Wintrust Financial Corp

Earnings per diluted common share of $2.78 in the third quarter of 2025 was impacted by one-time recognition of prior issuance costs related to Preferred Stock Series D and Preferred Stock Series E ($14.0 million, or $0.21 per diluted common share) as well as the excess dividend amount related to one-time extended first dividend period on Preferred Stock Series F ($4.9 million, or $0.07 per diluted common share).

SEC original ↗Wintrust Financial Corp — Earnings release (8-K exhibit)EX-99Oct 20, 2025

government shutdown, debt default or rating downgrade, particularly in the markets in which it operates; negative effects suffered by us or our customers resulting from changes in U.

SEC original ↗Wintrust Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

The one-time impact of prior issuance costs was $0.21 per diluted common share, and the impact of excess dividend on Series F was $0.07 per diluted common share.

SEC original ↗Wintrust Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

We anticipate that a relatively stable net interest margin and continued balance sheet growth will contribute to net interest income expansion in the fourth quarter.

SEC original ↗Wintrust Financial Corp — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Building on the strong loan growth achieved in the third quarter, we are well positioned to sustain momentum and deliver continued revenue expansion as we close out 2025.

SEC original ↗Wintrust Financial Corp — Earnings release (8-K exhibit)EX-99Oct 20, 2025

We remain focused on delivering our differentiated customer experience to drive better results for our customers and value for our shareholders.

SEC original ↗Wintrust Financial Corp — Earnings release (8-K exhibit)EX-99Oct 20, 2025

20 TABLE 8 INTEREST RATE SENSITIVITY As an ongoing part of its financial strategy, the Company attempts to manage the impact of fluctuations in market interest rates on net interest income.

SEC original ↗Wintrust Financial Corp — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Actual results may differ from these simulated results due to timing, magnitude, and frequency of interest rate changes as well as changes in market conditions and management strategies.

SEC original ↗Wintrust Financial Corp — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Similarly, these statements are not guarantees of future performance and involve certain risks and uncertainties that are difficult to predict, and which may include, but are not limited to, those listed below and the Risk Factors discussed under Item 1A of the Company s 2024 Annual Report on Form 10-K and in any of the Company s subsequent SEC filings.

SEC original ↗Wintrust Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

Actual results could differ materially from those addressed in the forward- looking statements as a result of numerous factors, including the following: economic conditions and events that affect the economy, housing prices, the job market and other factors that may adversely affect the Company s liquidity and the performance of its loan portfolios, including an actual or threatened U.

SEC original ↗Wintrust Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025