Wintrust Financial (WTFC) SVP awarded 436 restricted stock units

Rhea-AI Filing Summary

Wintrust Financial Corp's SVP and Chief Risk Officer, James V. Lentino, reported an equity award of common stock on 01/22/2026. He was granted 436 restricted stock units under the company's 2025 Stock Incentive Plan at a reference price of $152.21 per share. Each unit represents a contingent right to receive one share of common stock and will vest on the third anniversary of the grant date, aligning his compensation with long-term company performance.

After this award, Lentino beneficially owns 436 shares directly and 12 shares indirectly through the Employee Stock Purchase Plan, which includes 11 shares purchased during 2025.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LENTINO JAMES V

(Last) (First) (Middle)

9700 WEST HIGGINS ROAD, 8TH FLOOR

(Street)

ROSEMENT IL 60018

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP and Chief Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
01/22/2026

4. 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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/22/2026		A		436(1)	A	$152.21	436	D
Common Stock								12(2)	I	by ESPP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares are Restricted Stock Units awarded under the Company's 2025 Stock Incentive Plan. Each restricted stock unit represents a contingent right to receive one share of the Company common stock and vest on the third anniversary of the date of grant.

2. Includes 11 shares purchased by reporting person during 2025 in the Company's Employee Stock Purchase Plan.

Remarks:

	/s/Kathleen M. Boege, Attorney-in-fact	01/26/2026
	** 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 4 (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

Who is the insider in Wintrust Financial Corp (WTFC) mentioned in this filing?

The insider is James V. Lentino, who serves as SVP and Chief Risk Officer of Wintrust Financial Corp.

What equity award did James V. Lentino receive from WTFC?

James V. Lentino received 436 restricted stock units, each representing a contingent right to receive one share of Wintrust Financial Corp common stock.

When do the restricted stock units granted to the WTFC executive vest?

The restricted stock units vest on the third anniversary of the 01/22/2026 grant date, subject to the terms of the 2025 Stock Incentive Plan.

What was the reference price for the 436 Wintrust shares underlying the award?

The 436 restricted stock units were reported with a reference price of $152.21 per share for Wintrust Financial Corp common stock.

How many Wintrust Financial Corp shares does James V. Lentino own after this transaction?

Following the reported transaction, James V. Lentino beneficially owns 436 shares directly and 12 shares indirectly through the Employee Stock Purchase Plan.

What does the ESPP holding in the WTFC filing represent?

The indirect holding of 12 shares by ESPP includes 11 shares purchased during 2025 in Wintrust Financial Corp's Employee Stock Purchase Plan.

Under which plan were the restricted stock units for WTFC’s executive granted?

The restricted stock units were awarded under Wintrust Financial Corp's 2025 Stock Incentive Plan.