Director at UMB Financial (UMBF) receives 116-share stock award

Rhea-AI Filing Summary

Davidson Janine reported acquisition or exercise transactions in this Form 4 filing.

UMB Financial Corp director Janine Davidson reported a compensation-related stock award. She received 116 shares of UMB Financial common stock on May 1, 2026 at a reference value of $129.24 per share. Following this grant, her direct holdings increased to 4,942 shares of common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Davidson Janine

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	116	$129.24	$15K

Holdings After Transaction: Common Stock — 4,942 shares (Direct, null)

Footnotes (1)

Key Figures

Shares awarded: 116 shares Reference share value: $129.24 per share Shares held after transaction: 4,942 shares

3 metrics

Shares awarded 116 shares Common Stock grant on May 1, 2026

Reference share value $129.24 per share Value used for the 116-share award

Shares held after transaction 4,942 shares Direct holdings following the award

Key Terms

Grant, award, or other acquisition, non-derivative, direct ownership

3 terms

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

non-derivative financial

"transaction_type: non-derivative"

direct ownership financial

"ownership_type: direct"

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^*

Davidson Janine

(Last) (First) (Middle)

890 AURARIA PARKWAY

(Street)

DENVER COLORADO 80204

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

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	05/01/2026		A		116	A	$129.24	4,942	D

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 Ms. Davidson	05/04/2026
	** 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)

FAQ

What insider transaction did Janine Davidson report for UMBF?

Janine Davidson reported receiving a grant of UMB Financial Corp common stock. The Form 4 shows a compensation-related award of 116 common shares on May 1, 2026, rather than an open-market purchase or sale transaction in UMBF shares.

How many UMB Financial (UMBF) shares were granted to Janine Davidson?

She was granted 116 shares of UMB Financial common stock. This award was reported at a reference value of $129.24 per share and increased her directly owned position to a total of 4,942 common shares after the transaction.

Was Janine Davidson’s UMBF transaction a purchase or a stock award?

The transaction was a stock award, not an open-market purchase. It is coded as a grant or award acquisition (transaction code A), indicating compensation in the form of 116 UMB Financial common shares rather than a voluntary market trade.

What are Janine Davidson’s UMBF holdings after this Form 4 transaction?

After the reported award, Janine Davidson directly holds 4,942 UMB Financial common shares. This total reflects her position immediately following receipt of the 116-share grant reported in the Form 4 filed for the May 1, 2026 transaction date.

How is the UMBF insider transaction classified on the Form 4?

The transaction is classified as a non-derivative acquisition coded “A.” This denotes a grant, award, or other acquisition of 116 shares of UMB Financial common stock, held directly, rather than a sale, option exercise, tax withholding, or derivative transaction.