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[Form 4] UMB FINANCIAL CORP Insider Trading Activity

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

UMB Financial Corp’s Chief Credit Officer, Terry Thomas S, reported a small tax-related share disposition. On 02/10/2026, 89 shares of common stock were withheld at $132.87 per share to cover tax obligations tied to equity compensation, coded as a tax-withholding disposition rather than an open-market trade. After this, he directly holds 36,445.3105 common shares and has an additional 5,087.897 shares held indirectly through an ESOP, including dividends earned upon vesting of restricted stock units.

Positive

  • None.

Negative

  • None.

Insights

Small, routine tax-withholding share disposition tied to equity awards.

The transaction shows 89 UMB Financial Corp common shares withheld at $132.87 on 02/10/2026 to satisfy tax liabilities from equity compensation. The code F indicates payment of tax via shares, not an open-market sale.

After this event, Chief Credit Officer Terry Thomas S holds 36,445.3105 shares directly and 5,087.897 shares indirectly through an ESOP. These holdings, including shares from vested restricted stock unit dividends, suggest the filing is administrative rather than thesis-changing for investors.

Insider Terry Thomas S
Role Chief Credit Officer
Type Security Shares Price Value
Tax Withholding Common Stock 89 $132.87 $12K
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 36,445.311 shares (Direct); Common Stock — 5,087.897 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*
Terry Thomas S
(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 Credit 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 89 D $132.87 36,445.3105(1) D
Common Stock 5,087.897 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/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry 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.

Source: View Original Filing on SEC EDGAR