UMB Financial director Greg M. Graves buys 292 shares

The reported post-transaction direct position includes shares acquired through UMB Financial Corporation's dividend reinvestment plan.

Available on EDGAR 11/04/2026 - 04:22 PM EST Accepted by SEC EDGAR 11/04/2026 - 04:22 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

UMB Financial Corp. (UMBF) director Greg M. Graves purchased 292 shares of common stock on November 2, 2026, at $137.02 per share. His reported direct holdings afterward were 40,893 shares; that amount includes shares acquired through the UMB Financial Corporation dividend reinvestment plan. No Rule 10b5-1 plan is reported.

Insider Trade Summary

Net Buyer: 291.9282 shares

Net Buy 1 txn

Insider GRAVES GREG M

Role Director

Bought 291.9282 shs ($40K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F1	291.9282	$137.02	$40K

Holdings After Transaction: Common Stock — 40,892.914 shares (Direct)

Footnotes (1)

1. F1. Includes shares acquired through participation in the UMB Financial Corporation dividend reinvestment plan.

Key Figures

Common stock purchased: 292 shares Purchase price: $137.02 per share Direct holdings after transaction: 40,893 shares

3 metrics

Common stock purchased 292 shares November 2, 2026

Purchase price $137.02 per share November 2, 2026

Direct holdings after transaction 40,893 shares Includes shares acquired through UMB Financial Corporation's dividend reinvestment plan

Key Terms

Dividend reinvestment plan, Purchase in open market or private transaction, Non-derivative

3 terms

Dividend reinvestment plan financial

"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.

Purchase in open market or private transaction financial

"Purchase in open market or private transaction"

Non-derivative financial

"non-derivative"

FAQ

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How many shares did UMBF director Greg M. Graves buy?

Greg M. Graves purchased 292 shares of common stock on November 2, 2026, at $137.02 per share. His reported direct holdings afterward were 40,893 shares, including shares acquired through UMB Financial Corporation's dividend reinvestment plan. No Rule 10b5-1 plan is reported.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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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)
11/02/2026

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	11/02/2026		P		291.9282	A	$137.02	40,892.914(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/ Jason Bartel, attorney-in-fact for Mr. Graves	11/04/2026
	** 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)