UMB Financial Corp (UMBF) CFO logs Form 4 tax withholding stock transaction

Rhea-AI Filing Summary

UMB Financial Corp's Chief Financial Officer reported a routine share transaction in company stock. On 12/31/2025, the officer disposed of 926 shares of common stock in a transaction coded "F" at a price of $115.04 per share, which typically reflects shares withheld to cover taxes on equity awards.

Following this transaction, the officer beneficially owned 30,251.1405 shares of UMB Financial common stock directly, 1,437.179 shares through a 401(k) plan, and 87.093 shares through an employee stock ownership plan. This filing reflects an administrative adjustment to holdings rather than an open‑market trade.

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^*

Shankar Ram

(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 Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
12/31/2025

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	12/31/2025		F		926	D	$115.04	30,251.1405	D
Common Stock								1,437.179	I	By 401K
Common Stock								87.093	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:

	/s/ Jason Bartel, attorney-in-fact for Mr. Shankar	01/02/2026
	** 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's CFO report on this Form 4?

The Chief Financial Officer of UMB Financial Corp (UMBF) reported a transaction on 12/31/2025 coded "F," involving the disposal of 926 shares of common stock at $115.04 per share, typically representing shares withheld to cover taxes on equity compensation.

How many UMBF shares does the CFO own after this reported transaction?

After the 12/31/2025 transaction, the CFO beneficially owned 30,251.1405 UMB Financial common shares directly, plus 1,437.179 shares through a 401(k) plan and 87.093 shares through an ESOP.

Was the UMBF CFO’s transaction an open-market purchase or sale?

The transaction is coded "F", which indicates shares were disposed of to pay taxes on equity awards rather than an open‑market purchase or sale of UMB Financial Corp common stock.

What is the role of the reporting person in UMB Financial Corp (UMBF)?

The reporting person is an officer of UMB Financial Corp, serving as the company’s Chief Financial Officer as identified in the filing.

Is this UMBF Form 4 filed for one insider or multiple reporting persons?

The Form 4 is indicated as being filed by one reporting person, not by a group or multiple insiders.

Who signed the UMBF Form 4 for this transaction?

The Form 4 was signed by /s/ Jason Bartel as attorney‑in‑fact for Mr. Shankar, the reporting person.