WTFC insider Form 4 shows gifted shares at $0 price

Rhea-AI Filing Summary

Wintrust Financial (WTFC) reported insider transactions by a company officer (Vice Chair, Chief Lending Officer). The filing shows two bona fide gifts of common stock: 475 shares on 10/29/2025 and 114 shares on 10/30/2025, each at a reported price of $0. Following these transactions, direct beneficial ownership stood at 41,173 shares after the first gift and 41,059 shares after the second.

The transactions are coded “G,” indicating gifts, and are reported as Direct (D) ownership. This Form 4 reflects personal share transfers and does not indicate any company-level financing or operational change.

Insider Trade Summary

589 shares gifted

Mixed 2 txns

Insider MURPHY RICHARD B

Role VICE CHAIR,CHIEF LENDING OFC

Type	Security	Shares	Price	Value
Gift	Common Stock	114	$0.00	--
Gift	Common Stock	475	$0.00	--

Holdings After Transaction: Common Stock — 41,059 shares (Direct)

Footnotes (1)

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^*

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)
10/29/2025

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	10/29/2025		G		475	D	$0	41,173	D
Common Stock	10/30/2025		G		114	D	$0	41,059	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/Kathleen M. Boege, Attorney-in-fact	10/30/2025
	** 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 did Wintrust Financial (WTFC) disclose in this Form 4?

Two insider transactions coded “G” for gifts: 475 shares on 10/29/2025 and 114 shares on 10/30/2025, both at a reported price of $0.

How many WTFC shares were gifted and on which dates?

475 shares were gifted on 10/29/2025 and 114 shares were gifted on 10/30/2025.

What is the insider’s resulting direct ownership after these transactions?

Direct beneficial ownership was 41,173 shares after the first gift and 41,059 shares after the second.

What does transaction code “G” mean in this context?

Code “G” denotes a bona fide gift of the security.

What is the officer’s role at Wintrust Financial (WTFC)?

The reporting person is listed as Vice Chair, Chief Lending Officer.

Were these holdings reported as direct or indirect?

They were reported as Direct (D) ownership.