UMB Financial (UMBF) CAO reports tax-withholding of 316 common shares

Rhea-AI Filing Summary

UMB Financial Corp Chief Administrative Officer Shannon Andresen Johnson reported a tax-withholding disposition of 316 shares of common stock on February 9, 2026 at $134.29 per share. After this transaction, she held 35,069.1252 shares directly and 351.131 shares indirectly through an ESOP.

The filing notes that part of the change in holdings reflects dividends earned upon vesting of restricted stock units and ESOP allocations and dispositions since her prior ownership report.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Johnson Shannon Andresen

Role Chief Administrative Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	316	$134.29	$42K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 35,069.125 shares (Direct); Common Stock — 351.131 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^*

Johnson Shannon Andresen

(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 Administrative 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		316	D	$134.29	35,069.1252(1)	D
Common Stock								351.131(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. Johnson	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 insider transaction did UMBF executive Shannon Andresen Johnson report?

Shannon Andresen Johnson reported a tax-withholding disposition of 316 UMB Financial common shares. The shares were withheld at a price of $134.29 per share to cover tax obligations tied to equity awards, rather than being sold in an open-market transaction.

What is Shannon Andresen Johnson’s role at UMB Financial Corp (UMBF)?

Shannon Andresen Johnson serves as Chief Administrative Officer at UMB Financial Corp. This role is disclosed in the insider ownership filing, where she reports transactions and holdings in UMB Financial common stock as an executive officer of the company.

How many UMBF shares does Shannon Andresen Johnson own after the reported Form 4 transaction?

After the reported transaction, Shannon Andresen Johnson directly owned 35,069.1252 UMB Financial common shares. She also indirectly held 351.131 additional common shares through an employee stock ownership plan (ESOP), as disclosed in the ownership table and related footnotes.

Was the UMBF insider transaction a sale on the open market?

The transaction was reported as a tax-withholding disposition, not an open-market sale. Code F indicates shares were delivered at $134.29 per share to satisfy tax obligations related to equity compensation, rather than a discretionary sale for investment purposes.

What do the footnotes in the UMBF Form 4 filing explain?

The footnotes explain that some reported shares reflect dividends earned when restricted stock units vested. They also state that ESOP holdings reflect allocations and dispositions since Shannon Andresen Johnson’s last ownership report, clarifying how her indirect stake through the ESOP changed over time.

How are ESOP shares reported for UMBF’s Shannon Andresen Johnson?

ESOP shares are reported as indirect ownership labeled “By ESOP.” After the transaction, 351.131 UMB Financial common shares were shown as indirectly held through the employee stock ownership plan, with footnotes describing allocations and dispositions since the prior ownership report.