[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) director Suzet M. McKinney received 378 shares as deferred compensation for third-quarter 2025 director services under the Director's Deferred Fee and Stock Plan. The Form 4 shows the transaction date of 09/30/2025, transaction code A (acquisition), and a reported price per share of $123.98. Following the award, McKinney beneficially owns 3,032 shares directly. The filing was individually reported and signed by an attorney-in-fact on the reporting date.

Positive

• 378 shares awarded to the director as compensation under the Director's Deferred Fee and Stock Plan
• Form 4 filed individually and signed by attorney-in-fact, meeting Section 16 reporting requirements

Negative

• None.

Insights

Financial Analyst

TL;DR Director compensation consisted of an equity award of 378 shares on 09/30/2025; ownership is modest relative to institutional sizes.

The Form 4 discloses a routine, non-derivative acquisition of 378 common shares under the company's director deferred fee plan, priced at $123.98 per share. This reflects director pay settled in stock rather than cash for the third quarter of 2025. The reported direct beneficial ownership after the award is 3,032 shares. The disclosure is straightforward and does not indicate any sales or other transactions that would materially change ownership concentration.

Corporate Governance Expert

TL;DR Routine director equity grant under an approved plan; disclosure aligns with Section 16 reporting requirements.

The filing documents a standard grant for services rendered as a director under the shareholder-approved Director's Deferred Fee and Stock Plan. It is dated 09/30/2025 and was individually filed by the reporting person. The signature by an attorney-in-fact completes the required reporting formalities. There are no indications of related-party transactions beyond the ordinary course director compensation disclosed here.

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).

1. Name and Address of Reporting Person^*

MCKINNEY SUZET M

(Last) (First) (Middle)

9700 W. HIGGINS ROAD, 8TH FLOOR

(Street)

ROSEMONT 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)

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

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2025

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	09/30/2025		A		378(1)	A	$123.98	3,032	D

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 earned for the third quarter of 2025 for services as a Director of the Company in accordance with the Director's Deferred Fee and Stock Plan approved by the Shareholders.

Remarks:

	/s/Kathleen M. Boege, Attorney-in-fact	09/30/2025
	** 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 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

What did WTFC director Suzet M. McKinney report on Form 4?

She reported the acquisition of 378 shares of Wintrust Financial Corp common stock as director compensation on 09/30/2025.

How many Wintrust (WTFC) shares does Suzet M. McKinney own after the transaction?

3,032 shares beneficially owned following the reported transaction.

What was the reported price per share for the WTFC grant?

$123.98 per share is shown on the Form 4 for the acquisition.

Under what plan were the shares for WTFC director compensation granted?

The Director's Deferred Fee and Stock Plan approved by the shareholders; the shares were earned for Q3 2025 services.

When was the Form 4 transaction dated and filed?

Transaction date 09/30/2025; the form bears a signature dated 09/30/2025 by an attorney-in-fact.