Form 4: Johnson Shannon Andresen reports disposition transactions in UMBF

Rhea-AI Filing Summary

Johnson Shannon Andresen reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 124 shares at a weighted average price of $132.16 per share. Following the reported transactions, holdings were 34,775 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Johnson Shannon Andresen

Role Chief Administrative Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	124	$132.16	$16K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 34,775.125 shares (Direct); Common Stock — 351.131 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^*

Johnson Shannon Andresen

(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 Administrative Officer

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		124	D	$132.16	34,775.1252(1)	D
Common Stock								351.131	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 D. Bartel, attorney-in-fact for Ms. Johnson	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 officer Shannon Andresen Johnson report?

Shannon Andresen Johnson reported a tax-withholding disposition of 124 shares of UMB Financial Corp common stock. The transaction, dated February 11, 2026, used code "F," meaning shares were withheld to cover tax obligations, not sold in an open-market transaction.

At what price were the UMBF shares used for tax withholding by the officer?

The 124 UMB Financial Corp shares used for tax withholding were valued at $132.16 per share. This price is the transaction price reported for the shares disposed of under code "F," which indicates payment of tax liability by delivering securities.

How many UMBF shares does Shannon Andresen Johnson own after the reported transaction?

Following the reported transaction, Shannon Andresen Johnson beneficially owned 34,775.1252 shares of UMB Financial Corp common stock directly. The filing also shows an additional 351.131 shares held indirectly through an ESOP, reflecting both personal and plan-related holdings.

What does the Form 4 footnote about dividends and restricted stock units mean for UMBF?

The footnote explains that the reported share amount reflects dividends earned upon vesting of an underlying restricted stock unit. This means some of the shares listed arose from dividend equivalents credited to the restricted stock unit, which became shares when the award vested.

What role does Shannon Andresen Johnson hold at UMB Financial Corp (UMBF)?

Shannon Andresen Johnson is identified as the Chief Administrative Officer of UMB Financial Corp. The Form 4 confirms officer status and indicates the filing is by one reporting person, reflecting transactions and holdings associated with this executive role.

What type of ownership does the ESOP holding for UMBF shares represent?

The 351.131 UMB Financial Corp shares are reported as indirectly owned "By ESOP." This indicates the shares are held through an employee stock ownership plan, classified as indirect beneficial ownership rather than shares held directly in the officer’s personal account.