Form 4: Newton Nikki Farentino reports disposition transactions in UMBF

Rhea-AI Filing Summary

Newton Nikki Farentino reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 87 shares at a weighted average price of $132.16 per share. Following the reported transactions, holdings were 13,981 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Newton Nikki Farentino

Role President, Private Wealth Mgmt

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	87	$132.16	$11K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 13,980.81 shares (Direct); Common Stock — 75.575 shares (Indirect, By ESOP)

Footnotes (1)

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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^*

Newton Nikki Farentino

(Last) (First) (Middle)

1010 GRAND BOULEVARD

(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, Private Wealth Mgmt

3. Date of Earliest Transaction (Month/Day/Year)
02/11/2026

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	02/11/2026		F		87	D	$132.16	13,980.81(1)	D
Common Stock								75.575	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.

	/s/ Jason Bartel, attorney-in-fact for Mr. Newton	02/13/2026
	** 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 executive Nikki Farentino Newton report?

Nikki Farentino Newton reported a tax-withholding share disposition. On February 11, 2026, 87 shares of UMB Financial common stock were withheld at $132.16 per share to satisfy tax liabilities associated with equity compensation rather than being sold in an open-market transaction.

How many UMBF shares does Nikki Farentino Newton own after this Form 4 filing?

Newton reported owning 13,980.81 UMBF shares directly after the transaction. The Form 4 also shows indirect beneficial ownership of 75.575 shares through an ESOP, reflecting equity compensation and related dividends as of the reported February 11, 2026 date.

What does transaction code F mean in the UMBF Form 4 filing?

Transaction code F indicates a tax-withholding disposition. In this case, 87 UMB Financial common shares were used to pay the exercise price or tax liability tied to equity awards, rather than representing a discretionary open-market sale by the reporting person.

What role does Nikki Farentino Newton hold at UMB Financial Corp (UMBF)?

Nikki Farentino Newton is an officer at UMB Financial. The Form 4 identifies Newton’s position as President, Private Wealth Management, which explains why these insider equity compensation and tax-withholding transactions must be disclosed under Section 16 reporting rules.

What does the restricted stock unit footnote in the UMBF Form 4 explain?

The footnote explains additional shares from RSU-related dividends. It states that certain reported shares reflect dividends earned upon vesting of the underlying restricted stock unit, clarifying that some fractional holdings arise from dividend equivalents tied to those equity awards.