Kristufek Niamh M. 4

What Happened

• Niamh M. Kristufek, President — Specialty Finance at First Business Financial Services, was granted 660 shares on 2026-02-16 (transaction code A, award/grant). To satisfy tax withholding (transaction code F), 254 of those shares were withheld at $58.36 per share, a withholding value of $14,823. Net shares issued to the insider from this grant were 406 shares (660 granted minus 254 withheld).
• This was an award/compensation-related issuance rather than an open-market purchase or sale; awards are typically routine compensation/vesting events.

Key Details

• Transaction date: 2026-02-16; Grant: 660 shares @ $0.00 (award); Withholding: 254 shares @ $58.36 (value $14,823) to cover tax liability.
• Net shares delivered from the grant: 406 shares (660 − 254).
• Shares owned after the transaction: not specified in the filing.
• Footnotes/codes: A = Award/Grant; F = Payment of exercise price or tax liability (here used for tax withholding). The 254-share "Disposed" entry reflects shares withheld to cover taxes, not an open-market sale.
• Filing timeliness: Report covers 2026-02-16 and was filed 2026-02-18 — within the typical two-business-day Form 4 deadline.

Context

• For retail investors: awards and the related tax-withholding are common compensation mechanics and do not necessarily indicate the insider is buying or selling shares to express a view on the stock. The withheld shares were used to satisfy tax obligations rather than sold on the open market.