UMB Financial (UMBF) CAO reports 29-share tax withholding transaction

Rhea-AI Filing Summary

UMB Financial Corp's Chief Accounting Officer, David Carl Odgers, reported a small share disposition related to tax withholding. On 02/10/2026, 29 shares of common stock were withheld and disposed of at $132.87 per share to satisfy tax liabilities upon vesting of restricted stock units, as noted in the footnote explaining these were dividends earned on the underlying awards.

After this transaction, Odgers beneficially owned 6,661.41 shares of UMB Financial common stock directly, plus 307.686 shares held indirectly through a 401(k) plan and 306.886 shares held indirectly through an ESOP. The filing reflects routine equity compensation and associated tax handling rather than an open-market trade.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Odgers David Carl

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	29	$132.87	$4K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 6,661.41 shares (Direct); Common Stock — 307.686 shares (Indirect, By 401K)

Footnotes (1)

1. [object Object]

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^*

Odgers David Carl

(Last) (First) (Middle)

1010 GRAND BOULEVARD

(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 Accounting 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		29	D	$132.87	6,661.41(1)	D
Common Stock								307.686	I	By 401K
Common Stock								306.886	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 Mr. Odgers	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 Chief Accounting Officer David Odgers report?

David Carl Odgers reported a tax-related share disposition involving 29 shares of UMB Financial common stock. The shares were withheld and disposed of at $132.87 each to cover tax liabilities tied to vested restricted stock unit dividends.

Was the UMBF Form 4 transaction an open-market sale of shares?

No, the Form 4 describes a tax-withholding disposition coded as transaction type F. The 29 UMB Financial shares were delivered to satisfy tax liabilities from vesting restricted stock units, rather than being sold in a discretionary open-market trade.

How many UMBF shares does David Odgers own after the reported transaction?

After the reported transaction, David Carl Odgers beneficially owns 6,661.41 UMB Financial common shares directly. He also holds 307.686 shares indirectly through a 401(k) plan and 306.886 shares indirectly through an ESOP, according to the Form 4.

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

Transaction code F indicates payment of an exercise price or tax liability by delivering securities. In this UMB Financial filing, 29 common shares were used to satisfy tax obligations arising from vesting of restricted stock units and related dividend equivalents.

How are Odgers’ indirect UMBF share holdings structured?

The Form 4 shows indirect ownership coded as I for two accounts. Odgers holds 307.686 UMB Financial shares through a 401(k) plan and 306.886 shares through an ESOP, indicating retirement and employee ownership plan positions rather than directly held brokerage shares.

What does the Form 4 footnote say about the additional shares reported?

The footnote explains that the reported amount reflects dividends earned upon vesting of the underlying restricted stock unit. This clarifies that some shares in the updated holdings arose from dividend equivalents tied to previously granted restricted stock awards at UMB Financial.