UMB Financial director increases stake; now 38,410 shares

Rhea-AI Filing Summary

UMB Financial Corp. (UMBF) reported an insider purchase on a Form 4. A director bought 264.3141 shares of common stock at $106.41 on 11/03/2025 (Transaction Code P).

Following the transaction, the director beneficially owned 38,410.5207 shares, held directly. The filing notes the total includes shares acquired through participation in UMB Financial Corporation’s dividend reinvestment plan.

Insider Trade Summary

Net Buyer: 264.3141 shares

Net Buy 1 txn

Insider GRAVES GREG M

Role Director

Bought 264.3141 shs ($28K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	264.3141	$106.41	$28K

Holdings After Transaction: Common Stock — 38,410.5207 shares (Direct)

Footnotes (1)

1. F1. Includes shares acquired through participation in the UMB Financial Corporation dividend reinvestment plan.

FAQ

How many UMBF shares were purchased in this Form 4?

The Form 4 reports a purchase of 264.3141 shares of common stock.

What was the purchase price per UMBF share?

The shares were purchased at $106.41 per share.

When did the UMBF insider transaction occur?

The transaction date was 11/03/2025.

What is the insider’s total beneficial ownership after the trade?

Beneficial ownership following the transaction is 38,410.5207 shares.

What was the insider’s relationship to UMB Financial Corp.?

The reporting person is a Director of UMB Financial Corp.

How is the ownership held after this transaction?

The shares are held directly (D) by the reporting person.

Does beneficial ownership include dividend reinvestment shares?

Yes. The filing states it includes shares acquired through the company’s dividend reinvestment plan.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 11/05/2025 - 08:43 AM Learn about SEC filing dates

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^*

GRAVES GREG M

(Last) (First) (Middle)

5085 W 177TH TER

(Street)

STILWELL KS 66085

(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
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
11/03/2025

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	11/03/2025		P		264.3141	A	$106.41	38,410.5207(1)	D

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. Includes shares acquired through participation in the UMB Financial Corporation dividend reinvestment plan.

	/s/ Jason Bartel, attorney-in-fact for Mr. Graves	11/05/2025
	** 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.