UMB Financial (UMBF) EVP reports 83-share tax-withholding stock move

Rhea-AI Filing Summary

UMB Financial Corp executive Uma Wilson reported a routine insider transaction involving company stock. On February 11, 2026, Wilson had 83 shares of common stock withheld at $132.16 per share to cover tax obligations related to equity compensation.

After this tax-withholding disposition, Wilson beneficially owned 24,414.9167 shares of UMB Financial common stock directly and 294.876 shares indirectly through an ESOP. A footnote explains the position reflects dividends earned upon vesting of underlying restricted stock units, indicating the shares are tied to prior equity awards.

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^*

Wilson Uma

(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)
	Executive Vice President

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		83	D	$132.16	24,414.9167(1)	D
Common Stock								294.876	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 Ms. Wilson	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 Uma Wilson report at UMB Financial (UMBF)?

Uma Wilson reported a tax-related insider transaction at UMB Financial involving company common stock. On February 11, 2026, 83 shares were disposed of at $132.16 per share to satisfy tax obligations tied to equity compensation, rather than an open-market sale.

What does transaction code F mean in Uma Wilson’s UMBF Form 4 filing?

Code F indicates a tax-withholding disposition rather than a typical buy or sell. For Uma Wilson, 83 shares of UMB Financial common stock were withheld at $132.16 per share to pay exercise price or tax liabilities associated with equity awards, including restricted stock units.

How many UMB Financial (UMBF) shares does Uma Wilson own after this Form 4?

After the reported transaction, Uma Wilson beneficially owns 24,414.9167 UMB Financial common shares directly. She also has an additional 294.876 shares held indirectly through an ESOP, reflecting both prior awards and dividends linked to vested restricted stock units.

Was Uma Wilson’s UMBF transaction an open-market stock sale?

The filing shows a tax-withholding disposition, not an open-market sale. Code F specifies that 83 UMB Financial shares were delivered at $132.16 per share to cover tax obligations or exercise price on equity awards, typical for restricted stock or similar compensation.

What role does Uma Wilson hold at UMB Financial (UMBF)?

Uma Wilson is identified as an officer of UMB Financial, serving as Executive Vice President. Her Form 4 filing reflects transactions in company common stock related to her compensation, including tax-withholding and shares tied to restricted stock unit dividends.

What does the ESOP holding in Uma Wilson’s UMBF Form 4 represent?

The Form 4 reports 294.876 UMB Financial shares held indirectly "By ESOP." This indicates beneficial ownership through an employee stock ownership plan, separate from her 24,414.9167 directly held shares, and likely tied to her status as an employee and executive.