Every Form 4 that Upstart Holdings, Inc. (UPST) has filed with the SEC in the last 12 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A Form 4 covers the transactions officers, directors and large holders report, so if you follow UPST and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full UPST filings page.
Upstart Holdings, Inc. (UPST) reported an insider sale by Chief Accounting Officer and Controller Natalia Mirgorodskaya. On August 25, 2026, she sold 913 shares of common stock in an open-market or private transaction at $30.03 per share. The transaction was executed under a Rule 10b5-1 trading plan adopted on November 28, 2025. After the sale, she directly held 35,875 shares, and a portion of this balance consists of restricted stock units that vest over time.
Upstart Holdings, Inc. (UPST) reported insider transactions by Sanjay Datta, President, Capital & Enterprise. On August 19, 2026, he sold 10,000 shares of common stock in open-market transactions at a weighted average price of $31.4633 per share. On August 20, 2026, he sold 8,945 shares at a weighted average price of $28.0937 per share, and the company states these shares were sold to cover tax withholding obligations related to vesting restricted stock units (RSUs), some of which remain subject to vesting conditions.
Upstart Holdings, Inc. (UPST) reported an insider transaction by Chief Legal Officer Scott Darling. On 2026-08-20, he sold 7,696 shares of common stock at a weighted average price of $28.0946 per share to cover tax withholding obligations related to vesting RSUs. Following this, he held 73,306 shares directly, including RSUs, and 46,610 shares indirectly through the Darling Family Trust, which reflects a deposit of 6,184 shares into the trust. The filing indicates the transaction was not made pursuant to a Rule 10b5-1 trading plan.
Upstart Holdings, Inc. (UPST) reported that Chief Accounting Officer and Controller Natalia Mirgorodskaya sold 586 shares of Common Stock on August 20, 2026 at a weighted average price of $28.0899 per share. The sale was made to cover tax withholding obligations from vesting RSUs, and she now holds 36,788 shares, including RSUs.
Upstart Holdings, Inc. (UPST) reported an insider transaction by officer Sanjay Datta, President, Capital & Enterprise. On 2026-08-17 he sold 2,033 shares of common stock at a weighted average price of $29.3571 per share in multiple trades between $29.17 and $29.52. The shares were sold to cover tax withholding obligations arising from the vesting of restricted stock units (RSUs). After this transaction, Datta directly holds 311,523 shares of common stock, certain of which are RSUs, each representing a contingent right to receive one share of common stock, subject to applicable vesting conditions.
Upstart Holdings, Inc. (UPST) reported that Chief Legal Officer Scott Darling sold 814 shares of common stock on August 17, 2026 at a weighted average price of $29.3588. The sale was made to cover tax withholding obligations arising from vesting restricted stock units (RSUs). After this sale, Darling held 87,186 shares directly, including RSUs, and 40,426 shares indirectly through the Darling Family Trust, which recently received a deposit of 728 shares.
Upstart Holdings, Inc. (UPST) reported that Chief Financial Officer Andrea Blankmeyer sold shares of common stock in two transactions. On August 17, 2026, she sold 7,175 shares at a weighted average price of $29.3583 per share, with sales executed between $29.19 and $29.54, to cover tax withholding obligations tied to vesting restricted stock units. On August 19, 2026, she sold 3,000 shares at $29.33 per share, in a sale effected pursuant to a Rule 10b5-1 trading plan adopted on May 16, 2026; certain related securities are restricted stock units that vest over time.
Upstart Holdings, Inc. executive Sanjay Datta, President, Capital & Enterprise, reported an open-market sale of common stock. On June 9, 2026, he sold 15,000 shares of Upstart common stock at a weighted average price of $30.4077 per share, in multiple trades between $30.09 and $30.62. Following this transaction, he directly holds 313,556 shares of Upstart common stock. A related footnote explains that certain securities in his holdings are RSUs, each representing a contingent right to receive one share of common stock subject to applicable vesting conditions.
Wennes Timothy H reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings director Timothy H. Wennes received a grant of 6,476 restricted stock units of common stock. The award was reported at a price of $0.00 per share because it is a compensation grant, not a market purchase. All 6,476 RSUs will vest on May 28, 2027, as long as he continues serving as a company service provider through that date. After this grant, he is reported as directly holding 6,476 shares tied to this award.
Terry Hilliard C. III reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings, Inc. director Terry Hilliard C. III received an equity grant of 6,476 shares of Common Stock in the form of restricted stock units (RSUs) on May 29, 2026. Each RSU represents a contingent right to one share of Common Stock. The RSUs will vest 100% on the earlier of May 29, 2027 or the day prior to Upstart’s 2027 annual meeting of stockholders, as long as he continues as a service provider through that date. Following this grant, his direct holdings increased to 37,432 shares of Common Stock.
Hentges Mary reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings director Mary Hentges received a grant of 6,476 restricted stock units (RSUs), each representing one share of Common Stock at no cash cost. All RSUs are scheduled to vest 100% on the earlier of May 29, 2027 or the day before Upstart’s 2027 annual stockholder meeting, as long as she continues as a service provider. Following this award, her directly held position reported in the filing is 37,149 shares.
Bernard Peter J reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings, Inc. director Peter J. Bernard reported receiving a grant of 6,476 restricted stock units (RSUs), each representing one share of common stock at no cash cost. After this award, his direct holdings total 11,392 shares or share-equivalent RSUs.
The RSUs are scheduled to vest 100% on the earlier of May 29, 2027, or the day prior to Upstart’s 2027 annual meeting of stockholders, assuming he continues as a service provider through that date. This is a compensation-related equity grant rather than an open‑market purchase.
Cooper Kerry Whorton reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings, Inc. director Kerry Whorton Cooper reported a new equity award and updated share holdings. She received 6,476 restricted stock units (RSUs), each representing a right to one share of common stock. The RSUs vest 100% on the earlier of May 29, 2027 or the day before Upstart’s 2027 annual stockholder meeting, if she continues as a service provider.
After this grant, she holds 6,476 shares directly, plus indirect holdings of 27,707 shares in the Edward and Kerry Cooper Living Trust and 2,000 shares in her Individual Retirement Account. A footnote notes that 4,314 shares were recently deposited into the living trust.
O'Kelly Ciaran reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings director Ciaran O’Kelly received an equity grant of 6,476 restricted stock units. These RSUs vest 100% on the earlier of May 29, 2027 or the day before the company’s 2027 annual shareholder meeting, if he continues as a service provider. Following this award, he directly holds 39,484 shares of common stock.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya reported an open-market sale of Common Stock. On May 26, 2026, she sold 974 shares at a price of $28.99 per share.
After this transaction, she directly holds 37,374 shares of Upstart Holdings, Inc. common stock.
Upstart Holdings, Inc. Chief Legal Officer Scott Darling reported an open-market sale of 6,634 shares of common stock at a weighted average price of $28.7778 per share. According to the footnotes, the shares were sold to cover tax withholding obligations related to the vesting of restricted stock units.
Following this transaction, Darling directly holds 88,728 shares of Upstart common stock and indirectly holds 39,698 shares through the Darling Family Trust, reflecting a prior deposit of 7,247 shares into the trust.
Upstart Holdings, Inc. insider Sanjay Datta, President, Capital & Enterprise, reported an open-market sale of 7,985 shares of common stock on May 20, 2026 at a weighted average price of $28.77 per share. According to the footnotes, these shares were sold solely to cover tax withholding obligations tied to vesting restricted stock units. After this transaction, Datta directly holds 328,556 shares of Upstart common stock.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya reported an open-market sale of 526 shares of Common Stock on May 20, 2026 at a weighted average price of $28.7719 per share. According to the filing, these shares were sold to cover tax withholding obligations tied to vesting restricted stock units. After this transaction, she directly holds 38,348 shares of Upstart common stock. The sale occurred through multiple trades at prices between $28.36 and $28.99 per share.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya exercised employee stock options to acquire 4,600 shares of Common Stock at an exercise price of $1.35 per share. These options were fully vested and exercisable. After the transaction, she directly holds 38,874 shares of Common Stock.
Upstart Holdings, Inc. Chief Financial Officer Andrea Blankmeyer reported selling a total of 7,044 shares of common stock on May 15, 2026 in open-market transactions at weighted average prices around $28.96 to $30.54. According to the filing footnotes, these sales were made to cover tax withholding obligations tied to the vesting of restricted stock units (RSUs), a common administrative step when equity awards vest. After these dispositions, she continues to hold over 160,000 shares directly, indicating the transactions represent a relatively small portion of her overall stake.
Upstart Holdings Chief Legal Officer Scott Darling reported small stock transactions mainly tied to equity compensation. On May 15, 2026, he sold a total of 727 shares of common stock in open-market transactions at weighted average prices around the high-$20s to low-$30s per share to cover tax withholding obligations from restricted stock unit vesting. After these sales, he still holds 102,609 shares directly, and an additional 32,451 shares indirectly through the Darling Family Trust.
Upstart Holdings, Inc. executive Datta Sanjay, President, Capital & Enterprise, sold a total of 1,817 shares of common stock in open-market transactions. The sales were made to cover tax withholding obligations related to the vesting of restricted stock units. After these trades, he continues to hold 336,541 shares directly, indicating the transactions represent a small portion of his overall stake.
Upstart Holdings, Inc. director and Chief Executive Officer Paul Gu reported an open-market purchase of 50,000 shares of common stock at $27.50 per share. The transaction was made indirectly through The Paul Xinquan Gu 2021 Gifting Trust, where he serves as trustee, and increased that trust’s holdings to 70,000 shares.
Separate holding entries show indirect ownership of 80,000 shares through JECCO, LLC and 44,930 shares through The Gu Qiao Family Trust, as well as 1,102,616 shares held directly. Footnotes note that these totals include 390 shares acquired under Upstart’s 2020 Employee Stock Purchase Plan and that certain shares are in the form of restricted stock units.
Upstart Holdings director and 10% owner Dave Girouard exercised employee stock options to acquire 835,075 shares of Common Stock at $0.83 per share. The options were fully vested and exercisable as of the transaction date, and the option position reported in this filing is now zero. Following the exercise, Form 4 entries show 9,348,016 shares of Common Stock held indirectly through entities such as the 2008 D&T Girouard Revocable Trust and several 2020 gift trusts, and 52,614 shares held directly. The filing primarily updates how Girouard’s sizeable existing stake is structured across direct holdings and multiple trusts.
Upstart Holdings director and 10% owner Dave Girouard, through indirectly owned entities, bought 170,240 shares of Upstart common stock in open-market purchases on May 7, 2026. The filing shows two trades of 300 shares at $29.76 per share and 169,940 shares at $29.3673 per share. It also reports 52,614 shares of Upstart common stock held directly in his name as of the same date.
Blankmeyer Andrea reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings, Inc. Chief Financial Officer Andrea Blankmeyer received equity awards consisting of restricted stock units and performance-based units. She was granted 148,006 performance-based restricted stock units (PRSUs), each representing a contingent right to one share of common stock, with the actual payout ranging from 0% to 300% of this target based on TSR CAGR targets measured as of February 15, 2030 and vesting on February 20, 2030, subject to continued service. She was also granted 169,427 time-based RSUs, which vest quarterly as follows: 40% in equal installments over the 12 months beginning May 15, 2026, then 30%, 20%, and 10% in sequential 12‑month quarterly vesting periods, all conditioned on continued service.
Upstart Holdings director and Chief Technology Officer Paul Gu received a grant of 912,702 performance-based restricted stock units on Common Stock on February 28, 2026. The grant was awarded at a price of $0.00 per unit as an equity incentive.
Each PRSU can ultimately convert into between 0% and 300% of the target number of shares, depending in part on achieving specified total shareholder return CAGR targets as of February 15, 2030, and is scheduled to vest on February 20, 2030, subject to Gu continuing as a service provider. Following this award, Gu directly owned 1,102,226 shares of Common Stock and had additional indirect holdings of 44,930 shares and 20,000 shares through trusts and 80,000 shares through an LLC.
Darling Scott reported acquisition or exercise transactions in this Form 4 filing.
Upstart Holdings Chief Legal Officer Scott Darling reported new equity awards. On February 28, 2026, he received 74,003 performance-based restricted stock units (PRSUs), each representing a right to one share of common stock, with actual shares earned ranging from 0% to 300% of the target based in part on TSR CAGR targets measured as of February 15, 2030 and vesting on February 20, 2030, contingent on continued service. He was also granted 24,668 restricted stock units, each for one share of common stock, vesting 1/16 on May 15, 2026 and quarterly thereafter, subject to continued service, bringing his directly held common stock to 104,150 shares. An additional 31,637 common shares are held indirectly through the Darling Family Trust.
Upstart Holdings, Inc. reported that officer Sanjay Datta received new equity awards on February 28, 2026. He was granted 185,008 performance-based restricted stock units (PRSUs) and 61,670 shares of Common Stock as a grant or award acquisition at $0.00 per share.
Each PRSU represents a contingent right to receive one share of Common Stock, with the actual number earned ranging from 0% to 300% of the target based in part on TSR CAGR targets measured as of February 15, 2030, and subject to vesting on February 20, 2030 while he continues as a service provider. Certain of the awarded securities are RSUs, where each RSU represents a contingent right to receive one share of Common Stock, with 1/16th of the RSUs vesting on May 15, 2026 and then at the end of each successive three-month period, subject to continued service.
Upstart Holdings executive Natalia Mirgorodskaya reported a small mix of stock sales and new equity awards. She sold 390 shares of common stock in an open-market transaction at $26.02 per share under a pre-arranged Rule 10b5-1 trading plan, leaving her with 34,274 shares of common stock held directly.
On the same filing, she reported an award of 9,375 restricted stock units, each representing one future share of common stock, and a grant of stock options covering 5,938 shares at an exercise price of $0.00. The RSUs vest quarterly starting on February 15, 2027, while one-twelfth of the option grant vests monthly starting on December 15, 2026, in each case as long as she continues as a service provider.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya sold 866 shares of common stock in an open-market transaction at $28.79 per share. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan adopted on May 30, 2025.
After this sale, she held 25,289 shares of Upstart common stock, some of which are in the form of restricted stock units that convert into shares only if their vesting conditions are met.
Upstart Holdings, Inc. Chief Financial Officer Sanjay Datta reported an open-market sale of 7,982 shares of common stock on February 20, 2026. The shares were sold at a weighted average price of $29.8641 per share to cover tax withholding obligations related to the vesting of restricted stock units.
After this transaction, Datta directly owns 276,688 shares of Upstart common stock. This amount includes 390 shares acquired on February 13, 2026 under the company’s 2020 Employee Stock Purchase Plan, as well as restricted stock units that convert into common shares as they vest.
Upstart Holdings, Inc. officer Natalia Mirgorodskaya reported an open-market sale of 633 shares of common stock on February 20, 2026 at a weighted-average price of $29.8971 per share. According to the filing, the sale was made to cover tax withholding obligations from vesting restricted stock units, and she continued to hold 26,155 shares afterward.
Upstart Holdings' Chief Legal Officer Scott Darling reported insider transactions involving company common stock. Entities associated with him sold a net 6,868 shares on February 20, 2026, with open-market sales priced around $29.854 and $30.25 per share.
Footnotes state that part of the sale was to cover tax withholding from vesting restricted stock units, and that one sale was executed under a pre-arranged Rule 10b5-1 trading plan adopted on May 30, 2025. Other zero-price entries reflect a change in ownership form, moving 6,638 shares between direct holdings and the Darling Family Trust.
Upstart Holdings Chief Legal Officer Scott Darling reported an option exercise and related share acquisition. On January 22, 2026, an employee stock option with an exercise price of $13.22 per share was exercised for 7,564 shares of common stock, coded as transaction type "M" (option exercise). These shares are held indirectly by the Darling Family Trust, which now holds 24,999 shares of Upstart common stock. Darling also holds 92,598 shares directly and 186,963 employee stock options directly following the transaction. Certain reported holdings are restricted stock units that convert into common shares as they vest over time.
Upstart Holdings director Ciaran O'Kelly reported receiving 1,168 shares of Common Stock on January 12, 2026 at a price of $0 per share. According to the footnotes, these shares are fully vested restricted stock units (RSUs), with each RSU delivering one share of Common Stock, granted under a prior election to take an annual Board cash retainer in stock instead of cash. After this grant, O'Kelly beneficially owned 33,008 shares of Upstart Common Stock, some of which are RSUs that will settle or vest according to their individual schedules and conditions.
Upstart Holdings director Bernard Peter J reported a stock-based compensation grant for his board service. On 01/12/2026, he acquired 834 shares of Upstart Holdings, Inc. common stock at a price of $0 per share, delivered as fully vested restricted stock units (RSUs) granted in lieu of his individual annual cash retainer under the company’s Outside Director Compensation Policy. Each RSU represents one share of common stock issued as soon as practicable after grant. Following this grant, he beneficially owns 4,916 shares of common stock, some of which are RSUs that remain subject to their applicable vesting schedules and conditions, all held in direct ownership.
A trust associated with Upstart Holdings director Kerry Whorton Cooper received 1,459 fully vested restricted stock units (RSUs) on January 12, 2026. Each RSU converts into one share of Upstart common stock and was granted at $0 per share in lieu of an annual cash retainer for board service under the company’s Outside Director Compensation Policy.
After this grant, the Edward and Kerry Cooper Living Trust held 25,393 shares indirectly for her benefit, while she also held 4,314 RSUs directly, which represent contingent rights to receive common stock subject to vesting conditions.
Upstart Holdings, Inc. Chief Legal Officer Scott Darling reported several equity transactions dated January 5, 2026. He exercised 1,000 employee stock options at an exercise price of $13.22 per share, receiving the same number of Upstart common shares. After this, he held 93,598 common shares directly and 194,527 stock options beneficially.
The filing also shows internal transfers of 1,000 common shares with no consideration as a change in form of ownership, including shares held by the Darling Family Trust, and a sale of 1,000 common shares at $50.00 per share by the trust. The option exercise and related sale were carried out under a Rule 10b5-1 trading plan adopted on May 30, 2025.
Upstart Holdings, Inc. reported an insider stock sale by a director. On 12/12/2025, the director sold 1,500 shares of common stock at $50 per share in an open-market transaction coded as a sale.
The filing states this sale was made under a prearranged Rule 10b5-1 trading plan adopted on September 4, 2025. After the sale, the director beneficially owned 23,934 shares indirectly through the Edward and Kerry Cooper Living Trust and held 4,314 restricted stock units (RSUs), each representing a contingent right to one share of common stock subject to vesting conditions.
Upstart Holdings' Chief Legal Officer reported several equity transactions on 12/12/2025 involving company common stock and stock options. The filing shows the exercise of an employee stock option for 2,000 shares at an exercise price of $13.22 per share, followed by transfers of those shares between direct ownership and the Darling Family Trust.
The Darling Family Trust then sold 7,392 shares of common stock at a price of $50 per share under a Rule 10b5-1 trading plan adopted on May 30, 2025. After these transactions, the reporting person beneficially owned 92,598 shares directly and 17,435 shares indirectly through the Darling Family Trust, along with 195,527 employee stock options that remain outstanding. Some of the reported holdings include restricted stock units that each represent a contingent right to receive one share of common stock, subject to vesting conditions.
Upstart Holdings, Inc. reported an insider stock sale by an officer. On 11/25/2025, the company’s Chief Accounting Officer and Controller sold 762 shares of Upstart common stock at a price of $38.91 per share in an open-market transaction.
After this sale, the reporting person beneficially owned 26,398 shares of Upstart common stock, some of which are in the form of restricted stock units. Each RSU represents the right to receive one share of common stock if its vesting conditions are met. The transaction was carried out under a pre-arranged Rule 10b5-1 trading plan adopted on May 30, 2025, which is designed to allow insiders to sell shares according to a preset schedule.
Upstart Holdings, Inc. (UPST) reported insider activity by an officer on a Form 4 dated 11/20/2025. The reporting person exercised an employee stock option to acquire 6,900 shares of common stock at an exercise price of $1.35 per share. On the same date, they sold 741 shares at a weighted average price of $36.582 and separately sold 80 shares at $36.95.
The filing explains that the sales were made to cover tax withholding obligations related to vesting restricted stock units, and that certain holdings are RSUs, each representing one share of common stock upon vesting. After these transactions, the reporting person directly beneficially owned 27,160 shares of Upstart common stock. All shares subject to the reported option are fully vested and exercisable.
Upstart Holdings, Inc. (UPST) reported insider activity by its Chief Legal Officer on 11/20/2025. The officer sold 7,323 shares of common stock at a weighted average price of $36.552 and 400 shares at a weighted average price of $37.025 to cover tax withholding obligations related to vesting restricted stock units (RSUs).
The filing also shows a change in ownership form involving 5,392 shares moved out of direct ownership and 5,392 shares moved into a trust, with no consideration exchanged. After these transactions, the officer beneficially owned 98,390 shares before the sales, then 92,598 shares directly and 22,827 shares indirectly through the Darling Family Trust. The filing clarifies that certain unvested RSUs are directly held, correcting prior reports that showed them as indirectly held.
Upstart Holdings, Inc. (UPST) reported a Form 4 filing for its Chief Financial Officer, who is an officer and not a 10% owner. On 11/20/2025, the CFO reported two sales of common stock. One sale covered 12,624 shares at a weighted average price of $36.544, and another sale covered 1,000 shares at a weighted average price of $36.992. The explanation states these shares were sold to cover tax withholding obligations related to vesting restricted stock units. After these transactions, the reporting person beneficially owned 284,280 shares of common stock, some of which are restricted stock units where each unit represents a contingent right to receive one share, subject to vesting conditions.
Upstart Holdings (UPST) insider activity: A director and Chief Technology Officer reported buying 100,000 shares of common stock on 11/11/2025. The purchases were made indirectly—20,000 shares at a weighted average price of $39.22 through THE GU QIAO FAMILY TRUST and 80,000 shares at a weighted average price of $39.23 through JECCO, LLC. Following these transactions, the reporting person beneficially owned 1,102,226 shares directly and 44,930 shares indirectly by trust. The filing notes short-swing profits of $148,255.06 were remitted to the Company under Section 16(b) in connection with a prior sale of 5,000 shares on September 2, 2025.
Upstart (UPST) Chief Legal Officer reported a routine Form 4 transaction on 10/24/2025. The insider exercised 1,000 stock options at $13.22 and immediately sold 1,000 shares at a weighted average $55.0124, executed under a Rule 10b5-1 plan adopted May 30, 2025. Following these transactions, 123,148 shares were beneficially owned indirectly by the Darling Family Trust, and 197,527 options remained beneficially owned directly. Certain holdings include RSUs subject to vesting.
Upstart Holdings (UPST) filed an amended Form 4 to correct a prior report by adding a previously omitted gift of 750 shares on February 28, 2025 (transaction code G at $0). The reporting person is the company’s Chief Legal Officer.
Following the gift, the filing lists 149,379 shares beneficially owned as of February 28, 2025, with ownership shown as Direct. The amendment states the omission was unintentional and updates total beneficial ownership accordingly.
Upstart Holdings insider Scott Darling executed an option exercise and contemporaneous sale under a Rule 10b5-1 plan on 09/17/2025. The filing shows exercise of an employee stock option to acquire 1,000 shares at an exercise price of $13.22 per share, and the sale of 1,000 shares at a weighted average price of $70.0095 per share. After these transactions the reporting person beneficially owned 123,898 shares of common stock. The filing also discloses employee stock options covering a total of 199,527 underlying shares, and that certain shares counted in holdings are restricted stock units subject to vesting.
Upstart Holdings insider transaction summary: Director and CEO David Girouard exercised an employee stock option to purchase 41,667 shares at an exercise price of $0.83 per share on 09/15/2025 under a Rule 10b5-1 trading plan adopted 08/29/2024. Immediately thereafter, the reporting person sold 34,825 shares at a weighted average price of $64.838 and 6,842 shares at a weighted average price of $65.4139, reflecting multiple sale transactions. After these transactions, Girouard reports 59,456 shares directly beneficially owned and multiple indirect holdings through trusts totaling several million shares as disclosed in footnotes.