UMB Financial (UMBF) CFO reports stock grant and share disposal

Rhea-AI Filing Summary

UMB Financial Corp Chief Financial Officer Shankar Ram reported routine stock and equity award activity in company shares. On February 9, 2026, he acquired 3,136 restricted share units at $0, which are scheduled to vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029.

On February 7, 2026, he disposed of 366 shares of common stock at $134.32 per share. After these transactions, he directly owned 33,032.1405 shares, with additional indirect holdings of 1,437.179 shares through a 401(k) and 87.093 shares through an ESOP.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Shankar Ram

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	3,136	$0.00	--
Tax Withholding	Common Stock	366	$134.32	$49K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 33,032.141 shares (Direct); Common Stock — 1,437.179 shares (Indirect, By 401K)

Footnotes (1)

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

Shankar Ram

(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 Financial 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		366	D	$134.32	29,885.1405(1)	D
Common Stock	02/09/2026		A		3,136(2)	A	$0	33,032.1405	D
Common Stock								1,437.179	I	By 401K
Common Stock								87.093	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 vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Jason Bartel, attorney-in-fact for Mr. Shankar	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 CFO Shankar Ram report in February 2026?

He reported two transactions in UMB Financial Corp common stock. On February 7, 2026 he disposed of 366 shares at $134.32, and on February 9, 2026 he received 3,136 restricted share units at no cost as part of equity compensation.

How many UMBF restricted share units were granted to the CFO on February 9, 2026?

He received 3,136 restricted share units on February 9, 2026. These awards vest in three annual tranches: 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029, subject to the plan’s terms.

What is the vesting schedule for Shankar Ram’s 3,136 UMBF restricted share units?

The 3,136 restricted share units vest over three years. Specifically, 33% vest on February 9, 2027, another 33% on February 9, 2028, and the remaining 34% on February 9, 2029, assuming continued eligibility under the award.

At what price were UMBF shares disposed of by the CFO on February 7, 2026?

He disposed of 366 shares of UMB Financial Corp common stock at a price of $134.32 per share on February 7, 2026. After this transaction, his reported direct holdings were 29,885.1405 shares before the later equity grant.

How many UMBF shares does the CFO own directly and indirectly after these transactions?

Following the reported transactions, he directly owned 33,032.1405 shares of UMB Financial Corp. Indirectly, he held 1,437.179 shares through a 401(k) plan and 87.093 shares through an employee stock ownership plan (ESOP).

What do the Form 4 footnotes say about the UMBF restricted share units and dividends?

One footnote states certain amounts reflect dividends earned upon vesting of underlying restricted stock units. Another explains the 3,136 restricted share units vest 33% in 2027, 33% in 2028, and 34% in 2029, defining the award’s time-based structure.