UMB Financial (UMBF) officer uses 144 shares to cover RSU taxes

Rhea-AI Filing Summary

UMB Financial Corp. officer Nikki Farentino Newton, President of Private Wealth Management, reported a Form 4 transaction involving company common stock. On 02/10/2026, she disposed of 144 shares at $132.87 per share to satisfy tax obligations related to vesting restricted stock units, including dividends earned upon vesting.

After this withholding transaction, she directly beneficially owned 14,053.81 shares of UMB Financial common stock and indirectly held 75.575 shares through an ESOP arrangement.

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	144	$132.87	$19K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 14,053.81 shares (Direct); Common Stock — 75.575 shares (Indirect, By ESOP)

Footnotes (1)

1. [object Object]

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)
02/10/2026

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		144	D	$132.87	14,053.81(1)	D
Common Stock								75.575	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 Bartel, attorney-in-fact for Mr. Newton	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 officer Nikki Farentino Newton report?

Nikki Farentino Newton reported a tax-related disposition of UMB Financial common stock. On 02/10/2026, she used 144 shares at $132.87 per share to cover tax liabilities tied to vesting restricted stock units and associated dividend shares.

How many UMBF shares did Nikki Farentino Newton beneficially own after the Form 4 transaction?

After the reported transaction, she beneficially owned 14,053.81 UMB Financial common shares directly. The filing also shows an additional 75.575 common shares held indirectly through an ESOP, reflecting both her direct and indirect ownership positions as of the reported date.

Was the UMBF Form 4 transaction an open-market sale of shares?

The Form 4 describes a tax-withholding disposition, not an open-market sale. Code F indicates shares were delivered to pay tax liabilities arising from vesting restricted stock units, including dividends, rather than being sold for discretionary portfolio or cash-raising purposes.

What role does Nikki Farentino Newton hold at UMB Financial Corp. (UMBF)?

Nikki Farentino Newton is identified as an officer of UMB Financial Corp. Her specific title in the filing is President, Private Wealth Management, highlighting her leadership position within the company’s wealth management operations while also being the reporting person for this Form 4.

What does the ESOP holding in the UMBF Form 4 indicate?

The Form 4 lists 75.575 UMB Financial common shares as indirectly owned "By ESOP." This indicates an employee stock ownership plan position attributed to Nikki Farentino Newton, separate from her directly held 14,053.81 shares of UMB Financial common stock.

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

Transaction code F denotes payment of an exercise price or tax liability by delivering securities. In this case, 144 UMB Financial common shares were used to satisfy tax obligations triggered when underlying restricted stock units, including dividend components, vested for the reporting officer.