[Form 4] Wintrust Financial Corp Insider Trading Activity

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) insider transaction summary: David A. Dykstra, Vice Chairman and COO, reported an acquisition of 162 shares of Wintrust common stock on 08/21/2025 at an indicated price of $128.71 per share. The filing states these shares were dividends awarded in shares pursuant to previously granted restricted stock units. After the transaction, Mr. Dykstra beneficially owned 182,370 shares. The Form 4 was signed by an attorney-in-fact on 08/22/2025. No options, conversions, or other derivative transactions were reported in this filing.

Positive

• Transparency maintained: Timely Form 4 filed and signed by attorney-in-fact, disclosing the transaction details
• Increased insider alignment: Officer's beneficial ownership rose to 182,370 shares through RSU dividend shares

Negative

• No material negative events disclosed in this Form 4

Insights

Corporate Governance Expert

TL;DR: Insider received dividend shares via restricted stock units, modestly increasing beneficial ownership; disclosure is routine and non-dilutive to investors.

The reported acquisition of 162 shares via dividend issuance under previously granted restricted stock units reflects routine compensation mechanics rather than an open-market purchase. The transaction increases the reporting officer's beneficial stake to 182,370 shares, which should be evaluated relative to total outstanding shares for materiality. The filing contains no sales, option exercises, or derivative activity, and it plainly identifies the nature of the award. From a governance perspective, timely Section 16 reporting was completed by attorney-in-fact.

Securities Analyst

TL;DR: Small, non-cash share award; unlikely to move markets or change control dynamics.

The acquisition code and accompanying explanation indicate these 162 shares were delivered as dividend-equivalent shares tied to restricted stock units, not as a purchase. The disclosed price of $128.71 appears as a reporting convention for the issuance; it does not represent an open-market trade. No derivatives or dispositions are present in the filing, limiting immediate liquidity or market-impact concerns. Overall, the transaction is routine compensation-related activity with negligible direct financial impact on WTFC's capital structure.

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
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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^*

DYKSTRA DAVID A

(Last) (First) (Middle)

9700 WEST 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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	VICE CHAIRMAN AND COO

3. Date of Earliest Transaction (Month/Day/Year)
08/21/2025

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	08/21/2025		A		162(1)	A	$128.71	182,370	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. Dividends awarded in shares pursuant to the terms of previously granted restricted stock units.

Remarks:

	/s/Kathleen M. Boege, Attorney-in-fact	08/22/2025
	** 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 insider David A. Dykstra report on Form 4?

The filing reports an acquisition of 162 shares of Wintrust common stock on 08/21/2025, awarded as dividend shares under previously granted restricted stock units.

How many Wintrust shares does David A. Dykstra beneficially own after the transaction?

He beneficially owned 182,370 shares following the reported acquisition.

Was the transaction an open-market purchase or a compensation award?

The filing explains the shares were dividends awarded in shares pursuant to previously granted restricted stock units, indicating a compensation-related issuance, not an open-market trade.

What price is reported for the share issuance?

The Form 4 shows a reported price of $128.71 for the 162 shares, as noted in the transaction line.

Were any derivative securities reported in this Form 4?

No. Table II shows no derivative securities acquired, disposed of, or beneficially owned in this filing.