UMB Financial (UMBF) director adds 786 common shares

Rhea-AI Filing Summary

UMB Financial Corp director Margaret Lazo reported acquiring additional company stock. On 01/30/2026, she acquired 786 shares of UMB Financial Corp common stock at $127.14 per share. After this transaction, she directly beneficially owned 4,446 shares of the company’s common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Lazo Margaret

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	786	$127.14	$100K

Holdings After Transaction: Common Stock — 4,446 shares (Direct)

Footnotes (1)

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^*

Lazo Margaret

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
01/30/2026

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	01/30/2026		A		786	A	$127.14	4,446	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. Lazo	02/02/2026
	** 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 director Margaret Lazo report?

Director Margaret Lazo reported acquiring UMB Financial Corp common stock. On 01/30/2026, she obtained 786 shares, increasing her directly held position in the company. This routine Form 4 filing discloses her updated ownership for transparency under U.S. securities regulations.

How many UMBF shares did Margaret Lazo acquire and at what price?

Margaret Lazo acquired 786 shares of UMB Financial Corp common stock. The reported transaction price was $127.14 per share. This acquisition is recorded as a non-derivative transaction and updates her disclosed ownership in the company’s equity.

What is Margaret Lazo’s UMBF share ownership after this Form 4?

After the reported transaction, Margaret Lazo beneficially owned 4,446 shares of UMB Financial Corp common stock. The filing shows these shares as directly owned, reflecting her updated stake following the 786-share acquisition on 01/30/2026.

What role does the reporting person hold at UMB Financial Corp (UMBF)?

The reporting person, Margaret Lazo, is identified as a director of UMB Financial Corp. As a director, she is required to file Form 4 reports when her beneficial ownership of the company’s equity securities changes due to acquisitions or dispositions.

What type of security did UMBF director Margaret Lazo acquire?

Margaret Lazo acquired UMB Financial Corp common stock. The Form 4 classifies the transaction as involving non-derivative securities, meaning it relates directly to the company’s common shares rather than options, warrants, or other derivative instruments.