Director John K. Schmidt (UMBF) receives 116-share stock grant at $129.24

Rhea-AI Filing Summary

SCHMIDT JOHN K reported acquisition or exercise transactions in this Form 4 filing.

UMB Financial Corp director John K. Schmidt reported a compensation-related equity award rather than an open-market trade. He received 116 shares of Common Stock on May 1 as a grant at $129.24 per share, increasing his direct holdings to 33,370 shares. The filing also lists 21,818 Common Stock shares held indirectly by his spouse, indicating an additional indirect ownership position reported in his name.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider SCHMIDT JOHN K

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	116	$129.24	$15K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 33,370 shares (Direct, null); Common Stock — 21,818 shares (Indirect, by Spouse)

Footnotes (1)

Key Figures

Shares granted: 116 shares Grant price: $129.24 per share Direct holdings after grant: 33,370 shares +1 more

4 metrics

Shares granted 116 shares Common Stock grant on May 1

Grant price $129.24 per share Value used for the 116-share award

Direct holdings after grant 33,370 shares Common Stock directly owned after transaction

Indirect spouse holdings 21,818 shares Common Stock held indirectly by spouse

Key Terms

Common Stock, Grant, award, or other acquisition, indirect, nature of ownership

4 terms

Common Stock financial

"security_title: "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Grant, award, or other acquisition financial

"transaction_code_description: "Grant, award, or other acquisition""

indirect financial

"ownership_type: "indirect""

nature of ownership financial

"nature_of_ownership: "by Spouse""

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^*

SCHMIDT JOHN K

(Last) (First) (Middle)

1010 GRAND BLVD

(Street)

KANSAS CITY MISSOURI 64106

(City) (State) (Zip)

UNITED STATES

(Country)

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
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	05/01/2026		A		116	A	$129.24	33,370	D
Common Stock								21,818	I	by Spouse

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:

	/s/ Debbie Lanemann, POA from Mr. Schmidt	05/04/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did UMBF director John K. Schmidt report?

Director John K. Schmidt reported receiving a grant of 116 shares of UMB Financial Corp common stock. The shares were awarded as a compensation-related grant rather than bought on the open market, reflecting routine equity-based remuneration disclosed in a Form 4 filing.

At what price was John K. Schmidt’s share grant in UMBF recorded?

The 116-share grant to John K. Schmidt was recorded at $129.24 per UMB Financial Corp share. This price reflects the value used for the award on the grant date, providing a reference point for the size of the compensation-related equity transaction.

How many UMBF shares does John K. Schmidt hold directly after this Form 4?

After the reported grant, John K. Schmidt directly holds 33,370 shares of UMB Financial Corp common stock. This total includes the newly awarded 116 shares and represents his direct ownership position as disclosed in the Form 4 filing.

What indirect UMBF holdings related to John K. Schmidt are disclosed?

The filing shows 21,818 UMB Financial Corp common shares held indirectly by John K. Schmidt’s spouse. These shares are reported as indirect ownership, indicating a related-party holding attributed to him under SEC beneficial ownership reporting rules.

Was John K. Schmidt’s UMBF transaction an open-market purchase or sale?

The transaction was not an open-market purchase or sale; it was coded as a grant or award acquisition. This means Schmidt received 116 shares of UMB Financial Corp as part of compensation, rather than choosing to buy or sell shares in the market.