UMB Financial (UMBF) CHRO uses 159 shares to cover tax liability

Rhea-AI Filing Summary

UMB Financial Corp's Chief Human Resource Officer, Robert Brian Beaird, reported a tax-withholding disposition of 159 shares of common stock on February 9, 2026 at $134.29 per share. After this transaction, he beneficially owns 10,701.3509 common shares directly and 227.936 shares indirectly through an ESOP.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Beaird Robert Brian

Role Chief Human Resource Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	159	$134.29	$21K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,701.351 shares (Direct); Common Stock — 227.936 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

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^*

Beaird Robert Brian

(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)
	Chief Human Resource Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/09/2026

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	02/09/2026		F		159	D	$134.29	10,701.3509(1)	D
Common Stock								227.936(2)	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.

2. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

	/s/ Jason D. Bartel, attorney-in-fact for Mr. Beaird	02/11/2026
	** 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.

FAQ

What transaction did UMBF executive Robert Brian Beaird report on this Form 4?

Robert Brian Beaird reported a tax-withholding disposition of 159 shares of UMB Financial common stock. The transaction occurred on February 9, 2026 at a price of $134.29 per share and was coded “F,” indicating shares were delivered to satisfy tax obligations.

What is Robert Brian Beaird’s role at UMB Financial Corp (UMBF)?

Robert Brian Beaird is an officer of UMB Financial Corp serving as Chief Human Resource Officer. The Form 4 confirms he is not a director or 10% owner, but reports as an executive officer with equity-based compensation and related stock and ESOP holdings.

How many UMBF shares does Robert Brian Beaird own after the reported transaction?

After the reported transaction, Robert Brian Beaird beneficially owns 10,701.3509 UMB Financial common shares directly. He also has indirect ownership of 227.936 additional common shares through an employee stock ownership plan (ESOP), as shown in the Form 4 holding information.

What does transaction code “F” mean in this UMBF Form 4 filing?

Transaction code “F” indicates payment of an exercise price or tax liability by delivering securities. In this case, 159 UMB Financial common shares were disposed of as a tax-withholding disposition rather than an open-market sale, tied to equity compensation events and related obligations.

What do the Form 4 footnotes explain about Beaird’s UMBF share changes?

One footnote explains that some reported shares reflect dividends earned upon vesting of restricted stock units. Another explains that the ESOP balance reflects allocations and dispositions that occurred since Beaird’s last ownership report, clarifying how indirect ESOP holdings changed over time.

How are ESOP holdings reported for UMBF’s Robert Brian Beaird on this Form 4?

The Form 4 shows an indirect holding of 227.936 UMB Financial common shares labeled “By ESOP.” A footnote states these ESOP figures reflect allocations and dispositions since Beaird’s last ownership report, capturing changes within the employee stock ownership plan structure.