Form 4: Newton Nikki Farentino reports disposition transactions in UMBF

Rhea-AI Filing Summary

Newton Nikki Farentino reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 236 shares at a weighted average price of $134.29 per share. Following the reported transactions, holdings were 14,181 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Newton Nikki Farentino

Role President, Private Wealth Mgmt

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	236	$134.29	$32K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 14,180.81 shares (Direct); Common Stock — 75.575 shares (Indirect, By ESOP)

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.

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^*

Newton Nikki Farentino

(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)
	President, Private Wealth Mgmt

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		236	D	$134.29	14,180.81(1)	D
Common Stock								75.575(2)	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. 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. Newton	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 executive Nikki Farentino Newton report?

Nikki Farentino Newton reported a tax-withholding disposition of 236 UMB Financial Corp common shares on February 9, 2026. The shares were used to satisfy tax obligations related to equity compensation rather than sold in an open-market transaction.

At what price were the UMBF shares used for the tax-withholding transaction?

The 236 UMB Financial Corp common shares were valued at $134.29 per share for the tax-withholding disposition. This price is used for reporting purposes in the Form 4 and reflects the amount applied to cover tax liabilities.

How many UMBF shares does Nikki Farentino Newton own after this Form 4 transaction?

After the reported transaction, Nikki Farentino Newton beneficially owns 14,180.81 UMB Financial common shares directly. She also has an additional 75.575 shares held indirectly through an ESOP, as disclosed in the ownership table of the Form 4 filing.

What does the tax-withholding disposition code F mean in the UMBF Form 4?

Code F on the Form 4 indicates a tax-withholding disposition, where shares are delivered to satisfy tax liabilities or exercise costs. For UMB Financial, 236 shares were used this way, rather than being sold as a regular open-market transaction.

How are ESOP shares reported for UMBF executive Nikki Farentino Newton?

ESOP shares are reported as indirect ownership. The Form 4 shows 75.575 UMB Financial shares held “By ESOP,” with a footnote explaining they reflect ESOP allocations and dispositions since the executive’s last reported ownership update.

What do the dividend-related footnotes in the UMBF Form 4 explain?

One footnote explains that some reported shares reflect dividends earned upon vesting of underlying restricted stock units. This clarifies that part of the change in UMB Financial share holdings comes from dividend accruals associated with equity awards, not open-market trades.