UMB Financial (UMBF) CAO granted 405 restricted shares in Form 4

Rhea-AI Filing Summary

UMB Financial Corp’s Chief Accounting Officer, David Carl Odgers, reported routine equity transactions in company common stock. On February 9, 2026, he acquired 405 common shares at $0 per share from restricted share units that vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. On February 7, 2026, he disposed of 49 shares at $134.32 per share. After these transactions, he held 6,716.41 shares directly, plus 280.589 shares indirectly through a 401(k) and 294.209 shares through an ESOP.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Odgers David Carl

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	405	$0.00	--
Tax Withholding	Common Stock	49	$134.32	$7K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 6,716.41 shares (Direct); Common Stock — 280.589 shares (Indirect, By 401K)

Footnotes (1)

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

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^*

Odgers David Carl

(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)
	Chief Accounting 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	02/07/2026		F		49	D	$134.32	6,345.41(1)	D
Common Stock	02/09/2026		A		405(2)	A	$0	6,716.41	D
Common Stock								280.589	I	By 401K
Common Stock								294.209	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 Mr. Odgers	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.

FAQ

What insider transactions did UMBF’s Chief Accounting Officer report?

David Carl Odgers reported acquiring 405 UMB Financial common shares at $0 per share and disposing of 49 shares at $134.32 per share. These transactions stem from restricted share units and related equity activity disclosed in the Form 4.

How many UMBF shares does David Carl Odgers hold after the Form 4?

After the reported transactions, David Carl Odgers directly holds 6,716.41 UMB Financial common shares. He also has indirect holdings of 280.589 shares through a 401(k) plan and 294.209 shares through an ESOP, all reported as beneficial ownership.

What is the size and structure of the new UMBF share award?

The filing shows an award of 405 restricted share units of UMB Financial common stock at $0 per share. These units vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029, in three installments.

At what price were UMBF shares disposed of in the February 7, 2026 transaction?

On February 7, 2026, David Carl Odgers reported disposing of 49 UMB Financial common shares at $134.32 per share. This transaction reduced his direct holdings to 6,345.41 shares immediately after that trade, before the later award increased them.

What do the Form 4 footnotes say about the UMBF equity transactions?

One footnote explains that certain shares reflect dividends earned upon vesting of an underlying restricted stock unit. Another footnote details that the 405 restricted share units vest in three tranches across 2027, 2028, and 2029, clarifying the award’s vesting schedule.

How are David Carl Odgers’ indirect UMBF holdings structured?

The Form 4 shows indirect ownership of UMB Financial common stock in two plans: 280.589 shares held through a 401(k) and 294.209 shares held through an ESOP. These are reported separately from his directly owned common shares.