Terry Thomas S 4

What Happened

• Terry Thomas, Chief Credit Officer of UMB Financial Corp (UMBF), had 89 shares disposed on Feb 10, 2026 to satisfy tax withholding obligations. The shares were valued at $132.87 each, for a total of approximately $11,825.
• This transaction is a tax-withholding disposition tied to vested restricted stock units (RSUs), not an open-market sale or new purchase; such withholdings are routine and reflect payroll/tax settlement.

Key Details

• Transaction date: 2026-02-10
• Transaction type/code: Tax withholding to satisfy tax liability (code F)
• Shares withheld/disposed: 89 shares at $132.87 per share — total ~$11,825
• Shares owned after transaction: Not disclosed in the provided filing summary
• Footnote: F1 — Reflects dividends earned upon vesting of the underlying restricted stock unit
• Filing date: Form 4 filed 2026-02-12 for the Feb 10 transaction (filed within the typical 2-business-day window)

Context

• This was a withholding of shares to cover taxes on vested RSUs, not a discretionary sale for cash; these transactions are common after vesting and don't necessarily indicate the insider's view on the stock.
• For retail investors, purchases or open-market sales by insiders generally carry more interpretive weight than routine tax withholdings.