UMB Financial (UMBF) credit chief sells shares, still holds 30K+

Rhea-AI Filing Summary

UMB FINANCIAL CORP (UMBF) reported that officer Terry Thomas S, Chief Credit Officer, sold 5,713 shares of common stock on 2026-08-17 in an open-market or private transaction at a weighted average price of $151.77 per share, with individual trade prices ranging from $151.53 to $152.09. After this sale, Thomas directly holds 30,689.3105 shares and indirectly holds 5,087.897 shares through an ESOP. The transaction was not affirmatively reported as being under a Rule 10b5-1 trading plan.

Insider Trade Summary

Net Seller: 5,713 shares

Net Sell 2 txns

Insider Terry Thomas S

Role Chief Credit Officer

Sold 5,713 shs ($867K)

Type	Security	Shares	Price	Value
Sale	Common Stock F1	5,713	$151.77	$867K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 30,689.3105 shares (Direct); Common Stock — 5,087.897 shares (Indirect, By ESOP)

Footnotes (1)

1. F1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $151.53 to $152.09, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.

Key Figures

Shares sold: 5,713 shares Weighted average sale price: $151.77 per share Sale price range: $151.53 to $152.09 per share +3 more

6 metrics

Shares sold 5,713 shares Common Stock sale on 2026-08-17 by Chief Credit Officer Terry Thomas S

Weighted average sale price $151.77 per share Weighted average price for 5,713 shares sold on 2026-08-17

Sale price range $151.53 to $152.09 per share Range of individual trade prices for the reported sale

Direct holdings after transaction 30,689.3105 shares Direct UMBF common stock owned by Terry Thomas S after sale

Indirect ESOP holdings 5,087.897 shares Indirect ownership "By ESOP" reported as of 2026-08-17

Net buy/sell shares 5,713 shares net-sell Net effect of reported insider transactions in this Form 4

Key Terms

weighted average price, open market or private transaction, ESOP

3 terms

weighted average price financial

"The price reported in Column 4 is a weighted average price."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

open market or private transaction financial

"transaction code description "Sale in open market or private transaction""

ESOP financial

"Indirect ownership nature of ownership listed as "By ESOP""

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

FAQ

What insider transaction did UMBF report for Chief Credit Officer Terry Thomas S?

UMB FINANCIAL CORP reported that Chief Credit Officer Terry Thomas S sold 5,713 shares of common stock on 2026-08-17. The sale occurred in open-market or private transactions at a weighted average price of $151.77 per share.

At what price did Terry Thomas S sell UMBF shares on August 17, 2026?

Terry Thomas S sold UMBF common stock at a weighted average price of $151.77 per share. Individual trades that day were executed at prices ranging from $151.53 to $152.09, according to the company’s Form 4 disclosure.

How many UMBF shares does Terry Thomas S hold after the reported sale?

Following the reported sale, Terry Thomas S directly holds 30,689.3105 UMBF shares. He also has an indirect holding of 5,087.897 shares through an ESOP, as shown in the ownership entries on the Form 4.

Was the August 17, 2026 UMBF share sale by Terry Thomas S under a Rule 10b5-1 plan?

The Form 4 indicates the Rule 10b5-1 checkbox was not checked, so the transaction was not affirmatively reported as made under a Rule 10b5-1 trading plan. No separate plan-related footnote is provided.

Does Terry Thomas S have indirect ownership of UMBF stock after the transaction?

Yes. In addition to his direct holdings, Terry Thomas S has 5,087.897 UMBF shares held indirectly "By ESOP". This reflects shares associated with an employee stock ownership plan reported as indirect ownership on the Form 4.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 08/18/2026 - 04:17 PM Accepted by SEC EDGAR 08/18/2026 - 04:16 PM Learn about SEC filing dates

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 MISSOURI 64106

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/17/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form 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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/17/2026		S		5,713	D	$151.77(1)	30,689.3105	D
Common Stock								5,087.897	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. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $151.53 to $152.09, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.

	/s/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry	08/18/2026
	** 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.
* Form 4: SEC 1474 (03-26)