Archer Daniels Midland (ADM) RSU sell-vs-hold
Calculator · free · no signup · ADMSell at vest or hold? Compare after-tax payout from selling Archer Daniels Midland RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of ADM today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in ADM. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator
About Archer Daniels Midland
Archer Daniels Midland (ADM) is a public Consumer Staples company, incorporated in Delaware and headquartered in Chicago, IL.
Last close: $82.45 per share (as of 2026-08-18).
Equity grants at Archer Daniels Midland typically include restricted stock units (RSUs).
The Archer-Daniels-Midland Company, commonly known as ADM, is an American multinational food processing and commodities trading corporation founded in 1902 and headquartered in Chicago, Illinois. The company operates more than 270 plants and 420 crop procurement facilities worldwide, where cereal grains and oilseeds are processed into products used in food, beverage, nutraceutical, industrial, and animal feed markets worldwide.
Source: Wikipedia (CC BY-SA 4.0)
Founded in 1902 as a linseed crushing operation, the company buys, transports, stores, and processes agricultural commodities, turning corn and oilseeds into ingredients for food, feed, and fuel. Margins come from spreads between raw and processed prices and from the logistics network rather than from any brand. Ethanol and renewable diesel link results to energy policy as much as to crop yields. Grain origination assets are hard to replicate because they occupy specific river and rail locations. Headquarters are in Chicago.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Archer Daniels Midland.
Archer Daniels Midland (ADM) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Archer Daniels Midland (ADM) RSUs vesting at $82.45 per share is $41,225 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$13,192), the post-tax share value is ~$28,033. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Archer Daniels Midland tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Archer Daniels Midland equity questions
- Should I sell or hold my Archer Daniels Midland RSUs at vest?
- Archer Daniels Midland restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does Archer Daniels Midland grant ISOs, NSOs, or RSUs?
- Equity compensation at Archer Daniels Midland typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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