[Form 3] WINTRUST FINANCIAL CORP Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) reported an initial insider ownership filing showing David S. Richter as a director holding 466 shares of common stock. The Form 3 records the transaction date as 10/01/2025 and indicates the filing was signed by an attorney-in-fact on 10/10/2025. The ownership is listed as direct, and no derivative securities or additional holdings are reported. This filing establishes the reporting obligation and discloses a small, direct equity stake by a company director.

Positive

• Director ownership disclosed: 466 shares held directly by David S. Richter, aligning management with shareholders
• Timely formal disclosure: Initial Form 3 filed and signed, meeting Section 16 filing requirements

Negative

• None.

Insights

Corporate Governance Analyst

Director Richter files a routine Form 3 disclosing a small direct stake of 466 shares.

The filing documents that David S. Richter is a director of Wintrust Financial Corp and beneficially owns 466 shares of common stock, reported with an event date of 10/01/2025. The ownership is recorded as direct and no derivative holdings are listed, which keeps disclosures straightforward.

This is a standard initial disclosure to satisfy Section 16 reporting; the primary dependency is timely public reporting for compliance. Investors monitor such filings for insider alignment and potential subsequent trades, but this single small holding is unlikely to change governance dynamics in the near term.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

RICHTER DAVID S

(Last) (First) (Middle)

9700 WEST HIGGINS ROAD, 8TH FLOOR

(Street)

ROSEMONT IL 60018

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
10/01/2025

3. Issuer Name and Ticker or Trading Symbol
WINTRUST FINANCIAL CORP [ WTFC ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	466	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

Exhibit 24.1 Power of Attorney

	/s/Kathleen M. Boege, Attorney-in-fact	10/10/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Wintrust (WTFC) disclose in the Form 3 filed by David S. Richter?

The Form 3 shows David S. Richter as a director holding 466 shares of common stock, reported with an event date of 10/01/2025 and signed on 10/10/2025.

Does the Form 3 report any options or derivative securities for WTFC?

No. Table II for derivative securities shows no derivative holdings reported for the reporting person.

Is the reported ownership direct or indirect for the WTFC filing?

The filing lists the ownership form as direct for the 466 shares reported.

Does this Form 3 indicate a change in control or large ownership stake in Wintrust (WTFC)?

No. The disclosed holding of 466 shares is a small direct stake and does not indicate a change in control or a large ownership position.