[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Peter D. Crist, a director of Wintrust Financial Corp (WTFC), received 727 shares of Common Stock on 09/30/2025 as compensation for third-quarter 2025 director services under the Director's Deferred Fee and Stock Plan approved by shareholders. The transaction was recorded at a price of $123.98 per share, and following the award Mr. Crist beneficially owned 73,529 shares. The Form 4 was filed individually and signed by an attorney-in-fact on behalf of the reporting person.

Positive

• Transparency: The Form 4 discloses the director stock award with date, price ($123.98), and resulting ownership (73,529 shares).
• Plan-based compensation: The shares were issued under the shareholder-approved Director's Deferred Fee and Stock Plan as stated.

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Routine director equity award recorded on Form 4; reflects standard deferred compensation under an approved plan.

The filing documents a customary award of 727 common shares to a director for services in Q3 2025 under the company's shareholder-approved Director's Deferred Fee and Stock Plan. The report specifies the execution date and price per share ($123.98) and shows the director's post-transaction beneficial ownership (73,529 shares). This type of disclosure is procedural and required under Section 16; it provides transparency on insider compensation but contains no new operational or financial data about the company.

Securities Reporting Analyst

TL;DR: Form 4 correctly discloses a non-derivative award and updates beneficial ownership; filing appears complete and routine.

The statement of changes in beneficial ownership lists a single non-derivative acquisition (code A) of 727 shares on 09/30/2025, with the acquisition described as director fees earned under the deferred fee plan. The form identifies the reporting person, relationship (director), filing type (single reporting person), and includes a signature by an attorney-in-fact. For investors and compliance reviewers, the disclosure meets Section 16 reporting expectations and supplies explicit transaction details including price and resulting share count.

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^*

CRIST PETER D

(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		727(1)	A	$123.98	73,529	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 transaction did Peter D. Crist report on the WTFC Form 4?

He acquired 727 shares of Common Stock on 09/30/2025 as director compensation under the Director's Deferred Fee and Stock Plan.

At what price were the shares reported on the Form 4 for WTFC?

The reported price was $123.98 per share.

How many WTFC shares does Peter D. Crist beneficially own after the reported transaction?

He beneficially owned 73,529 shares following the reported acquisition.

Under what authority were the shares earned according to the Form 4?

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

Who signed the Form 4 filing on behalf of the reporting person?

The form was signed by Kathleen M. Boege, Attorney-in-fact, dated 09/30/2025.