[Form 4] UMB FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

UMB Financial Corp Executive Vice President Uma Wilson reported routine equity compensation and tax-related share activity. On February 9, 2026, she acquired 1,855 restricted share units of common stock at $0, representing stock-based compensation. These units vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029.

On February 7, 2026, 228 shares of common stock were withheld at $134.32 per share, typically to cover tax obligations upon vesting. After these transactions, she holds 24,811.9167 shares directly and 281.993 shares indirectly through an ESOP, reflecting ongoing alignment of her compensation with shareholder interests.

Insights

Equity compensation and governance analyst

Routine equity awards and tax withholding for UMB Financial EVP.

Uma Wilson, an Executive Vice President of UMB Financial Corp, reported standard stock-based compensation activity. She received 1,855 restricted share units at $0 on February 9, 2026, consistent with non-cash equity awards to senior executives.

The filing also shows 228 shares withheld at $134.32 per share on February 7, 2026, which is commonly associated with covering tax liabilities on vesting. Following these events, she directly holds 24,811.9167 shares and indirectly holds 281.993 shares via an ESOP, indicating meaningful ongoing ownership.

These transactions appear administrative and compensatory rather than discretionary buying or selling in the open market. They do not on their own signal a change in corporate strategy or financial condition, and would generally be viewed as neutral for investors monitoring insider activity.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Wilson Uma

Role Executive Vice President

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,855	$0.00	--
Tax Withholding	Common Stock	228	$134.32	$31K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 24,811.917 shares (Direct); Common Stock — 281.993 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

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^*

Wilson Uma

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Vice President

3. Date of Earliest Transaction (Month/Day/Year)
02/07/2026

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	02/07/2026		F		228	D	$134.32	22,949.9167(1)	D
Common Stock	02/09/2026		A		1,855(2)	A	$0	24,811.9167	D
Common Stock								281.993	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.

2. These restricted share units vest: 33% on February 9, 2027; 33% February 9, 2028; and 34% on February 9, 2029.

	/s/ Jason Bartel, attorney-in-fact for Ms. Wilson	02/10/2026
	** 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.