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

Rhea-AI Filing Summary

UMB Financial Corp director Greg M. Graves received a grant of 116 shares of Common Stock valued at $129.24 per share. This was recorded as a grant, award, or other acquisition rather than an open-market purchase. Following this award, he directly holds 39,786.2276 shares, which include shares accumulated through the company’s dividend reinvestment plan.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider GRAVES GREG M

Role null

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

Holdings After Transaction: Common Stock — 39,786.228 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Shares granted: 116 shares Grant value per share: $129.24 per share Total shares after transaction: 39,786.2276 shares +1 more

4 metrics

Shares granted 116 shares Common Stock grant on 2026-05-01

Grant value per share $129.24 per share Value used for the 116-share award

Total shares after transaction 39,786.2276 shares Direct holdings following the grant

Net buy/sell shares 0 shares transactionSummary netBuySellShares

Key Terms

dividend reinvestment plan, Common Stock, grant, award, or other acquisition, non-derivative

4 terms

dividend reinvestment plan financial

"Includes shares acquired through participation in the UMB Financial Corporation dividend reinvestment plan."

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

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""

non-derivative financial

"transaction_type: "non-derivative""

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^*

GRAVES GREG M

(Last) (First) (Middle)

5085 W 177TH TER

(Street)

STILWELL KANSAS 66085

(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	39,786.2276(1)	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:

1. Includes shares acquired through participation in the UMB Financial Corporation dividend reinvestment plan.

	/s/ Debbie Lanemann by POA from Mr. Graves	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 Greg M. Graves report?

Director Greg M. Graves reported receiving 116 shares of UMB Financial Corp Common Stock as a grant or award. The shares were valued at $129.24 each and classified as a non-derivative, award-type acquisition.

Was the UMBF insider transaction an open-market buy or a grant?

The transaction was a grant or award, not an open-market purchase. It is coded as an acquisition under a "grant, award, or other acquisition" category, indicating compensation-related stock rather than a discretionary market trade.

How many UMBF shares does Greg M. Graves hold after this Form 4?

After the reported grant, Greg M. Graves directly holds 39,786.2276 shares of UMB Financial Corp Common Stock. This total includes shares previously acquired through participation in the company’s dividend reinvestment plan.

What price per share was used for the UMBF stock grant to Greg M. Graves?

The 116-share grant to Greg M. Graves was valued at $129.24 per share. This price is used to record the transaction’s value for reporting purposes and does not necessarily indicate an open-market trade price.

Does the UMBF filing mention a dividend reinvestment plan for Greg M. Graves?

Yes. The filing notes that Graves’ reported holdings include shares acquired through UMB Financial Corporation’s dividend reinvestment plan. This means some of his total shares come from reinvested dividends rather than separate purchases.