[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) director Patrick H. Hackett Jr. reported an acquisition of common stock dated 09/30/2025. The Form 4 shows an acquisition of 47,330 shares of common stock, with a per-share value recorded as $123.98. Following the reported transaction, 47,330 shares are listed as beneficially owned in a direct ownership form. The filing explains these shares were earned for the third quarter of 2025 as director compensation under the company’s Director's Deferred Fee and Stock Plan. The Form 4 is signed by an attorney-in-fact on behalf of the reporting person.

Insights

Financial Analyst

TL;DR: Routine director equity compensation; modest, non-dilutive acquisition recorded as earned fees.

This Form 4 documents a standard equity-based compensation event where a director received 47,330 common shares as deferred fees for Q3 2025. Such transactions typically reflect non-cash compensation rather than open-market purchases, so immediate cash flow or balance-sheet impacts on the issuer are minimal. For investors, the report shows insider receipt of equity, which modestly increases insider holdings but does not indicate a change in control or material operational development.

Corporate Governance Expert

TL;DR: Disclosure aligns with standard governance practices for director deferred fee plans.

The filing states the shares were granted under the Director's Deferred Fee and Stock Plan and reported with required Section 16 disclosure. The direct beneficial ownership is recorded and the Form 4 is properly executed by an attorney-in-fact. This is a routine compliance disclosure showing compensation delivery; it does not reveal any unusual governance actions or departures from typical director compensation arrangements.

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

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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^*

HACKETT H PATRICK JR

(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)

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		13(1)	A	$123.98	47,330	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

Who filed the Form 4 for WTFC?

The reporting person is Patrick H. Hackett Jr., identified as a Director of Wintrust Financial Corp.

What transaction is reported on the WTFC Form 4 dated 09/30/2025?

An acquisition of 47,330 shares of Wintrust common stock was reported with a per-share value recorded as $123.98.

Why were the 47,330 WTFC shares acquired?

The filing states the shares were earned for the third quarter of 2025 for services as a director under the Director's Deferred Fee and Stock Plan.

What ownership does the reporting person hold after the transaction?

The Form 4 lists 47,330 shares beneficially owned following the reported transaction, held in a direct form.

When was the Form 4 signed and by whom?

The filing is signed by Kathleen M. Boege, Attorney-in-fact on 09/30/2025.