[Form 4] UMB FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

UMB Financial (UMBF) reported an insider equity award. The Chairman and CEO, a director and officer, acquired 5,613 shares on 10/31/2025 at $0, reported as restricted share units. Following the transaction, direct beneficial ownership is 329,479.2177 shares. The award vests 33% on October 31, 2026, 33% on October 31, 2027, and 34% on October 31, 2028. Additional indirect holdings are reported through family trusts and affiliated entities.

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^*

KEMPER J MARINER

(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
X	Officer (give title below)		Other (specify below)
	Chairman and CEO

3. Date of Earliest Transaction (Month/Day/Year)
10/31/2025

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	10/31/2025		A		5,613(1)	A	$0	329,479.2177	D
Common Stock								1,000	I	By Daughter - Custodial Brokerage Account
Common Stock								2,309.08	I	By Esop
Common Stock								1,000	I	By Son - Custodial Brokerage Account
Common Stock								0	I	By Trust - RC Kemper For John
Common Stock								21,460	I	By Trust - TUW RC Kemper For John Mariner
Common Stock								12,558	I	By Trust: Mary S Hunt Trust
Common Stock								8,000	I	By Trust: Megan Kemper Trust
Common Stock								288,945	I	Held by Kemper Realty
Common Stock								392,029	I	Held by Pioneer Service Corporation
Common Stock								1,536,781	I	By Trust - RC Kemper Irrevocable Trust

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. These restricted share units vest: 33% on October 31, 2026; 33% on October 31, 2027; and 34% on October 31, 2028.

	/s/ Jason Bartel, attorney-in-fact for Mr. Kemper	11/04/2025
	** 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 did UMBF disclose in this Form 4?

An insider acquisition of 5,613 shares on 10/31/2025, reported as restricted share units at $0.

What is the vesting schedule for the 5,613 RSUs at UMBF?

They vest 33% on Oct 31, 2026; 33% on Oct 31, 2027; and 34% on Oct 31, 2028.

What is the insider’s direct ownership after the transaction at UMBF?

Direct beneficial ownership is 329,479.2177 shares after the reported transaction.

Who is the reporting person in the UMBF Form 4?

The reporting person is the company’s Chairman and CEO and also a Director.

Were indirect holdings disclosed for the UMBF insider?

Yes. Indirect holdings are listed through family custodial accounts, trusts, and affiliated entities.

What was the transaction code for the UMBF Form 4 entry?

The filing shows an A code, indicating an acquisition, with price reported as $0.