Wintrust Financial (WTFC) vice chair reports tax-withholding stock disposition

Rhea-AI Filing Summary

Wintrust Financial Corp

On February 25, 2026, 3,166 shares were disposed of at an implied price of $149.83 per share to satisfy tax obligations by delivering shares, rather than through an open‑market sale. After this tax‑withholding disposition, Murphy directly owned 42,883 shares of Wintrust common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider MURPHY RICHARD B

Role VICE CHAIR,CHIEF LENDING OFC

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	3,166	$149.83	$474K

Holdings After Transaction: Common Stock — 42,883 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

02/27/2026 - 04:09 PM

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).

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^*

MURPHY RICHARD B

(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 CHAIR,CHIEF LENDING OFC

3. Date of Earliest Transaction (Month/Day/Year)
02/25/2026

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	02/25/2026		F		3,166	D	$149.83	42,883	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:

Remarks:

	/s/David A. Dykstra, Attorney-in-fact	02/27/2026
	** 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 insider transaction did WTFC officer Richard B. Murphy report?

Richard B. Murphy reported a tax-related share disposition, not an open-market sale. On February 25, 2026, 3,166 shares of Wintrust Financial common stock were delivered to cover tax obligations, using shares instead of cash, as reflected in his Form 4 filing.

How many WTFC shares did Richard B. Murphy dispose of for taxes?

Richard B. Murphy disposed of 3,166 shares of Wintrust Financial common stock. The transaction was coded as a tax-withholding disposition, meaning shares were delivered to satisfy tax liabilities associated with equity compensation, rather than being sold on the open market for investment purposes.

At what price were Richard B. Murphy’s WTFC shares valued in the Form 4?

The Form 4 lists an implied transaction price of $149.83 per share for the 3,166 Wintrust Financial common shares. This figure is used to calculate the value of stock delivered to satisfy tax obligations, not as a traditional open-market sale price.

How many WTFC shares does Richard B. Murphy own after this transaction?

After the February 25, 2026 tax-withholding disposition, Richard B. Murphy directly owned 42,883 shares of Wintrust Financial common stock. This post-transaction balance reflects the shares remaining in his direct ownership following delivery of 3,166 shares to cover tax obligations.

Is Richard B. Murphy’s WTFC Form 4 transaction a buy or a sell?

The filing shows a disposition for tax withholding, not a normal buy or sell. Code “F” indicates shares were delivered to pay an exercise price or tax liability related to equity compensation, so it is not an open-market sale or purchase of Wintrust stock.

What role does Richard B. Murphy hold at Wintrust Financial Corp (WTFC)?

Richard B. Murphy serves as Vice Chair and Chief Lending Officer at Wintrust Financial Corp. His Form 4 filing reflects a tax-withholding share disposition as an executive officer, detailing how equity-related tax obligations were satisfied using company stock rather than cash payment.