What are the vesting terms for the 1,634 UMBF restricted share units?

The 1,634 restricted share units vest in three tranches: 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. The officer receives the underlying shares as each vesting date is reached.

UMB Financial CCO gets 1,634 RSUs, sells 152 shares

Q: How many UMBF shares did the officer acquire or receive on February 9, 2026?

On February 9, 2026, the officer received 1,634 restricted share units of UMB Financial common stock at a stated price of $0. These units represent a future right to shares, vesting over three years starting February 2027.

Q: Why were 152 UMBF shares disposed of at $134.32?

The filing shows 152 common shares disposed of at $134.32 on February 7, 2026. A footnote explains this amount reflects dividends earned upon vesting of an underlying restricted stock unit, turning accumulated dividend value into shares then disposed.

Q: What is the difference between direct and indirect ownership in this UMBF Form 4?

Direct ownership includes 36,645.3105 common shares held personally by the officer. Indirect ownership covers 5,004.343 shares held “By ESOP,” meaning through an employee stock ownership plan, where the economic interest is beneficial but not held in his own name.

UMB Financial Corp Chief Credit Officer Terry S. Terry reported routine equity transactions in company common stock.

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Rhea-AI Filing Summary

UMB Financial Corp Chief Credit Officer Terry S. Terry reported routine equity transactions in company common stock. On February 7, 2026, 152 shares were disposed of at $134.32, reflecting dividends earned upon vesting of an underlying restricted stock unit, leaving 35,004.3105 directly held shares.

On February 9, 2026, he received an award of 1,634 restricted share units at a stated price of $0. These units vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. After this award, he directly owned 36,645.3105 common shares and indirectly held 5,004.343 shares through an ESOP.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Terry Thomas S

Role Chief Credit Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,634	$0.00	$0.00
Exercise Price or Tax Liability	Common Stock	152	$134.32	$20K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 36,645.3105 shares (Direct); Common Stock — 5,004.343 shares (Indirect, By ESOP)

Footnotes (2)

F1. Reflects dividends earned upon vesting of the underlying restricted stock unit.
F2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

FAQ

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What insider transactions did UMBF Chief Credit Officer report?

UMB Financial Corp Chief Credit Officer Terry S. Terry reported one share disposition and one equity award. He disposed of 152 common shares at $134.32 and received 1,634 restricted share units, which will vest in stages between 2027 and 2029.

How many UMBF shares did the officer acquire or receive on February 9, 2026?

On February 9, 2026, the officer received 1,634 restricted share units of UMB Financial common stock at a stated price of $0. These units represent a future right to shares, vesting over three years starting February 2027.

Why were 152 UMBF shares disposed of at $134.32?

The filing shows 152 common shares disposed of at $134.32 on February 7, 2026. A footnote explains this amount reflects dividends earned upon vesting of an underlying restricted stock unit, turning accumulated dividend value into shares then disposed.

How many UMBF shares does the Chief Credit Officer own after these transactions?

Following the reported transactions, the officer directly owned 36,645.3105 UMB Financial common shares. He also indirectly held 5,004.343 shares through an employee stock ownership plan (ESOP), which is listed separately as indirect beneficial ownership.

What is the difference between direct and indirect ownership in this UMBF Form 4?

Direct ownership includes 36,645.3105 common shares held personally by the officer. Indirect ownership covers 5,004.343 shares held “By ESOP,” meaning through an employee stock ownership plan, where the economic interest is beneficial but not held in his own name.

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

Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 02/10/2026 - 04:21 PM

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

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)
02/07/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	02/07/2026		F		152	D	$134.32	35,004.3105⁽¹⁾	D
Common Stock	02/09/2026		A		1,634⁽²⁾	A	$0	36,645.3105	D
Common Stock								5,004.343	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Reflects dividends earned upon vesting of the underlying restricted stock unit.

2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry	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.

Source: View Original Filing on SEC EDGAR