Form 4: Harris Amy reports disposition transactions in UMBF

Rhea-AI Filing Summary

Harris Amy reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 127 shares at a weighted average price of $134.29 per share. Following the reported transactions, holdings were 7,985 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Harris Amy

Role EVP and Chief Legal Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	127	$134.29	$17K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 7,985 shares (Direct); Common Stock — 102.264 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

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^*

Harris Amy

(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)
	EVP and Chief Legal Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/09/2026

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	02/09/2026		F		127	D	$134.29	7,985(1)	D
Common Stock								102.264(2)	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.

2. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

	/s/ Jason D. Bartel, attorney-in-fact for Ms. Harris	02/11/2026
	** 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 did UMBF executive Amy Harris report in this Form 4 filing?

Amy Harris reported a tax-withholding disposition of 127 UMB Financial Corp shares at $134.29 per share. This code F transaction covers tax obligations tied to equity compensation, rather than an open-market purchase or sale of company stock.

How many UMBF shares does Amy Harris own after the reported transaction?

After the transaction, Amy Harris directly owns 7,985 shares of UMB Financial Corp common stock. She also has an indirect holding of 102.264 shares through an ESOP, reflecting allocations and dispositions since her prior ownership report.

What does transaction code F mean in Amy Harris’s UMBF Form 4?

Transaction code F indicates a tax-withholding disposition, where shares are delivered to cover tax liabilities on equity awards. In this case, 127 UMB Financial Corp shares were used for taxes rather than being sold in the open market.

How are ESOP shares reported for Amy Harris at UMB Financial Corp (UMBF)?

The filing shows Amy Harris indirectly holds 102.264 UMBF shares “By ESOP.” A footnote explains this amount reflects ESOP allocations and dispositions that have occurred since her last ownership report, updating her indirect retirement-plan holdings.

What do the dividend-related footnotes in Amy Harris’s UMBF Form 4 indicate?

One footnote states that certain reported shares reflect dividends earned upon vesting of restricted stock units. This clarifies that part of the change in holdings comes from dividend equivalents associated with equity awards, not from separate stock market transactions.