UMB Financial (UMBF) consumer banking chief reports new 1,618-share equity grant

Rhea-AI Filing Summary

UMB Financial Corp President – Consumer Banking Elizabeth Theresa Lewis reported equity compensation-related transactions in company common stock. On February 9, 2026, she acquired 1,618 shares at $0, representing restricted share units that will vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. On February 7, 2026, 240 shares were disposed of at $134.32 in a transaction coded "F," typically used for shares withheld to cover taxes upon vesting. After these transactions, she directly owned 4,798 shares of UMB Financial common stock. A footnote also indicates some shares reflect dividends earned upon vesting of the underlying restricted stock unit.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Lewis Elizabeth Theresa

Role President - Consumer Banking

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,618	$0.00	--
Tax Withholding	Common Stock	240	$134.32	$32K

Holdings After Transaction: Common Stock — 4,798 shares (Direct)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

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^*

Lewis Elizabeth Theresa

(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)
	President - Consumer Banking

3. Date of Earliest Transaction (Month/Day/Year)
02/07/2026

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	02/07/2026		F		240	D	$134.32	3,174(1)	D
Common Stock	02/09/2026		A		1,618(2)	A	$0	4,798	D

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.

2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Jason Bartel, attorney-in-fact for Ms. Lewis	02/10/2026
	** 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 transactions did UMBF executive Elizabeth Theresa Lewis report?

Elizabeth Theresa Lewis reported one acquisition and one disposition of UMB Financial common stock. She acquired 1,618 restricted share units at $0 on February 9, 2026, and 240 shares were disposed of at $134.32 on February 7, 2026, leaving 4,798 shares owned directly.

How many UMBF shares does Elizabeth Theresa Lewis own after this Form 4?

After the reported transactions, Elizabeth Theresa Lewis directly owns 4,798 UMB Financial shares. This total reflects the February 9, 2026 acquisition of 1,618 restricted share units at $0 and the February 7, 2026 disposition of 240 shares, coded as an "F" tax-related transaction.

What is the vesting schedule for the UMBF restricted share units granted to Lewis?

The restricted share units granted to Lewis vest over three future dates. According to the footnote, 33% vest on February 9, 2027, another 33% vest on February 9, 2028, and the remaining 34% vest on February 9, 2029, subject to the usual plan conditions.

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

The "F" code on this Form 4 indicates a tax-related share disposition. In this filing, 240 UMB Financial shares were disposed of at $134.32 on February 7, 2026, in a transaction typically used for shares withheld to satisfy tax obligations from vesting equity awards.

How were dividends reflected in the UMBF equity transactions for Lewis?

A portion of Lewis’s holdings reflects dividends earned on restricted stock units. A footnote explains that some shares shown in the filing were received as dividends that accrued upon vesting of the underlying restricted stock unit awards, adding to her overall common stock position.

What role does Elizabeth Theresa Lewis hold at UMB Financial Corp (UMBF)?

Elizabeth Theresa Lewis serves as President – Consumer Banking at UMB Financial Corp. Her Form 4 identifies her as an officer, not a director or 10% owner, and reports equity compensation-related transactions in UMBF common stock held directly in her name.