Director Kevin Gallagher adds UMB Financial (UMBF) shares in reported acquisition

Rhea-AI Filing Summary

UMB Financial Corp director Kevin Charles Gallagher reported acquiring 786 shares of UMB Financial common stock on January 30, 2026 at a price of $127.14 per share. After this transaction, he directly beneficially owned 12,875.668 shares of common stock.

He also reported indirectly beneficially owning 8,130.113 shares of common stock through an IRA and 449.139 shares through a Roth IRA as of the same date. No derivative securities positions were reported.

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^*

Gallagher Kevin Charles

(Last) (First) (Middle)

370 17TH ST

SUITE 5600

(Street)

DENVER CO 80202

(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
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/30/2026

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	01/30/2026		A		786	A	$127.14	12,875.668	D
Common Stock								8,130.113	I	By IRA
Common Stock								449.139	I	by Roth IRA

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/ Debbie Lanemann, POA from Mr. Gallagher	02/02/2026
	** 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 director Kevin Gallagher report?

Kevin Charles Gallagher reported acquiring 786 shares of UMB Financial Corp (UMBF) common stock on January 30, 2026. The shares were acquired at a price of $127.14 per share, increasing his directly held position in the company.

What is Kevin Gallagher’s direct UMBF shareholding after this Form 4?

After the reported transaction, Kevin Charles Gallagher beneficially owned 12,875.668 shares of UMB Financial Corp common stock directly. This figure reflects his updated direct holdings following the acquisition of 786 additional shares reported for January 30, 2026.

How many UMBF shares does Kevin Gallagher hold through retirement accounts?

Kevin Charles Gallagher reported indirectly owning 8,130.113 UMB Financial Corp shares through an IRA and 449.139 shares through a Roth IRA. These indirect holdings are reported separately from his directly held 12,875.668 shares.

What transaction code was used in Kevin Gallagher’s UMBF Form 4 filing?

The Form 4 for Kevin Charles Gallagher lists transaction code “A” for the January 30, 2026 acquisition of 786 shares of UMB Financial Corp common stock. Code “A” indicates an acquisition of securities, as opposed to a sale or other disposition.

Did Kevin Gallagher report any derivative securities for UMBF?

No derivative securities were reported for Kevin Charles Gallagher in this Form 4. The filing’s Table II, which covers options, warrants, or other derivatives, shows no entries, indicating only common stock holdings and acquisitions were reported for UMB Financial Corp.

Is Kevin Gallagher a 10% owner of UMB Financial Corp according to this filing?

According to this Form 4, Kevin Charles Gallagher is reported as a director of UMB Financial Corp and not as a 10% owner. The 10% owner box is not checked, indicating he is below that ownership threshold based on reported holdings.