Form 4: Lewis Elizabeth Theresa reports disposition transactions in UMBF

Rhea-AI Filing Summary

Lewis Elizabeth Theresa reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 89 shares at a weighted average price of $134.29 per share. Following the reported transactions, holdings were 4,714 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Lewis Elizabeth Theresa

Role President - Consumer Banking

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	89	$134.29	$12K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 4,714 shares (Direct); Common Stock — 4.644 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^*

Lewis Elizabeth Theresa

(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 - Consumer Banking

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		89	D	$134.29	4,714(1)	D
Common Stock								4.644(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 Ms. Lewis	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 does the latest UMBF Form 4 report for Elizabeth Theresa Lewis?

The Form 4 shows Elizabeth Theresa Lewis executed a tax-withholding disposition of 89 UMB Financial Corp shares at $134.29 on February 9, 2026. This transaction relates to paying taxes on equity awards, not an open-market stock sale.

How many UMBF shares does Elizabeth Lewis own after this Form 4 transaction?

After the reported transaction, Elizabeth Lewis beneficially owns 4,714 UMB Financial Corp common shares directly. She also holds 4.644 additional shares indirectly through an employee stock ownership plan (ESOP), reflecting prior plan allocations and dispositions.

Was Elizabeth Lewis buying or selling UMBF stock in the open market?

The filing indicates a tax-withholding disposition, coded “F,” of 89 UMB Financial Corp shares. This means shares were used to satisfy tax obligations from equity compensation, rather than representing a traditional open-market purchase or sale by Lewis.

What does the ESOP holding of 4.644 UMBF shares mean for Elizabeth Lewis?

Elizabeth Lewis is reported as indirectly owning 4.644 UMB Financial Corp shares through an ESOP. This reflects cumulative employee stock ownership plan allocations and related changes since her last ownership report, as described in the filing’s explanatory footnote.

What is Elizabeth Lewis’s role at UMB Financial Corp (UMBF)?

The Form 4 identifies Elizabeth Theresa Lewis as an officer of UMB Financial Corp, serving as President – Consumer Banking. Her reporting status arises from this executive role, which requires public disclosure of changes in her beneficial ownership of company stock.