UMB Financial (UMBF) EVP and CLO reports 60-share tax withholding move

Rhea-AI Filing Summary

UMB Financial Corp executive Amy Harris reported a small tax-related share disposition. On February 11, 2026, 60 shares of UMB Financial common stock were surrendered at $132.16 per share to cover tax obligations tied to equity compensation. After this transaction, she directly held 7,849 common shares and indirectly held 102.264 shares through an ESOP. A footnote explains that the ESOP balance reflects dividends earned upon vesting of the underlying restricted stock unit.

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	60	$132.16	$8K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 7,849 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)
02/11/2026

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	02/11/2026		F		60	D	$132.16	7,849(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	02/13/2026
	** 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 on February 11, 2026?

Amy Harris reported a tax-withholding disposition of 60 UMB Financial Corp common shares on February 11, 2026. The shares were surrendered at $132.16 each to satisfy tax liabilities arising from equity compensation awards rather than an open-market sale of stock.

How many UMBF shares does Amy Harris hold after the reported Form 4 transaction?

After the Form 4 transaction, Amy Harris holds 7,849 UMB Financial Corp common shares directly. She also has an indirect position of 102.264 shares through an employee stock ownership plan, giving a clearer picture of her post-transaction beneficial ownership levels.

Was the UMBF Form 4 transaction by Amy Harris a sale on the open market?

The transaction was not an open-market sale. It is coded as “F,” meaning 60 shares were used to pay tax liabilities associated with equity compensation. This tax-withholding disposition differs from voluntarily selling shares on the market for investment or liquidity purposes.

What does the ESOP-related holding of 102.264 UMBF shares represent for Amy Harris?

The 102.264 UMB Financial Corp shares are held indirectly through an ESOP. A footnote states this balance reflects dividends earned upon vesting of an underlying restricted stock unit, indicating these shares arose from plan-related dividend accruals rather than direct stock purchases.

What role does Amy Harris hold at UMB Financial Corp according to the Form 4?

According to the Form 4, Amy Harris serves as Executive Vice President and Chief Legal Officer at UMB Financial Corp. Her status as an officer requires reporting changes in her beneficial ownership of company stock, including tax-withholding dispositions related to equity compensation awards.