STOCK TITAN

UMB Financial (UMBF) CEO reports tax-withholding stock disposition

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

UMB Financial Corp Chairman and CEO J. Mariner Kemper reported a tax-related share disposition. On February 10, 2026, 1,721 shares of common stock at $132.87 per share were withheld to cover taxes tied to dividends earned upon vesting of restricted stock units, coded as a tax-withholding transaction (Code F).

After this event, Kemper directly held about 329,621.2177 shares of UMB Financial common stock. He also reported various indirect holdings, including shares held in custodial accounts for family members, employee stock ownership, multiple trusts, and entities such as Kemper Realty and Pioneer Service Corporation.

Positive

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Insider KEMPER J MARINER
Role Chairman and CEO
Type Security Shares Price Value
Tax Withholding Common Stock 1,721 $132.87 $229K
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 329,621.218 shares (Direct); Common Stock — 1,000 shares (Indirect, By Daughter - Custodial Brokerage Account)
Footnotes (1)
  1. [object Object]
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*
KEMPER J MARINER

(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)
X Director 10% Owner
X Officer (give title below) Other (specify below)
Chairman and CEO
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 1,721 D $132.87 329,621.2177(1) D
Common Stock 1,000 I By Daughter - Custodial Brokerage Account
Common Stock 2,352.3 I By Esop
Common Stock 1,000 I By Son - Custodial Brokerage Account
Common Stock 0 I By Trust - RC Kemper For John
Common Stock 21,460 I By Trust - TUW RC Kemper For John Mariner
Common Stock 12,558 I By Trust: Mary S Hunt Trust
Common Stock 8,000 I By Trust: Megan Kemper Trust
Common Stock 288,945 I Held by Kemper Realty
Common Stock 392,029 I Held by Pioneer Service Corporation
Common Stock 1,506,200 I By Trust - RC Kemper Irrevocable Trust
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. Kemper 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 CEO J. Mariner Kemper report?

J. Mariner Kemper reported a tax-withholding share disposition. On February 10, 2026, 1,721 UMB Financial common shares at $132.87 were withheld to satisfy tax obligations on dividends from vested restricted stock units, coded as a non-open-market tax transaction (Code F).

How many UMBF shares does J. Mariner Kemper hold directly after this Form 4?

After the reported transaction, Kemper directly held 329,621.2177 UMB Financial common shares. This figure reflects his direct beneficial ownership following the 1,721-share tax-withholding disposition tied to restricted stock unit dividend vesting, as detailed in the Form 4 filing’s non-derivative securities table.

Was the UMBF CEO’s Form 4 transaction an open-market stock sale?

The filing describes the move as a tax-withholding transaction, not an open-market sale. Code F indicates shares were disposed to cover tax liabilities from equity compensation dividends, specifically dividends earned when underlying restricted stock units vested, rather than a discretionary sale in the market.

What price per share is reported in the UMBF CEO’s Form 4 transaction?

The Form 4 lists a price of $132.87 per share for the 1,721 UMB Financial common shares. This price is used to calculate the value of shares withheld to satisfy tax obligations associated with dividends from vested restricted stock units, according to the explanation of responses.

What indirect UMBF share holdings are associated with J. Mariner Kemper?

The filing shows several indirect holdings, including 1,000 shares in a custodial account for his daughter, 1,000 for his son, 2,352.3 via an ESOP, and larger blocks held by trusts and entities such as Kemper Realty, Pioneer Service Corporation, and the RC Kemper Irrevocable Trust.

What does the Form 4 footnote say about the reported UMBF shares?

The footnote explains that the reported shares reflect dividends earned upon vesting of an underlying restricted stock unit. This clarifies the nature of the equity compensation involved and why a tax-withholding disposition of 1,721 UMB Financial common shares occurred on February 10, 2026.