UMB Financial (UMBF) HR chief reports tax withholding and 1,383 RSUs

Rhea-AI Filing Summary

UMB Financial Corp’s Chief Human Resource Officer, Robert Brian Beaird, reported routine equity compensation activity. On February 7, 2026, 166 shares of common stock were withheld at $134.32 per share to cover taxes tied to vested restricted stock units and related dividend shares. On February 9, 2026, he acquired 1,383 restricted share units at no cost, which vest 33% on February 9, 2027, 33% on February 9, 2028 and 34% on February 9, 2029. Following these transactions, he directly held 10,850.3509 common shares and indirectly held 216.0408 shares through an ESOP.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Beaird Robert Brian

Role Chief Human Resource Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,383	$0.00	--
Tax Withholding	Common Stock	166	$134.32	$22K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,850.351 shares (Direct); Common Stock — 216.041 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. These restricted share units vested 33% on February 9, 2027 and 33% on February 9, 2028. 34% of these restricted share units will vest 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^*

Beaird Robert Brian

(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 Human Resource Officer

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		166	D	$134.32	9,462.3509(1)	D
Common Stock	02/09/2026		A		1,383(2)	A	$0	10,850.3509	D
Common Stock								216.0408	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. These restricted share units vested 33% on February 9, 2027 and 33% on February 9, 2028. 34% of these restricted share units will vest on February 9, 2029.

	/s/ Jason D. Bartel, attorney-in-fact for Mr. Beaird	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 Chief Human Resource Officer report?

Robert Brian Beaird reported two main transactions. On February 7, 2026, 166 shares were withheld at $134.32 per share for taxes. On February 9, 2026, he received 1,383 restricted share units at no cost as part of his equity compensation.

How many UMBF shares does Robert Brian Beaird own after these Form 4 transactions?

After the reported activity, Robert Brian Beaird directly held 10,850.3509 shares of UMB Financial common stock and indirectly held 216.0408 shares through an ESOP, according to the Form 4 beneficial ownership figures.

What is the vesting schedule for the 1,383 UMBF restricted share units?

The 1,383 restricted share units vest in three tranches: 33% on February 9, 2027, 33% on February 9, 2028, and the remaining 34% on February 9, 2029, aligning compensation with longer-term service and performance.

Why were 166 UMBF shares disposed of at $134.32 on February 7, 2026?

The 166-share disposition at $134.32 on February 7, 2026, was coded “F,” indicating shares were withheld to satisfy tax obligations arising from the vesting of restricted stock units and related dividend shares, rather than an open-market sale.

What do the Form 4 footnotes explain about the UMBF transactions?

The footnotes state that certain reported shares reflect dividends earned upon vesting of underlying restricted stock units and clarify the vesting schedule of the new 1,383 restricted share units over 2027, 2028, and 2029.