Terry Thomas S 4

What Happened
Terry Thomas, Chief Credit Officer of UMB Financial Corp. (UMBF), disposed of 145 shares on 2026-02-09 as a payment of tax liability (transaction code F). The shares were valued at $134.29 each for a total withholding value of approximately $19,472. This disposition reflects tax withholding related to vested restricted stock units (RSUs), not an open-market sale for cash.

Key Details

• Transaction date and price: 2026-02-09 — 145 shares at $134.29 per share (total ~ $19,472).
• Transaction type/code: F — Payment of exercise price or tax liability (tax withholding on RSU vesting).
• Shares owned after transaction: Not specified in this Form 4.
• Footnotes: F1 — reflects dividends earned upon vesting of the underlying restricted stock unit; F2 — reflects ESOP allocations and dispositions since last ownership report.
• Filing timeliness: Report filed 2026-02-11 (timely; within the Form 4 reporting window).

Context
When RSUs vest, companies commonly withhold a portion of the awarded shares to cover tax liabilities; those withheld shares are recorded as "disposed" on Form 4 but are routine and do not necessarily reflect the insider selling stock on the open market or a change in sentiment. This filing documents that routine tax withholding related to RSU vesting.