UMB Financial president covers taxes with share transfer

UMB Financial Corp President James D. Rine reported a tax-related share disposition.

Rhea-AI Filing Summary

UMB Financial Corp President James D. Rine reported a tax-related share disposition. On 02/10/2026, 832 shares of common stock were disposed of at $132.87 per share under transaction code F, which is used for paying tax liabilities by delivering shares.

After this transaction, Rine holds 69,953.1751 shares of UMB Financial common stock directly and 1,487.754 shares indirectly through an ESOP. A footnote explains that the indirect ESOP position reflects dividends earned upon vesting of underlying restricted stock units.

Insider Trade Summary

Exercise Price or Tax Liability: 832 shares

Exercise Price or Tax Liability 2 txns

Insider Rine James D

Role President

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	832	$132.87	$111K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 69,953.1751 shares (Direct); Common Stock — 1,487.754 shares (Indirect, By ESOP)

Footnotes (1)

1. F1. Reflects dividends earned upon vesting of the underlying restricted stock unit.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did UMBF President James D. Rine report?

James D. Rine reported a tax-withholding disposition of 832 UMB Financial common shares on February 10, 2026. The transaction, coded F, paid tax liabilities by delivering shares rather than a market sale, according to the Form 4 details.

At what price were the 832 UMBF shares used for tax withholding?

The 832 UMB Financial common shares were valued at $132.87 per share for the tax-withholding disposition. This reflects how the number of shares used was calculated to satisfy the reported tax liability on February 10, 2026.

How many UMBF shares does James D. Rine own after this Form 4?

After the reported transaction, James D. Rine directly owns 69,953.1751 UMB Financial common shares. He also has an indirect holding of 1,487.754 common shares through an ESOP, as shown in the beneficial ownership columns.

Is the UMBF insider transaction a market sale or tax withholding?

The transaction is tax withholding, not an open market sale. It is coded F, which indicates payment of an exercise price or tax liability by delivering securities, meaning shares were used to satisfy taxes rather than sold for cash proceeds.

What explains the ESOP shares reported for UMBF’s James D. Rine?

The ESOP position represents 1,487.754 indirect UMB Financial common shares held "By ESOP." A footnote clarifies this includes dividends earned upon vesting of the underlying restricted stock units, linking the ESOP balance to prior equity awards.

What role does James D. Rine hold at UMB Financial Corp (UMBF)?

James D. Rine is reported as an officer of UMB Financial Corp with the title President. This status is indicated in the relationship section, where he is not listed as a director or 10% owner but specifically as an executive officer.

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

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Accepted by SEC EDGAR 02/12/2026 - 04:31 PM Learn about SEC filing dates

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^*

Rine James D

(Last) (First) (Middle)

1010 GRAND BLVD.

(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)
	President

3. Date of Earliest Transaction (Month/Day/Year)
02/10/2026

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	02/10/2026		F		832	D	$132.87	69,953.1751(1)	D
Common Stock								1,487.754	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.

	/s/ Jason Bartel, attorney-in-fact for Mr. Rine	02/12/2026
	** 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.