WTFC insider updates ESPP common stock holdings in Form 4 filing

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) senior vice president and chief risk officer reported a change in indirect ownership of company common stock. On 11/04/2025, a Form 4 transaction with code G showed the disposition of 717 shares of common stock at a price of $0 through an Employee Stock Purchase Plan. Following this transaction, the reporting person indirectly beneficially owned 1 share of common stock through the plan, compared with 718 shares previously held in that account.

Insider Trade Summary

717 shares gifted

Mixed 2 txns

Insider LENTINO JAMES V

Role SVP and Chief Risk Officer

Type	Security	Shares	Price	Value
Gift	Common Stock	717	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 1 shares (Indirect, by ESPP)

Footnotes (1)

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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^*

LENTINO JAMES V

(Last) (First) (Middle)

9700 WEST HIGGINS ROAD, 8TH FLOOR

(Street)

ROSEMENT 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)
	SVP and Chief Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/04/2025

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								718(1)	I	by ESPP
Common Stock	11/04/2025		G		717	D	$0	1	I	by ESPP

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 shares purchased by reporting person in the Company's Employee Stock Purchase Plan.

Remarks:

	/s/Kathleen M. Boege, Attorney-in-fact	11/21/2025
	** 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 insider transaction did WTFC report in this Form 4?

The Form 4 reports that Wintrust Financial Corp's SVP and Chief Risk Officer had a transaction in company common stock on 11/04/2025 involving shares held through an Employee Stock Purchase Plan.

How many WTFC shares were disposed of in the reported transaction?

The transaction shows that 717 shares of Wintrust Financial Corp common stock were disposed of at a price of $0 under transaction code G.

How many WTFC shares does the reporting person own after this Form 4 transaction?

After the reported transaction, the officer indirectly beneficially owned 1 share of Wintrust Financial Corp common stock through the Employee Stock Purchase Plan.

What was the initial indirect holding before the WTFC Form 4 transaction?

The filing indicates that the indirect Employee Stock Purchase Plan account reflected 718 shares of Wintrust Financial Corp common stock before the reported disposition.

What is the reporting person’s relationship to Wintrust Financial Corp (WTFC)?

The reporting person is identified as an officer of Wintrust Financial Corp, serving as SVP and Chief Risk Officer.

How are the shares in the WTFC Form 4 held by the insider?

The Form 4 states that the common stock is held indirectly, noted as "by ESPP", referring to the company's Employee Stock Purchase Plan.