Form 4: Terry Thomas S reports disposition transactions in UMBF

Rhea-AI Filing Summary

Terry Thomas S reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 57 shares at a weighted average price of $132.16 per share. Following the reported transactions, holdings were 36,402 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Terry Thomas S

Role Chief Credit Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	57	$132.16	$8K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 36,402.311 shares (Direct); Common Stock — 5,087.897 shares (Indirect, By ESOP)

Footnotes (1)

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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^*

Terry Thomas S

(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 Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/11/2026

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	02/11/2026		F		57	D	$132.16	36,402.3105(1)	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. Reflects dividends earned upon vesting of the underlying restricted stock unit.

	/s/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry	02/13/2026
	** 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 report for February 11, 2026?

UMB Financial Corp reported a tax-withholding disposition of 57 common shares on February 11, 2026. Chief Credit Officer Terry Thomas S used shares, valued at $132.16 each, to cover tax obligations tied to equity compensation dividends.

Who is the insider in the latest UMBF Form 4 filing and what is their role?

The insider is Terry Thomas S, who serves as Chief Credit Officer at UMB Financial Corp. The Form 4 shows his equity-related tax transaction and ongoing beneficial ownership in both directly held shares and shares held through an ESOP.

How many UMBF shares did the insider dispose of in the reported transaction?

The insider disposed of 57 UMB Financial Corp common shares. The transaction used the shares, priced at $132.16 each, to satisfy tax liabilities associated with vested restricted stock unit dividends, rather than reflecting an open-market sale.

What are the Chief Credit Officer’s UMBF share holdings after the Form 4 transaction?

After the reported transaction, the Chief Credit Officer directly owned 36,402.3105 UMB Financial Corp common shares. He also had indirect beneficial ownership of an additional 5,087.897 shares held through an employee stock ownership plan (ESOP).

What does the footnote in the UMBF Form 4 filing explain about the shares?

The footnote explains the shares reflect dividends earned when restricted stock units vested. This clarifies that the reported tax-withholding disposition is tied to equity award mechanics, not to a discretionary purchase or sale in the open market.

Is the reported UMBF insider transaction an open-market sale or a tax event?

The reported transaction is a tax event, not an open-market sale. It is coded as a tax-withholding disposition, where 57 UMB Financial Corp shares were delivered to cover tax liabilities related to vesting restricted stock unit dividends.