UMB Financial Corp (UMBF) officer discloses gift of 400 common shares in Form 4

Rhea-AI Filing Summary

UMB Financial Corp's Chief Credit Officer, Mr. Terry, reported a disposition of 400 shares of common stock on 12/12/2025 in a transaction coded "G" at a price of $0 per share. After this transaction, he beneficially owns 35,622.3105 shares directly and 5,004.343 shares indirectly through an ESOP.

Insider Trade Summary

Net Seller: 400 shares

Net Sell 2 txns

Insider Terry Thomas S

Role Chief Credit Officer

Type	Security	Shares	Price	Value
Gift	Common Stock	400	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 35,622.3105 shares (Direct); Common Stock — 5,004.343 shares (Indirect, By ESOP)

FAQ

What insider transaction was reported for UMBF on 12/12/2025?

The filing reports that UMB Financial Corp's Chief Credit Officer, Mr. Terry, disposed of 400 shares of common stock on 12/12/2025 in a transaction coded "G" at a price of $0 per share.

What is the reporting person's role at UMB Financial Corp (UMBF)?

The reporting person is an officer of UMB Financial Corp, serving as the company's Chief Credit Officer.

How many UMBF shares does the officer own after the reported transaction?

Following the reported transaction, the officer beneficially owns 35,622.3105 shares of common stock directly and 5,004.343 shares indirectly by ESOP.

What type of security was involved in this UMBF Form 4 filing?

The transaction involved Common Stock of UMB Financial Corp.

Was this UMBF Form 4 filed for one or multiple reporting persons?

The form indicates it was filed by one reporting person, as shown by the checked box for individual filing.

Who signed the UMBF Form 4 and when was it signed?

The form was signed by /s/ Megan L. Mercer as Attorney-in-Fact for Mr. Terry on 12/15/2025.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 12/15/2025 - 05:59 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^*

Terry Thomas S

(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 Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
12/12/2025

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	12/12/2025		G		400	D	$0	35,622.3105	D
Common Stock								5,004.343	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:

	/s/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry	12/15/2025
	** 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.