UMB Financial (NASDAQ: UMBF) director reports 116-share stock grant and 14.6K total holdings

Rhea-AI Filing Summary

UMB Financial Corp director L. Joshua Sosland reported a compensation-related share award. On May 1, 2026, he received 116 shares of UMB Financial common stock as a grant or award at $129.24 per share, increasing his direct holdings to 14,611.5037 shares.

He also reports indirect ownership of 558 shares of common stock held "By Ira," reflecting a separate indirect position. The filing shows an acquisition through a grant rather than an open-market purchase, and there are no reported sales or derivative exercises in this disclosure.

Insights

Equity compensation analyst

Director received a modest stock grant; no open‑market trading or sales reported.

The filing shows UMB Financial Corp director L. Joshua Sosland acquired 116 common shares via a grant at $129.24 per share. This is categorized as a compensation-related award, not a market purchase, and therefore carries weaker signaling value about his short-term view of the stock.

After the grant, his direct holdings total 14,611.5037 shares, alongside 558 shares held indirectly "By Ira." The scale of the grant is small relative to his disclosed position, and there are no sales, exercises, or derivative positions listed, making this a routine compensation update rather than a thesis-changing event.

Insider Trade Summary

Net Buyer: 116 shares

Net Buy 2 txns

Insider SOSLAND L JOSHUA

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	116	$129.24	$15K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 14,611.5037 shares (Direct); Common Stock — 558 shares (Indirect, By Ira)

Key Figures

Stock grant size: 116 shares Grant price: $129.24 per share Direct holdings after grant: 14,611.5037 shares +1 more

4 metrics

Stock grant size 116 shares Common Stock grant on May 1, 2026

Grant price $129.24 per share Value per granted share of Common Stock

Direct holdings after grant 14,611.5037 shares Total direct UMB Financial common shares after transaction

Indirect holdings 558 shares Indirectly owned UMB Financial common stock "By Ira"

Key Terms

Grant, award, or other acquisition, Common Stock, indirect ownership, transaction code A

4 terms

Grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition"

Common Stock financial

""security_title": "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

indirect ownership financial

""ownership_type": "indirect""

transaction code A regulatory

""transaction_code": "A""

FAQ

What insider transaction did UMBF director L. Joshua Sosland report on this Form 4?

He reported receiving 116 shares of UMB Financial common stock as a grant or award. The shares were valued at $129.24 each, reflecting a compensation-related acquisition rather than an open-market purchase or sale of UMBF stock.

How many UMBF shares does L. Joshua Sosland hold after this reported grant?

Following the grant, his direct ownership is 14,611.5037 UMB Financial common shares. The filing also shows indirect ownership of 558 shares held "By Ira," indicating a separate indirect position in the company’s common stock alongside his direct holdings.

Was the UMBF Form 4 transaction a stock purchase or a compensation grant?

The Form 4 classifies the event as a grant, award, or other acquisition, coded "A." This means the 116 UMB Financial shares were received as compensation, not bought in the open market, which typically carries less signaling value about trading intentions.

Did L. Joshua Sosland sell any UMB Financial (UMBF) shares in this Form 4 filing?

No sales are reported in this filing. The only quantified transaction is the acquisition of 116 common shares through a grant. There are no entries showing dispositions, option exercises, or open-market trades affecting his UMBF shareholdings here.

What does indirect ownership "By Ira" mean in the UMBF Form 4 for Sosland?

The Form 4 lists 558 UMB Financial common shares as indirectly owned "By Ira." This indicates those shares are held through another party or account named Ira, distinguishing them from Sosland’s directly held 14,611.5037 shares reported after the grant.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 05/04/2026 - 06:10 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

SOSLAND L JOSHUA

(Last) (First) (Middle)

4800 MAIN STREET

SUITE 100

(Street)

KANSAS CITY MISSOURI 64112

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
UMB FINANCIAL CORP [ UMBF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/01/2026		A		116	A	$129.24	14,611.5037	D
Common Stock								558	I	By Ira

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Debbie Lanemann, POA from Mr. Sosland	05/04/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)