Form 4: Rine James D reports disposition transactions in UMBF

Rhea-AI Filing Summary

Rine James D reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 937 shares at a weighted average price of $134.29 per share. Following the reported transactions, holdings were 70,680 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Rine James D

Role President

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	937	$134.29	$126K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 70,680.175 shares (Direct); Common Stock — 1,487.754 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

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^*

Rine James D

(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)
	President

3. Date of Earliest Transaction (Month/Day/Year)
02/09/2026

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	02/09/2026		F		937	D	$134.29	70,680.1751(1)	D
Common Stock								1,487.754(2)	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. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

	/s/ Jason Bartel, attorney-in-fact for Mr. Rine	02/11/2026
	** 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 President James D. Rine report?

James D. Rine reported a tax-related share disposition, not an open-market trade. On February 9, 2026, 937 shares of UMB Financial Corp common stock were disposed of at $134.29 per share to cover tax obligations tied to equity compensation.

Was the UMBF Form 4 transaction a tax-withholding or an open-market sale?

The transaction was a tax-withholding disposition, not an open-market sale. Code F on the Form 4 indicates shares were used to pay an exercise price or tax liability related to equity awards, rather than being sold at the insider’s discretion.

How many UMBF shares does James D. Rine own after the reported transaction?

After the transaction, James D. Rine beneficially owned 70,680.1751 UMB Financial Corp common shares directly. He also indirectly held 1,487.754 additional shares through an ESOP, according to the Form 4 ownership table and accompanying explanatory footnotes.

What price per share was reported for the UMBF tax-withholding disposition?

The Form 4 lists a price of $134.29 per share for the 937 common shares used in the tax-withholding disposition. This figure reflects the value applied in satisfying tax obligations associated with the underlying equity compensation transaction on that date.

How are ESOP shares reported for UMBF President James D. Rine?

ESOP shares are reported as indirect ownership. The Form 4 shows 1,487.754 UMB Financial Corp shares held “By ESOP,” with a footnote explaining these reflect ESOP allocations and dispositions since the date of his last ownership report.

What do the Form 4 footnotes for UMBF indicate about Rine’s share changes?

The footnotes state that some shares reflect dividends earned upon vesting of restricted stock units and ESOP allocations and dispositions since the last report. These notes clarify that changes partly come from plan mechanics rather than discretionary market trades by James D. Rine.