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UMB Financial trusts report 15,062-share gift

After the reported gift entries, the RC Kemper Irrevocable Trust held 1,476,076 shares and the Mary S Kemper Trust held 27,620.

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Form Type
4

Rhea-AI Filing Summary

UMB Financial Corp. Chairman and CEO J. Mariner Kemper reported 815 common shares delivered or withheld for payment of exercise price or tax liability on October 31, 2026, at a reported $134.47 per share; his direct holdings afterward were 327,909 shares. On November 2, 2026, the RC Kemper Irrevocable Trust reported a bona fide gift disposition of 15,062 shares, with 1,476,076 shares following the transaction, while the Mary S Kemper Trust reported a bona fide gift acquisition of 15,062 shares, with 27,620 shares following the transaction.

Insider KEMPER J MARINER
Role Chairman and CEO
Type Security Shares Price Value
Gift Common Stock 15,062 $0.00 $0.00
Gift Common Stock 15,062 $0.00 $0.00
Exercise Price or Tax Liability Common Stock 815 $134.47 $110K
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 327,909.2177 shares (Direct); Common Stock — 1,476,076 shares (Indirect, By Trust - RC Kemper Irrevocable Trust); Common Stock — 27,620 shares (Indirect, By Trust: Mary S Kemper Trust); Common Stock — 1,020.29 shares (Indirect, By Daughter - Custodial Brokerage Account); Common Stock — 2,352.3 shares (Indirect, By Esop); Common Stock — 1,024.082 shares (Indirect, By Son - Custodial Brokerage Account); Common Stock — 1,314.921 shares (Indirect, By Trust - J. Mariner Kemper Trust); Common Stock — 5,561 shares (Indirect, By Trust - RC Kemper Irr Dynasty for John Mariner Kemper); Common Stock — 21,460 shares (Indirect, By Trust - TUW RC Kemper For John Mariner); Common Stock — 8,216.735 shares (Indirect, By Trust: Megan Kemper Trust); Common Stock — 288,945 shares (Indirect, Held by Kemper Realty); Common Stock — 392,029 shares (Indirect, Held by Pioneer Service Corporation)
Shares delivered or withheld 815 shares October 31, 2026; payment of exercise price or tax liability
Reported per-share price $134.47 per share Reported with the 815 shares delivered or withheld
Direct holdings after transaction 327,909 shares October 31, 2026
Gift disposition 15,062 shares RC Kemper Irrevocable Trust, November 2, 2026
RC Kemper Irrevocable Trust holdings after transaction 1,476,076 shares November 2, 2026
Gift acquisition 15,062 shares Mary S Kemper Trust, November 2, 2026
Mary S Kemper Trust holdings after transaction 27,620 shares November 2, 2026
Bona fide gift financial
"bona fide gift disposition of 15,062 shares"
A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.
exercise price or tax liability financial
"payment of exercise price or tax liability"
Custodial Brokerage Account financial
"By Daughter - Custodial Brokerage Account"

FAQ

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

What gift transfers did UMBF report?

On November 2, 2026, the RC Kemper Irrevocable Trust reported a bona fide gift disposition of 15,062 shares, with 1,476,076 shares following the transaction; the Mary S Kemper Trust reported a bona fide gift acquisition of 15,062 shares, with 27,620 shares following the transaction.

How many shares did J. Mariner Kemper deliver or withhold?

J. Mariner Kemper reported 815 shares delivered or withheld for payment of exercise price or tax liability on October 31, 2026, at a reported $134.47 per share; his direct holdings afterward were 327,909 shares.

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

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SEC Form 4
FORM 4UNITED 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*
KEMPER J MARINER

(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)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
Chairman and CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
10/31/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock10/31/2026F815D$134.47327,909.2177D
Common Stock11/02/2026G15,062D$01,476,076IBy Trust - RC Kemper Irrevocable Trust
Common Stock11/02/2026G15,062A$027,620IBy Trust: Mary S Kemper Trust
Common Stock1,020.29IBy Daughter - Custodial Brokerage Account
Common Stock2,352.3IBy Esop
Common Stock1,024.082IBy Son - Custodial Brokerage Account
Common Stock1,314.921IBy Trust - J. Mariner Kemper Trust
Common Stock5,561IBy Trust - RC Kemper Irr Dynasty for John Mariner Kemper
Common Stock21,460IBy Trust - TUW RC Kemper For John Mariner
Common Stock8,216.735IBy Trust: Megan Kemper Trust
Common Stock288,945IHeld by Kemper Realty
Common Stock392,029IHeld by Pioneer Service Corporation
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
/s/ Jason Bartel, attorney-in-fact for Mr. Kemper11/03/2026
** Signature of Reporting PersonDate
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)

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