UMB Financial CEO granted 16,510 restricted units

UMB Financial Corp. Chairman and CEO J. Mariner Kemper reported equity compensation and related share activity in UMBF common stock.

Rhea-AI Filing Summary

UMB Financial Corp. Chairman and CEO J. Mariner Kemper reported equity compensation and related share activity in UMBF common stock. On February 9, 2026, he acquired 16,510 restricted share units at $0 per share, which are scheduled to vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. On February 7, 2026, he reported a disposition of 2,043 shares at $134.32 per share, noted as reflecting dividends earned upon vesting of the underlying restricted stock unit. Following these transactions, he directly beneficially owned 332,885.2177 shares and reported additional indirect holdings through various family and trust accounts and related entities.

Insider Trade Summary

12 transactions reported

Mixed 12 txns

Insider KEMPER J MARINER

Role Chairman and CEO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	16,510	$0.00	$0.00
Exercise Price or Tax Liability	Common Stock	2,043	$134.32	$274K
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	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 332,885.2177 shares (Direct); Common Stock — 1,000 shares (Indirect, By Daughter - Custodial Brokerage Account); Common Stock — 2,309.08 shares (Indirect, By Esop); Common Stock — 1,000 shares (Indirect, By Son - Custodial Brokerage Account); Common Stock — 0 shares (Indirect, By Trust - RC Kemper For John); Common Stock — 21,460 shares (Indirect, By Trust - TUW RC Kemper For John Mariner); Common Stock — 12,558 shares (Indirect, By Trust: Mary S Hunt Trust); Common Stock — 8,000 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); Common Stock — 1,506,200 shares (Indirect, By Trust - RC Kemper Irrevocable Trust)

Footnotes (2)

1. F1. Reflects dividends earned upon vesting of the underlying restricted stock unit.
2. F2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

FAQ

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What insider transactions did UMBF Chairman and CEO J. Mariner Kemper report?

J. Mariner Kemper reported acquiring 16,510 restricted share units of UMB Financial common stock on February 9, 2026, at $0 per unit, and a disposition of 2,043 shares on February 7, 2026 at $134.32 per share.

How do the 16,510 UMBF restricted share units for Kemper vest over time?

The 16,510 restricted share units granted to J. Mariner Kemper vest in stages: 33% on February 9, 2027, another 33% on February 9, 2028, and the remaining 34% on February 9, 2029, according to the Form 4 footnote.

How many UMBF shares does J. Mariner Kemper directly own after these transactions?

After the reported transactions, J. Mariner Kemper directly beneficially owned 332,885.2177 shares of UMB Financial Corp. common stock. This total reflects his holdings following both the restricted stock unit-related disposition and the new restricted share unit grant.

What does the 2,043-share UMBF transaction on February 7, 2026 represent?

On February 7, 2026, Kemper reported a disposition of 2,043 shares of UMB Financial common stock at $134.32 per share. A footnote explains this reflects dividends earned upon vesting of the underlying restricted stock unit.

What indirect UMBF share holdings are associated with J. Mariner Kemper?

Kemper reported several indirect UMB Financial common stock holdings, including shares held in custodial brokerage accounts for his daughter and son, an ESOP position, multiple trusts, and entities such as Kemper Realty and Pioneer Service Corporation, plus an RC Kemper Irrevocable Trust position.

What role does J. Mariner Kemper hold at UMB Financial Corp.?

J. Mariner Kemper is reported as both a Director and an Officer of UMB Financial Corp., serving specifically as the company’s Chairman and CEO according to the Form 4 filing’s relationship section.

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Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 02/10/2026 - 04:14 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^*

KEMPER J MARINER

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman and CEO

3. Date of Earliest Transaction (Month/Day/Year)
02/07/2026

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	02/07/2026		F		2,043	D	$134.32	316,307.2177(1)	D
Common Stock	02/09/2026		A		16,510(2)	A	$0	332,885.2177	D
Common Stock								1,000	I	By Daughter - Custodial Brokerage Account
Common Stock								2,309.08	I	By Esop
Common Stock								1,000	I	By Son - Custodial Brokerage Account
Common Stock								0	I	By Trust - RC Kemper For John
Common Stock								21,460	I	By Trust - TUW RC Kemper For John Mariner
Common Stock								12,558	I	By Trust: Mary S Hunt Trust
Common Stock								8,000	I	By Trust: Megan Kemper Trust
Common Stock								288,945	I	Held by Kemper Realty
Common Stock								392,029	I	Held by Pioneer Service Corporation
Common Stock								1,506,200	I	By Trust - RC Kemper Irrevocable Trust

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.

2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Jason Bartel, attorney-in-fact for Mr. Kemper	02/10/2026
	** 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.