Insider filing: UMB Financial (UMBF) awards 5,523 RSUs to president

Rhea-AI Filing Summary

UMB Financial Corp President James D. Rine reported February 2026 equity transactions in company common stock. On February 7, 2026, a transaction with code F covered 857 shares at $134.32, leaving 65,999.1751 shares held directly.

On February 9, 2026, he acquired 5,523 restricted share units at $0 per share (code A), increasing his direct holdings to 71,550.1751 shares. These restricted share units vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. He also indirectly holds 1,457.281 shares through an ESOP.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Rine James D

Role President

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	5,523	$0.00	--
Tax Withholding	Common Stock	857	$134.32	$115K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 71,550.175 shares (Direct); Common Stock — 1,457.281 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

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)
02/07/2026

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	02/07/2026		F		857	D	$134.32	65,999.1751(1)	D
Common Stock	02/09/2026		A		5,523(2)	A	$0	71,550.1751	D
Common Stock								1,457.281	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. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Jason Bartel, attorney-in-fact for Mr. Rine	02/10/2026
	** 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 transactions did UMBF President James D. Rine report in February 2026?

James D. Rine reported two February 2026 transactions in UMB Financial common stock. One used transaction code F for 857 shares, and another granted 5,523 restricted share units, increasing his direct holdings to 71,550.1751 shares, plus 1,457.281 shares indirectly via an ESOP.

How many UMBF shares does James D. Rine own after the reported Form 4 transactions?

After the reported transactions, James D. Rine directly holds 71,550.1751 shares of UMB Financial common stock. He also has an indirect position of 1,457.281 shares held through an employee stock ownership plan (ESOP), reflecting his combined reported beneficial interests.

What was the size and price of the code F transaction reported by UMBF’s president?

The code F transaction involved 857 shares of UMB Financial common stock at a price of $134.32 per share. Following this transaction, James D. Rine’s directly held position stood at 65,999.1751 shares before later acquisitions increased his reported holdings.

What equity award did UMBF grant to President James D. Rine on February 9, 2026?

On February 9, 2026, UMB Financial granted James D. Rine 5,523 restricted share units at $0 per share. These units increase his direct reported holdings and represent stock-based compensation that will convert to shares as vesting conditions are satisfied over time.

What is the vesting schedule for James D. Rine’s 5,523 restricted share units at UMBF?

The 5,523 restricted share units vest in three installments: 33% on February 9, 2027, another 33% on February 9, 2028, and the remaining 34% on February 9, 2029. This creates a multi‑year equity incentive tied to his continued service with UMB Financial.

How many UMBF shares does James D. Rine hold indirectly through an ESOP?

James D. Rine reports indirect ownership of 1,457.281 shares of UMB Financial common stock through an employee stock ownership plan (ESOP). This ESOP position is reported separately from his 71,550.1751 directly held shares in the company’s common stock.