Director Greg M. Graves adds UMB Financial (UMBF) shares in open-market buy

Rhea-AI Filing Summary

UMB Financial Corp. director Greg M. Graves reported a small open-market purchase of company stock. On February 2, 2026, he bought 220.0102 shares of common stock at a price of $127.835 per share, coded as a purchase transaction. Following this trade, he beneficially owns 39,540.8524 shares of UMB Financial common stock in direct ownership.

Insider Trade Summary

Net Buyer: 220.01 shares ($28,125)

Net Buy 1 txn

Insider GRAVES GREG M

Role Director

Bought 220.01 shs ($28K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	220.01	$127.835	$28K

Holdings After Transaction: Common Stock — 39,540.852 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^*

GRAVES GREG M

(Last) (First) (Middle)

5085 W 177TH TER

(Street)

STILWELL KS 66085

(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)
02/02/2026

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	02/02/2026		P		220.0102	A	$127.835	39,540.8524	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/ Megan L. Mercer, attorney-in-fact for Mr. Graves	02/03/2026
	** 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 Greg M. Graves report?

Director Greg M. Graves reported buying 220.0102 shares of UMB Financial common stock. The open-market purchase occurred on February 2, 2026 at a price of $127.835 per share, increasing his directly held beneficial ownership.

At what price did Greg M. Graves buy UMBF shares on February 2, 2026?

He bought UMB Financial Corp. common stock at $127.835 per share. The Form 4 shows a code “P” transaction for 220.0102 shares, reflecting an open-market or privately negotiated purchase at that price.

How many UMBF shares does Greg M. Graves own after this Form 4 transaction?

After the reported trade, Greg M. Graves beneficially owns 39,540.8524 UMB Financial common shares. The filing classifies this as direct ownership, meaning the shares are held in his own name rather than through an intermediary entity.

Is the February 2, 2026 UMBF insider transaction a purchase or a sale?

The transaction is a purchase of UMB Financial common stock. The Form 4 lists transaction code “P,” which indicates an open-market or privately negotiated acquisition of 220.0102 shares at a price of $127.835 per share.

What role does Greg M. Graves hold at UMB Financial Corp. (UMBF)?

Greg M. Graves is identified as a director of UMB Financial Corp. The Form 4 indicates his relationship to the issuer by checking the “Director” box, with no officer or 10% owner status selected in the report.