[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) director Deborah L. Lefevre received 473 shares of common stock as director compensation for Q3 2025 under the Director's Deferred Fee and Stock Plan. The transaction, executed on 09/30/2025 at a reported price of $123.98 per share, increased her direct beneficial ownership to 15,333 shares. The Form 4 was filed individually and signed by an attorney-in-fact on behalf of the reporting person. The filing states the shares were earned for services as a director and were issued in accordance with the shareholder-approved deferred fee plan.

Insights

Financial Analyst

TL;DR: Routine director compensation issuance; modest change in insider holdings, no material market-moving impact indicated.

The filing documents a standard issuance of 473 common shares to a director under an established deferred fee and stock plan. The transaction price of $123.98 is provided as the reported price, and the director's post-transaction direct ownership is 15,333 shares. This appears to be non-discretionary compensation for board service rather than an open-market purchase or sale. Based solely on the form's contents, the item is a routine governance disclosure without indications of significant strategic change or material financial impact for investors.

Corporate Governance Expert

TL;DR: Compensation issuance aligns director pay with shareholder-approved plan; disclosure meets Section 16 reporting requirements.

The Form 4 explicitly states shares were earned for Q3 2025 director services under the Director's Deferred Fee and Stock Plan approved by shareholders, indicating adherence to an existing compensation framework. The report is filed as an individual Form 4 and signed via attorney-in-fact per the filing. There is no indication in the document of accelerated vesting, special awards, or departures from plan terms. From a governance perspective, this is consistent, routine disclosure of director equity compensation.

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^*

LEFEVRE DEBORAH L. HALL

(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		473(1)	A	$123.98	15,333	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 Deborah L. Lefevre report on WTFC Form 4?

The Form 4 reports receipt of 473 shares of Wintrust common stock on 09/30/2025 as director compensation.

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

The reported price on the Form 4 is $123.98 per share.

How many Wintrust shares does Deborah L. Lefevre beneficially own after the transaction?

Following the reported transaction, she beneficially owns 15,333 shares (direct ownership).

Under what plan were the shares issued to the director?

The shares were earned under the Director's Deferred Fee and Stock Plan approved by the company's shareholders.

Was the Form 4 filed individually or jointly for this WTFC reporting?

The Form 4 was filed by one reporting person (individual filing).