UMB Financial (UMBF) EVP covers tax liability with 97 shares

Rhea-AI Filing Summary

UMB Financial Corp executive Amy Harris, EVP and Chief Legal Officer, reported a tax-related share withholding in company stock. On February 10, 2026, 97 shares of UMB Financial common stock were disposed of at $132.87 per share to cover tax obligations.

After this transaction, Harris directly beneficially owned 7,900 shares of common stock and indirectly held 102.264 shares through an ESOP. A footnote explains that a portion of the holdings reflects dividends earned upon vesting of restricted stock units.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Harris Amy

Role EVP and Chief Legal Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	97	$132.87	$13K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 7,900 shares (Direct); Common Stock — 102.264 shares (Indirect, By ESOP)

Footnotes (1)

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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^*

Harris Amy

(Last) (First) (Middle)

1010 GRAND BOULEVARD

(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)
	EVP and Chief Legal Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/10/2026

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	02/10/2026		F		97	D	$132.87	7,900(1)	D
Common Stock								102.264	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.

	/s/ Jason D. Bartel, attorney-in-fact for Ms. Harris	02/12/2026
	** 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 executive Amy Harris report?

Amy Harris reported a tax-related share withholding of 97 UMB Financial common shares. The shares were disposed of at $132.87 each to satisfy tax obligations, a common administrative transaction rather than an open-market buy or sell order.

How many UMBF shares does Amy Harris hold after this Form 4?

After the reported transaction, Amy Harris directly beneficially owned 7,900 UMB Financial common shares. She also indirectly held 102.264 additional shares through an ESOP, reflecting a smaller, plan-related position separate from her direct ownership stake.

What does the transaction code F mean in the UMBF Form 4?

Transaction code F indicates payment of an exercise price or tax liability by delivering securities. In this case, 97 UMB Financial shares were disposed of to cover tax obligations, rather than being sold in a typical open-market transaction for investment purposes.

What role does Amy Harris hold at UMB Financial Corp (UMBF)?

Amy Harris serves as Executive Vice President and Chief Legal Officer at UMB Financial Corp. Her insider status requires reporting changes in beneficial ownership, such as tax-withholding dispositions and plan-related share adjustments, on Form 4 under Section 16 rules.

What is the significance of the ESOP holdings in this UMBF filing?

The filing shows 102.264 UMB Financial shares held indirectly by Amy Harris through an ESOP. A footnote states that this reflects dividends earned upon vesting of restricted stock units, indicating these shares arise from employee benefit and incentive arrangements rather than direct market purchases.

Did Amy Harris make an open-market sale of UMBF shares?

The filing does not show a traditional open-market sale. Instead, it records 97 shares disposed of under code F, meaning the shares were used to pay tax liabilities or exercise costs, which is an administrative step tied to equity compensation.