nasdaq Global Select Market
    Depositary Shares, Each Representing a 1/1,000th Interest in a Share of
    WTFCPThe 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
    WTFCNThe 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 July 21, 2025, Wintrust Financial Corporation (the “Company”) announced earnings for the second quarter of 2025 and posted on its website the Second 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 34 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
    Second Quarter 2025 Earnings Release dated July 21, 2025
    99.2
    Second Quarter 2025 Earnings Release Presentation dated July 21, 2025
    2


    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: July 21, 2025
    3


    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

    4
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