[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) director Alex E. Washington III received 472 shares as deferred compensation for third-quarter 2025 director fees under the company's Director's Deferred Fee and Stock Plan. The transaction was an acquisition on 09/30/2025 at an implied price of $123.98 per share.

Following the award, Mr. Washington beneficially owned 19,435 shares in a direct capacity. The filing was executed by an attorney-in-fact and reports routine director compensation settled in common stock rather than cash.

Positive

• Director compensation paid in stock aligns executive interests with shareholders
• Clear disclosure of shares received, price, and resulting beneficial ownership

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director stock award reflects routine deferred compensation, aligning pay with shareholder interests without indicating material ownership change.

The 472-share award under the Director's Deferred Fee and Stock Plan is a standard non-cash compensation mechanism to align directors with shareholder outcomes. At $123.98 per share, the grant value is modest relative to institutional holdings and does not materially change director influence. The report confirms direct ownership of 19,435 shares, which should be viewed as routine governance practice rather than a signal of strategic change.

Securities Analyst

TL;DR: Small, routine share acquisition via compensation; immaterial to company capitalization or liquidity.

From a market-impact perspective, a 472-share issuance is immaterial relative to a publicly traded bank holding company's outstanding float. The transaction is recorded at $123.98 per share, but this Form 4 reports a compensation issuance rather than an open-market trade. Investors should note this as a governance alignment item, not a value-creating corporate action.

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

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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^*

WASHINGTON ALEX E III

(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		472(1)	A	$123.98	19,435	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 WTFC director Alex E. Washington III report on Form 4?

He reported an acquisition of 472 shares on 09/30/2025 as director compensation under the Director's Deferred Fee and Stock Plan.

At what price were the WTFC shares recorded on the Form 4?

The shares are recorded at an implied price of $123.98 per share.

How many WTFC shares does Alex E. Washington III beneficially own after the transaction?

After the reported transaction he beneficially owned 19,435 shares in a direct capacity.

Was this Form 4 filing an amendment or an initial report?

The filing indicates a transaction date of 09/30/2025 and does not show an amendment date, implying it is the original report of the transaction.

What was the reason for the share award reported on the WTFC Form 4?

The shares were earned for services as a Director for Q3 2025 under the Director's Deferred Fee and Stock Plan approved by shareholders.