Terry Thomas S 4

What Happened
Terry Thomas S, Chief Credit Officer of UMB Financial Corp (UMBF), received a grant of 1,634 restricted stock units (RSUs) on 2026-02-09 (award code A). Prior to that, 152 shares were disposed on 2026-02-07 to satisfy tax or withholding obligations (code F) at $134.32 per share, totaling $20,417. The RSUs were granted at $0 exercise price (typical for RSU awards) and do not represent immediately vested, tradable shares.

Key Details

• Transaction dates: 2026-02-07 (152 shares withheld/disposed, code F) and 2026-02-09 (grant of 1,634 RSUs, code A).
• Withheld/disposed: 152 shares @ $134.32 = $20,417 (reported as tax/payment related).
• Awarded: 1,634 RSUs @ $0.00 (no cash paid by insider).
• Vesting schedule (footnote): 33% vest on Feb 9, 2027; 33% on Feb 9, 2028; 34% on Feb 9, 2029.
• Footnote: The withheld shares reflect dividends earned upon vesting of the underlying RSU.
• Filing: Form 4 filed with the SEC on 2026-02-10 (Period of Report listed as 2026-02-07).
• Shares owned after transaction: not specified in the provided filing details.

Context
This was primarily an equity award (RSUs) to an executive, with a routine tax/withholding disposition of a small number of shares. RSU grants are compensation and vest over time; they are not an outright purchase signal. The withholding (F code) is a standard administrative step to satisfy tax liabilities and does not necessarily indicate selling for investment reasons.