UMB Financial (UMBF) director receives 116-share stock award

Rhea-AI Filing Summary

UMB Financial Corp director Kevin Charles Gallagher reported a stock award of 116 shares of common stock at $129.24 per share, classified as a grant or other acquisition. Following this award, he directly holds 12,603.668 common shares.

In addition to his direct holdings, Gallagher indirectly holds 8,130.113 common shares through an IRA and 449.139 common shares through a Roth IRA, reflecting additional retirement account ownership of UMB Financial stock.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Gallagher Kevin Charles

Role null

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

Holdings After Transaction: Common Stock — 12,603.668 shares (Direct, null); Common Stock — 8,130.113 shares (Indirect, By IRA)

Footnotes (1)

Key Figures

Stock award size: 116 shares Award price per share: $129.24/share Direct holdings after award: 12,603.668 shares +2 more

5 metrics

Stock award size 116 shares Grant, award, or other acquisition of common stock

Award price per share $129.24/share Transaction price for the 116-share grant

Direct holdings after award 12,603.668 shares Common stock directly owned after transaction

IRA indirect holdings 8,130.113 shares Common stock held indirectly by IRA

Roth IRA indirect holdings 449.139 shares Common stock held indirectly by Roth IRA

Key Terms

Grant, award, or other acquisition, indirect ownership, Roth IRA, IRA

4 terms

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

indirect ownership financial

"ownership_type: indirect, direct_or_indirect: I"

Roth IRA financial

"nature_of_ownership: by Roth IRA"

A Roth IRA is a retirement savings account you fund with money that’s already been taxed, and withdrawals taken in retirement under the account rules are tax-free. It matters to investors because it shifts the tax bill to today instead of retirement, potentially increasing after-tax income later—think of it like paying for a lifetime subscription now so you can use it without extra charges in the future—helpful for long-term tax planning and flexibility.

IRA financial

"nature_of_ownership: By IRA"

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

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^*

Gallagher Kevin Charles

(Last) (First) (Middle)

370 17TH ST

SUITE 5600

(Street)

DENVER COLORADO 80202

(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	12,603.668	D
Common Stock								8,130.113	I	By IRA
Common Stock								449.139	I	by Roth IRA

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 Mr. Gallagher	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 did UMBF director Kevin Gallagher report in this Form 4 filing?

Director Kevin Charles Gallagher reported receiving a grant of 116 UMB Financial Corp common shares at $129.24 per share. This was classified as a grant, award, or other acquisition rather than an open-market purchase, and increased his directly held share position.

How many UMBF shares does Kevin Gallagher hold directly after this transaction?

After the reported stock award, Kevin Gallagher directly holds 12,603.668 shares of UMB Financial Corp common stock. This figure represents his direct ownership position as of the transaction date disclosed in the Form 4 filing.

What was the price used for Kevin Gallagher’s UMBF stock award?

The 116-share award to Kevin Gallagher was valued at $129.24 per share. This price is shown as the transaction price per share for the grant, helping indicate the award’s approximate value at the time it was recorded.

Does Kevin Gallagher have indirect ownership of UMBF shares through retirement accounts?

Yes. Kevin Gallagher indirectly owns UMB Financial Corp shares through retirement accounts, including 8,130.113 shares held by an IRA and 449.139 shares held by a Roth IRA, in addition to his directly owned shares reported in the filing.

Was Kevin Gallagher’s UMBF transaction an open-market buy or a grant?

The Form 4 identifies the transaction with code A, described as a grant, award, or other acquisition. This indicates the 116 UMB Financial Corp shares were received as compensation or award, not bought on the open market.