Form 4: Odgers David Carl reports disposition transactions in UMBF

Rhea-AI Filing Summary

Odgers David Carl reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 18 shares at a weighted average price of $132.16 per share. Following the reported transactions, holdings were 6,648 shares.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Odgers David Carl

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	18	$132.16	$2K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 6,648.41 shares (Direct); Common Stock — 307.686 shares (Indirect, By 401K)

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^*

Odgers David Carl

(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)
	Chief Accounting 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		18	D	$132.16	6,648.41	D
Common Stock								307.686	I	By 401K
Common Stock								306.886	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:

	/s/ Jason D. Bartel, attorney-in-fact for Mr. Odgers	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’s Chief Accounting Officer report?

UMB Financial Corp’s Chief Accounting Officer, David Carl Odgers, reported disposing of 18 common shares on February 11, 2026. The transaction used shares, priced at $132.16 each, to satisfy tax withholding obligations rather than representing a discretionary open-market sale.

Was the UMBF insider transaction a tax-withholding event or an open-market sale?

The Form 4 shows a tax-withholding disposition coded “F,” not an open-market sale. Shares were delivered at $132.16 each to cover tax liabilities associated with equity compensation, a common administrative transaction for company insiders.

How many UMBF shares does David Carl Odgers hold after the reported transaction?

After the February 11, 2026 transaction, David Carl Odgers beneficially owns 6,648.41 UMB Financial Corp common shares directly. He also holds 307.686 shares indirectly through a 401(k) plan and 306.886 shares indirectly through an ESOP, according to the filing.

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

Transaction code F indicates shares were used to pay an exercise price or satisfy tax withholding obligations. In this case, 18 UMB Financial Corp common shares were disposed of to cover tax liabilities tied to equity compensation, rather than a voluntary stock sale.

How is David Carl Odgers related to UMB Financial Corp (UMBF)?

David Carl Odgers is an officer of UMB Financial Corp, serving as Chief Accounting Officer. The Form 4 confirms his role and reports his direct and indirect beneficial ownership positions in the company’s common stock as of the transaction date.