Terry Thomas S 4

What Happened
Terry Thomas S, Chief Credit Officer of UMB Financial Corp (UMBF), had 57 shares withheld to satisfy tax obligations related to the vesting of restricted stock units. The shares were valued at $132.16 each, totaling $7,533. This was a tax-withholding disposition (routine), not an open-market sale.

Key Details

• Transaction date: 2026-02-11
• Price per share: $132.16; total value: $7,533 (57 shares)
• Transaction code: F (payment of exercise price or tax liability — shares withheld to cover taxes)
• Footnote: Reflects dividends earned upon vesting of the underlying restricted stock unit.
• Shares owned after transaction: not specified in the provided filing.
• Filing date: 2026-02-13 — filed within the typical two-business-day Form 4 window (timely).

Context
This was a withholding to meet tax obligations on RSU vesting, a common administrative action that does not necessarily indicate the insider is selling additional shares or signaling a change in sentiment. For derivative-related filings like this, the key point is that shares were surrendered to cover taxes/dividends rather than sold on the open market.