UMB Financial (UMBF) EVP Harris reports new restricted stock units

Rhea-AI Filing Summary

UMB Financial Corp executive Amy Harris reported routine equity compensation activity. On February 7, 2026, 161 shares of common stock were withheld at $134.32 per share to cover taxes tied to restricted stock vesting. On February 9, 2026, she received 1,425 restricted stock units at no cost, which vest in stages from 2027 through 2029. After these transactions, she directly held 8,104 common shares and indirectly held 92.223 shares through an ESOP.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Harris Amy

Role EVP and Chief Legal Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,425	$0.00	--
Tax Withholding	Common Stock	161	$134.32	$22K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 8,104 shares (Direct); Common Stock — 92.223 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

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^*

Harris Amy

(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)
	EVP and Chief Legal Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/07/2026

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	02/07/2026		F		161	D	$134.32	6,675(1)	D
Common Stock	02/09/2026		A		1,425(2)	A	$0	8,104	D
Common Stock								92.223	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.

2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Jason D. Bartel, attorney-in-fact for Ms. Harris	02/10/2026
	** 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 transactions did UMBF executive Amy Harris report on this Form 4?

Amy Harris reported tax withholding and a new stock unit grant. 161 UMB Financial common shares were withheld at $134.32 for taxes, and she received 1,425 restricted stock units at no cost as part of her equity compensation.

How many UMBF shares does Amy Harris hold after the reported transactions?

After the transactions, Amy Harris directly held 8,104 UMB Financial shares. She also indirectly held 92.223 shares through an ESOP, reflecting both her personal ownership and participation in the company’s employee stock ownership plan.

What is the nature of the 1,425 UMBF restricted stock units granted to Amy Harris?

The 1,425 restricted stock units are time-vested equity awards. They vest in three installments: 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029, aligning with multi-year retention incentives.

Why were 161 UMBF shares reported with transaction code "F" for Amy Harris?

The 161 shares with code “F” were withheld to satisfy tax obligations. They relate to dividends earned upon vesting of underlying restricted stock units and were valued at $134.32 per share in this routine compensation-related transaction.

What is Amy Harris’s role at UMB Financial Corp (UMBF)?

Amy Harris serves as EVP and Chief Legal Officer at UMB Financial. As a senior executive officer, her equity awards and shareholdings are reportable, which is why these stock and restricted stock unit transactions appear on this Form 4 filing.

How are Amy Harris’s indirect UMBF holdings structured in this Form 4?

Her indirect holdings are shown through an employee stock ownership plan. The filing reports 92.223 UMB Financial common shares held indirectly, labeled “By ESOP,” separate from her directly owned 8,104 shares.