Director at UMB Financial (UMBF) receives 116-share stock award

Rhea-AI Filing Summary

Lazo Margaret reported acquisition or exercise transactions in this Form 4 filing.

UMB Financial Corp director Margaret Lazo received an equity award of 116 shares of Common Stock on May 1, 2026. The shares were valued at $129.24 per share for reporting purposes. Following this non‑market grant, she directly holds a total of 4,562 common shares.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Lazo Margaret

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	116	$129.24	$15K

Holdings After Transaction: Common Stock — 4,562 shares (Direct, null)

Footnotes (1)

Key Figures

Equity award size: 116 shares Reported share value: $129.24 per share Shares held after grant: 4,562 shares

3 metrics

Equity award size 116 shares Common Stock grant to director on May 1, 2026

Reported share value $129.24 per share Valuation used for the 116-share grant

Shares held after grant 4,562 shares Director’s direct Common Stock holdings post-transaction

Key Terms

Form 4, Common Stock, Grant, award, or other acquisition

3 terms

Form 4 regulatory

"INSIDER FILING DATA (Form 4):"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Common Stock financial

""security_title": "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Grant, award, or other acquisition financial

""transaction_code_description": "Grant, award, or other acquisition""

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^*

Lazo Margaret

(Last) (First) (Middle)

1010 GRAND BLVD

(Street)

KANSAS CITY MISSOURI 64106

(City) (State) (Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	05/01/2026		A		116	A	$129.24	4,562	D

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 Ms. Lazo	05/04/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did UMBF director Margaret Lazo report?

Director Margaret Lazo reported receiving 116 shares of UMB Financial Common Stock as an equity award. The grant was recorded at a value of $129.24 per share and reflects compensation, not an open-market stock purchase or sale.

Was the UMBF director transaction a stock purchase or a grant?

The transaction was a grant, not a market purchase. Margaret Lazo received 116 shares of Common Stock as a compensation award, coded as an acquisition (Code A), which typically represents grants or awards rather than open-market buying activity.

What price per share was used for Margaret Lazo’s UMBF stock grant?

The reported price per share for the grant was $129.24. This figure is used for disclosure and valuation in the Form 4 and does not necessarily represent a price she paid, since the transaction reflects an equity award, not a cash purchase.

How many UMBF shares does Margaret Lazo hold after this transaction?

After receiving the 116-share award, Margaret Lazo directly holds 4,562 shares of UMB Financial Common Stock. This total reflects her direct ownership position immediately following the reported Form 4 transaction on May 1, 2026.

Does the Form 4 for UMBF indicate any stock sales by Margaret Lazo?

The Form 4 does not report any stock sales. It shows only a single acquisition transaction coded as a grant or award of 116 Common Stock shares, increasing her direct holdings to 4,562 shares with no dispositions disclosed.