Form 4: UMB Financial Officer Sells Shares for Tax

UMB Financial's Chief Credit Officer, Thomas S. Terry, disposed of 89 shares of common stock to cover tax obligations related to vested restricted stock units.

Summary

• Thomas S. Terry, Chief Credit Officer of UMB Financial Corp (UMBF), reported a disposition of common stock.
• The transaction involved 89 shares of common stock disposed of at a price of $132.87 per share.
• The transaction date was February 10, 2026, and the filing date was February 12, 2026.
• The disposition was identified with transaction code 'F', indicating a payment of tax liability by delivering or withholding securities.
• The shares disposed of reflect dividends earned upon the vesting of underlying restricted stock units.
• Following this transaction, Mr. Terry directly beneficially owns 36,445.3105 shares of common stock.
• Additionally, Mr. Terry indirectly beneficially owns 5,087.897 shares through an Employee Stock Ownership Plan (ESOP).

Sentiment

Score: 5

Explanation: StockSavvy.ai views this as a neutral event. The disposition of shares is for tax withholding related to vested restricted stock units, which is a common and routine occurrence for corporate insiders and does not reflect a discretionary sale or change in sentiment.

Industry Context

StockSavvy.ai notes that Form 4 filings detailing insider transactions, particularly those involving the disposition of shares for tax withholding purposes (Transaction Code 'F'), are routine occurrences in the financial industry. These transactions are typically pre-planned and do not usually signal a change in management's outlook or confidence in the company's performance.

Key Dates

Recommendation

This Form 4 filing details a routine, non-discretionary disposition of shares by an insider for tax purposes related to vested equity awards. Such transactions are common and do not typically indicate a change in the company's fundamentals or the insider's long-term view. Therefore, a seasoned investor would likely maintain their current position, resulting in a 'hold' recommendation, as this event does not provide new information to alter an investment thesis.

Keywords

UMB Financial Corp, UMBF, Form 4, Insider Transaction, Chief Credit Officer, Stock Disposition, Tax Withholding, Restricted Stock Units