UMB Financial (UMBF) Chief Administrative Officer reports tax-withholding on company shares

Rhea-AI Filing Summary

UMB Financial Corp's Chief Administrative Officer, Shannon Andresen Johnson, reported a Form 4 transaction involving company common stock. On February 10, 2026, 215 shares of common stock were disposed of at $132.87 per share under transaction code "F," which indicates shares were withheld to satisfy a tax liability related to equity compensation.

After this tax-withholding disposition, Johnson directly beneficially owned 34,888.1252 shares of UMB Financial common stock. She also had an additional 351.131 shares held indirectly through an ESOP, which reflects dividends earned upon vesting of underlying restricted stock units.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Johnson Shannon Andresen

Role Chief Administrative Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	215	$132.87	$29K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 34,888.125 shares (Direct); Common Stock — 351.131 shares (Indirect, By ESOP)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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^*

Johnson Shannon Andresen

(Last) (First) (Middle)

1010 GRAND BLVD.

(Street)

KANSAS CITY MO 64106

(City) (State) (Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
02/10/2026

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

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

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

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	02/10/2026		F		215	D	$132.87	34,888.1252(1)	D
Common Stock								351.131	I	By ESOP

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:

1. Reflects dividends earned upon vesting of the underlying restricted stock unit.

	/s/ Jason D. Bartel, attorney-in-fact for Ms. Johnson	02/12/2026
	** 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.

FAQ

What insider transaction did UMBF executive Shannon Andresen Johnson report?

Shannon Andresen Johnson reported a tax-related share disposition. On February 10, 2026, 215 shares of UMB Financial common stock were withheld at $132.87 per share to cover tax obligations tied to equity compensation awards.

How many UMBF shares does Shannon Andresen Johnson own after this Form 4?

After the reported transaction, Johnson directly beneficially owned 34,888.1252 UMB Financial common shares. She also had an indirect interest in 351.131 shares held through an ESOP, reflecting dividends earned on vested restricted stock units.

What does transaction code "F" mean in the UMBF Form 4 filing?

Transaction code "F" indicates shares were used to pay a tax liability or exercise price. In this case, 215 UMB Financial shares were disposed of to satisfy tax obligations related to equity compensation rather than sold in an open-market transaction.

What role does Shannon Andresen Johnson hold at UMB Financial Corp (UMBF)?

Shannon Andresen Johnson is listed as an officer of UMB Financial Corp, serving as Chief Administrative Officer. Her position is disclosed in the Form 4, which reports changes in her beneficial ownership of UMBF common stock.

How are ESOP shares reported in this UMBF Form 4 filing?

The filing shows 351.131 UMB Financial shares held indirectly “By ESOP.” A footnote explains this reflects dividends earned upon vesting of the underlying restricted stock units, which increased the ESOP-related share balance for the reporting person.