STOCK TITAN

UMB Financial (UMBF) CEO transfers shares to cover equity award taxes

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
4

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.

Positive

  • None.

Negative

  • None.
Insider KEMPER J MARINER
Role Chairman and CEO
Type Security Shares Price Value
Tax Withholding 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 — 331,122.218 shares (Direct); Common Stock — 1,000 shares (Indirect, By Daughter - Custodial Brokerage Account)
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.
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.

FAQ

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 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.