UMB Financial (UMBF) CAO logs RSU dividend shares and tax withholding

Rhea-AI Filing Summary

UMB Financial Corp's Chief Administrative Officer, Shannon Andresen Johnson, reported routine equity transactions. On February 9, 2026, she acquired 2,559 shares of common stock at $0 per share, reflecting dividends earned upon vesting of an underlying restricted stock unit award. After this, she directly held 35,364.1252 shares.

On February 7, 2026, 355 shares were withheld at $134.32 per share in a code "F" transaction, typically representing shares withheld to cover taxes tied to vesting; her direct holdings then stood at 32,794.1252 shares. She also indirectly holds 337.419 shares through an ESOP. The related restricted share units vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029.

Insider Trade Summary

Net Buyer: 2,204 shares

Net Buy 3 txns

Insider Johnson Shannon Andresen

Role Chief Administrative Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,559	$0.00	$0.00
Exercise Price or Tax Liability	Common Stock	355	$134.32	$48K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 35,364.1252 shares (Direct); Common Stock — 337.419 shares (Indirect, By ESOP)

Footnotes (2)

1. F1. Reflects dividends earned upon vesting of the underlying restricted stock unit.
2. F2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

FAQ

What insider transactions did UMBF Chief Administrative Officer Shannon Andresen Johnson report?

She reported receiving 2,559 UMBF common shares at $0 per share tied to restricted stock unit dividends, plus 355 shares withheld at $134.32 for taxes. After these transactions, she directly held 35,364.1252 shares and indirectly held 337.419 shares via an ESOP.

How many UMBF shares does Shannon Andresen Johnson now beneficially own?

Following the reported transactions, she directly owns 35,364.1252 UMBF common shares and indirectly owns 337.419 shares through an ESOP. These holdings reflect both the new 2,559-share accrual from RSU-related dividends and 355 shares withheld to satisfy tax obligations.

What does the 2,559-share UMBF stock acquisition at $0 represent?

The 2,559-share acquisition at $0 represents dividends earned upon vesting of an underlying restricted stock unit award. Instead of receiving cash dividends, the value was delivered in UMBF common shares, increasing Shannon Andresen Johnson’s direct stock ownership as part of her equity compensation.

Why were 355 UMBF shares reported with transaction code "F" at $134.32?

The 355-share transaction coded "F" at $134.32 per share reflects shares withheld to cover tax obligations related to the vesting of equity awards. This is a common administrative step, where a portion of vested shares is surrendered rather than paying cash taxes directly.

How do the reported RSU vesting dates affect UMBF share delivery to Shannon Andresen Johnson?

The restricted share units vest in tranches: 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. As each tranche vests, additional UMBF shares and associated dividend equivalents can be delivered, further altering her beneficial ownership over time.

What indirect UMBF share ownership does Shannon Andresen Johnson report through the ESOP?

She reports indirect ownership of 337.419 UMBF common shares through an Employee Stock Ownership Plan (ESOP). These shares are separate from her directly held 35,364.1252 shares and represent retirement-related equity holdings administered within the company’s ESOP structure.

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

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 02/10/2026 - 04:13 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^*

Johnson Shannon Andresen

(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 Administrative Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/07/2026

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		A		2,559	A	$0	35,364.1252(1)	D
Common Stock	02/07/2026		F		355(2)	D	$134.32	32,794.1252	D
Common Stock								337.419	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. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Jason D. Bartel, attorney-in-fact for Ms. Johnson	02/10/2026
	** 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.