Director John K. Schmidt adds 786 UMB Financial Corp (UMBF) shares

Rhea-AI Filing Summary

UMB Financial Corp director John K. Schmidt reported acquiring additional company stock. On 01/30/2026, he acquired 786 shares of UMB Financial common stock at $127.14 per share. Following this transaction, he directly owns 33,254 common shares. Indirect holdings are reported as 0 shares through a 401(k) and 21,818 shares held indirectly through his spouse.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider SCHMIDT JOHN K

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	786	$127.14	$100K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 33,254 shares (Direct); Common Stock — 0 shares (Indirect, 401(k))

Footnotes (1)

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^*

SCHMIDT JOHN K

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/30/2026

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	01/30/2026		A		786	A	$127.14	33,254	D
Common Stock								0	I	401(k)
Common Stock								21,818	I	by Spouse

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:

	/s/ Debbie Lanemann, POA from Mr. Schmidt	02/02/2026
	** 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 director John K. Schmidt report?

Director John K. Schmidt reported acquiring 786 shares of UMB Financial common stock. The transaction took place on January 30, 2026, and was coded as an acquisition, increasing his directly held stake in the company.

At what price did John K. Schmidt acquire UMBF shares?

John K. Schmidt acquired 786 shares of UMB Financial common stock at $127.14 per share. This price reflects the per-share value reported for the January 30, 2026 acquisition coded as an "A" transaction on the Form 4.

How many UMBF shares does John K. Schmidt own after the reported transaction?

After the January 30, 2026 transaction, John K. Schmidt directly owns 33,254 shares of UMB Financial common stock. This total reflects his direct beneficial ownership following the 786-share acquisition disclosed in the Form 4 filing.

What indirect UMBF share holdings are reported for John K. Schmidt?

Indirectly, John K. Schmidt reports 0 UMB Financial shares through a 401(k) and 21,818 shares held by his spouse. These positions are listed as indirect beneficial ownership interests, separate from his 33,254 directly held common shares.

What is John K. Schmidt’s relationship to UMB Financial Corp (UMBF)?

John K. Schmidt is identified as a director of UMB Financial Corp. The Form 4 indicates he is not a 10% owner and does not report any officer role, focusing solely on his status as a board-level director of the company.

What type of SEC form disclosed John K. Schmidt’s UMBF share acquisition?

The acquisition was disclosed on a Form 4, which reports insider transactions in company securities. This filing shows Schmidt’s January 30, 2026 acquisition of 786 UMB Financial common shares and his updated direct and indirect beneficial ownership totals.