STOCK TITAN

UMB Financial (UMBF) director sells 360 shares at $145.13 each

(Neutral)
(Negative)
Form Type
4

Rhea-AI Filing Summary

UMB Financial Corp director Kevin Charles Gallagher reported selling 360 shares of common stock on July 31, 2026 at $145.13 per share in an open market or private transaction. After this sale, he directly held 11,862.668 shares and indirectly held 8,130.113 shares through an IRA and 449.139 shares through a Roth IRA.

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Insider Gallagher Kevin Charles
Role Director
Sold 360 shs ($52K)
Type Security Shares Price Value
Sale Common Stock 360 $145.13 $52K
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 11,862.668 shares (Direct); Common Stock — 8,130.113 shares (Indirect, By IRA); Common Stock — 449.139 shares (Indirect, by Roth IRA)
Shares sold 360 shares Common stock sale on July 31, 2026
Sale price per share $145.13 Price per share for 360-share sale of common stock
Direct holdings after sale 11,862.668 shares Directly owned UMB Financial Corp common stock after transaction
IRA indirect holdings 8,130.113 shares Indirect ownership by IRA after reported transactions
Roth IRA indirect holdings 449.139 shares Indirect ownership by Roth IRA after reported transactions
open market or private transaction market
"transaction_code_description: Sale in open market or private transaction"
indirect financial
"ownership_type: indirect"
IRA financial
"nature_of_ownership: By IRA"
An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.
Roth IRA financial
"nature_of_ownership: by Roth IRA"
A Roth IRA is a retirement savings account you fund with money that’s already been taxed, and withdrawals taken in retirement under the account rules are tax-free. It matters to investors because it shifts the tax bill to today instead of retirement, potentially increasing after-tax income later—think of it like paying for a lifetime subscription now so you can use it without extra charges in the future—helpful for long-term tax planning and flexibility.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What insider stock transaction did UMBF director Kevin Charles Gallagher report?

Kevin Charles Gallagher reported a sale of 360 shares of UMB Financial Corp common stock on July 31, 2026 at $145.13 per share. The transaction is described as a sale in an open market or private transaction.

How many UMBF shares did Kevin Charles Gallagher sell and at what price?

He sold 360 shares of UMB Financial Corp common stock at $145.13 per share. This reported transaction occurred on July 31, 2026 and is categorized as a sale in an open market or private transaction.

What are Kevin Charles Gallagher’s direct UMBF share holdings after this transaction?

Following the reported sale, Kevin Charles Gallagher directly owned 11,862.668 shares of UMB Financial Corp common stock. This figure reflects his direct ownership position as of the July 31, 2026 transaction date.

What indirect UMBF holdings does Kevin Charles Gallagher report through retirement accounts?

He reports indirect ownership of 8,130.113 shares of UMB Financial Corp common stock held by IRA and an additional 449.139 shares held by Roth IRA, both listed as indirect holdings after the July 31, 2026 transactions.

Was Kevin Charles Gallagher’s UMBF stock sale made under a Rule 10b5-1 trading plan?

The report indicates the Rule 10b5-1 checkbox is unchecked, meaning the disclosed UMB Financial Corp stock sale was not affirmed as executed pursuant to a Rule 10b5-1 trading plan in this filing.
SEC Form 4
FORM 4UNITED 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*
Gallagher Kevin Charles

(Last)(First)(Middle)
370 17TH ST
SUITE 5600

(Street)
DENVER COLORADO 80202

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
UMB FINANCIAL CORP [ UMBF ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/31/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock07/31/2026S360D$145.1311,862.668D
Common Stock8,130.113IBy IRA
Common Stock449.139Iby Roth IRA
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
/s/ Jason Bartel, attorney-in-fact for Mr. Gallagher07/31/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)