[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Elizabeth H. Connelly, a director of Wintrust Financial Corp (WTFC), reported receipt of 442 shares of Common Stock on 09/30/2025 as compensation for third-quarter 2025 director services under the companys Director's Deferred Fee and Stock Plan approved by shareholders. The reported transaction price per share is $123.98. Following the award, the reporting person beneficially owned 7,579 shares. The Form 4 was filed as a single-person report and signed on behalf of the reporting person by an attorney-in-fact.

Positive

• Recorded equity compensation: 442 shares awarded for Q3 2025 director services under the Director's Deferred Fee and Stock Plan.
• Clear post-transaction ownership: Reporting person beneficially owned 7,579 shares following the award.
• Transparent reporting: Transaction date (09/30/2025), price ($123.98), and plan source are explicitly stated.

Negative

• None.

Insights

Securities Analyst

TL;DR: Routine director equity compensation; small insider acquisition recorded, no financing or disposition.

This Form 4 documents a non-derivative award of 442 common shares to a director as part of standard quarterly director compensation under an established deferred fee and stock plan. The transaction is an acquisition (not a sale) recorded at $123.98 per share and increases the directors beneficial holdings to 7,579 shares. As a routine compensation disclosure, it does not indicate material changes to capital structure or related-party transactions beyond regular director pay.

Corporate Governance Expert

TL;DR: Typical shareholder-approved equity grant for director services, properly reported on Form 4.

The filing specifies the grant arises from the Director's Deferred Fee and Stock Plan that shareholders approved, and the reporting format follows Section 16 reporting requirements. The use of an attorney-in-fact signature is noted. The disclosure provides clear facts about the award, ownership level after the grant, and the transaction date, supporting transparency on director remuneration.

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).

1. Name and Address of Reporting Person^*

CONNELLY ELIZABETH H.

(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		442(1)	A	$123.98	7,579	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 Elizabeth H. Connelly report on WTFC Form 4?

The report discloses an acquisition of 442 shares of Wintrust Financial Corp common stock on 09/30/2025 as director compensation.

At what price were the 442 shares recorded on the Form 4?

The transaction lists a price of $123.98 per share.

Why were the shares granted to the reporting person?

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

How many Wintrust shares did the reporting person own after this transaction?

Following the reported transaction, the reporting person beneficially owned 7,579 shares.

Who signed the Form 4 filing for the reporting person?

The Form 4 was signed on behalf of the reporting person by Kathleen M. Boege, Attorney-in-fact, dated 09/30/2025.