[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Wintrust Financial Corp. President and CEO Timothy Crane reported an award of 32,222 shares of common stock on January 22, 2026, at a price of $152.21 per share. After this grant, he beneficially owns 108,484 shares of Wintrust common stock in total.

The reported holdings include 13,024 restricted stock units granted under the company’s 2025 Stock Incentive Plan, which each convert into one share of common stock and vest on the third anniversary of the grant date. They also include 19,198 shares awarded upon attainment of performance objectives under Wintrust’s Long Term Incentive Program.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider CRANE TIMOTHY

Role PRESIDENT & CEO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	32,222	$152.21	$4.90M

Holdings After Transaction: Common Stock — 108,484 shares (Direct)

Footnotes (1)

1. Includes 13,024 Restricted Stock Units awarded under the Company's 2025 Stock Incentive Plan. Each restricted stock unit represents a contingent right to receive one share of the Company common stock and vest on the third anniversary of the date of grant. Includes 19,198 shares of stock awarded upon attainment of performance objectives under the Company's Long Term Incentive Program.

Form 4 Insider Transactions: What Each Field Means →

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^*

CRANE TIMOTHY

(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
X	Officer (give title below)		Other (specify below)
	PRESIDENT & CEO

3. Date of Earliest Transaction (Month/Day/Year)
01/22/2026

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	01/22/2026		A		32,222(1)(2)	A	$152.21	108,484	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. Includes 13,024 Restricted Stock Units awarded under the Company's 2025 Stock Incentive Plan. Each restricted stock unit represents a contingent right to receive one share of the Company common stock and vest on the third anniversary of the date of grant.

2. Includes 19,198 shares of stock awarded upon attainment of performance objectives under the Company's Long Term Incentive Program.

Remarks:

	/s/Kathleen M. Boege, Attorney-in-fact	01/26/2026
	** 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 President & CEO Timothy Crane report?

Timothy Crane reported an acquisition of 32,222 shares of Wintrust Financial Corp. common stock on January 22, 2026, at a price of $152.21 per share.

How many WTFC shares does Timothy Crane own after this transaction?

Following the reported award, Timothy Crane beneficially owns 108,484 shares of Wintrust Financial Corp. common stock.

What restricted stock units are included in Timothy Crane’s WTFC holdings?

His reported holdings include 13,024 restricted stock units granted under the company’s 2025 Stock Incentive Plan, each representing one share of common stock that vests on the third anniversary of the grant date.

What performance-based WTFC shares are included in the Form 4 filing?

The filing states that 19,198 shares were awarded to Timothy Crane upon attainment of performance objectives under Wintrust’s Long Term Incentive Program.

Is Timothy Crane’s ownership in WTFC reported as direct or indirect?

The 32,222 shares reported in this transaction are shown as directly owned, with total beneficial ownership of 108,484 shares classified as direct in the filing.