UMB Financial president withholds 65 shares for taxes

UMB Financial Corp executive Phillip James Mason, President of Institutional Banking, disposed of 65 shares of common stock on February 10, 2026 in a tax-withholding transaction related to vested restricted stock units.

Rhea-AI Filing Summary

UMB Financial Corp executive Phillip James Mason, President of Institutional Banking, disposed of 65 shares of common stock on February 10, 2026 in a tax-withholding transaction related to vested restricted stock units. The shares were valued at $132.87 each.

After this transaction, he beneficially owned 9,729.419 shares directly. He also held 864.649 shares indirectly through a 401(k) plan and 241.076 shares indirectly through an ESOP.

Insider Trade Summary

Exercise Price or Tax Liability: 65 shares

Exercise Price or Tax Liability 3 txns

Insider Mason Phillip James

Role President, Inst. Banking

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	65	$132.87	$9K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 9,729.419 shares (Direct); Common Stock — 864.649 shares (Indirect, 401(k)); Common Stock — 241.076 shares (Indirect, ESO{P)

Footnotes (1)

1. F1. Reflects dividends earned upon vesting of the underlying restricted stock unit.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did UMBF executive Phillip James Mason report?

Phillip James Mason reported a tax-related share disposition. He used 65 UMB Financial Corp common shares to satisfy tax withholding on vested restricted stock units, rather than selling shares in an open-market transaction.

How many UMBF shares did Phillip James Mason use for tax withholding?

He used 65 UMB Financial Corp common shares for tax withholding. The shares were valued at $132.87 each and were applied to cover taxes on restricted stock units that had vested.

How many UMBF shares does Phillip James Mason own after this Form 4?

After the reported transaction, he directly owned 9,729.419 UMB Financial Corp common shares. He also held 864.649 shares indirectly through a 401(k) plan and 241.076 shares indirectly through an ESOP.

Was the UMBF insider transaction an open-market sale of shares?

No, the transaction was not an open-market sale. It was coded as “F,” indicating shares were used to pay tax liabilities related to vested restricted stock units, rather than a discretionary sale for investment purposes.

What does transaction code F mean in the UMBF Form 4 filing?

Transaction code F indicates payment of exercise price or tax liability by delivering securities. In this case, 65 UMB Financial Corp shares were withheld to cover taxes on vested restricted stock units, reducing direct holdings slightly.

What indirect UMBF share holdings does Phillip James Mason report?

He reports two categories of indirect holdings. These include 864.649 UMB Financial Corp shares in a 401(k) plan and 241.076 shares held through an ESOP, both in addition to his directly owned common stock.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 02/12/2026 - 04:28 PM 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^*

Mason Phillip James

(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)
	President, Inst. Banking

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		65	D	$132.87	9,729.419(1)	D
Common Stock								864.649	I	401(k)
Common Stock								241.076	I	ESO{P

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. Mason	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.