UMB Financial CEO uses shares to cover taxes

UMB Financial Corp Chairman and CEO J. Mariner Kemper reported a tax-withholding disposition of 1,904 shares of common stock on February 9, 2026.

Rhea-AI Filing Summary

UMB Financial Corp Chairman and CEO J. Mariner Kemper reported a tax-withholding disposition of 1,904 shares of common stock on February 9, 2026. The shares were transferred at $134.29 per share to cover tax obligations tied to equity awards.

After this transaction, Kemper directly holds 331,122.2177 shares of UMB Financial common stock. The filing also lists several indirect holdings, including shares held in custodial accounts for family members, an ESOP position, and multiple trusts and entities associated with the Kemper family.

Insider Trade Summary

Exercise Price or Tax Liability: 1,904 shares

Exercise Price or Tax Liability 11 txns

Insider KEMPER J MARINER

Role Chairman and CEO

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	1,904	$134.29	$256K
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 — 331,122.2177 shares (Direct); Common Stock — 1,000 shares (Indirect, By Daughter - Custodial Brokerage Account); Common Stock — 2,352.3 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. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

FAQ

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

What insider transaction did UMBF Chairman and CEO report on February 9, 2026?

The Chairman and CEO reported a tax-withholding disposition of 1,904 UMB Financial common shares on February 9, 2026. The shares were transferred at $134.29 each to satisfy tax obligations related to equity compensation, rather than being sold in an open-market trade.

How many UMBF shares does the CEO directly own after this Form 4 filing?

After the reported transaction, the CEO directly owns 331,122.2177 shares of UMB Financial common stock. This figure reflects his direct holdings following the transfer of 1,904 shares for tax-withholding and excludes additional indirect positions held through family accounts, an ESOP, and trusts.

Was the UMBF CEO’s February 2026 Form 4 transaction an open-market sale?

The transaction was not an open-market sale; it was coded “F” for tax-withholding. That code indicates shares were delivered to cover tax liabilities or exercise costs tied to equity awards, rather than being sold voluntarily on the market for portfolio or liquidity reasons.

What price per share was used for the UMBF CEO’s tax-withholding disposition?

The tax-withholding disposition used a price of $134.29 per UMB Financial common share. This price applies to the 1,904 shares transferred on February 9, 2026, in connection with satisfying tax obligations arising from the vesting or exercise of equity-based compensation.

What indirect UMBF share holdings related to the CEO are disclosed in this Form 4?

The filing lists indirect holdings through a custodial account for his daughter with 1,000 shares, an ESOP position with 2,352.3 shares, a custodial account for his son with 1,000 shares, and additional significant holdings through several trusts and entities such as Kemper Realty and Pioneer Service Corporation.

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

One footnote states that certain share changes reflect dividends earned upon vesting of restricted stock units. Another explains that ESOP amounts incorporate allocations and dispositions since the CEO’s last ownership report, clarifying that those movements are plan-driven rather than new discretionary trading decisions.

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

Form 4 Insider Transactions: What Each Field Means →

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Accepted by SEC EDGAR 02/11/2026 - 05:49 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)
02/09/2026

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		1,904	D	$134.29	331,122.2177(1)	D
Common Stock								1,000	I	By Daughter - Custodial Brokerage Account
Common Stock								2,352.3(2)	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. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

	/s/ Jason Bartel, attorney-in-fact for Mr. Kemper	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.