UMB Financial (UMBF) officer reports RSU grant and tax share withholding

Rhea-AI Filing Summary

UMB Financial Corp. officer Nikki Farentino Newton, President of Private Wealth Management, reported routine equity compensation transactions. On February 7, 2026, 240 shares of common stock were withheld at $134.32 per share to cover taxes on a prior award, leaving 12,759.81 directly held shares.

On February 9, 2026, Newton received 1,634 restricted share units at no cash cost, increasing directly held common stock to 14,400.81 shares. These restricted units vest 33% on February 9, 2027, 33% on February 9, 2028, and 34% on February 9, 2029. Newton also has an indirect interest in 65.925 shares through an ESOP.

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^*

Newton Nikki Farentino

(Last) (First) (Middle)

1010 GRAND BOULEVARD

(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, Private Wealth Mgmt

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		240	D	$134.32	12,759.81(1)	D
Common Stock	02/09/2026		A		1,634(2)	A	$0	14,400.81	D
Common Stock								65.925	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 Mr. Newton	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.

FAQ

What insider transactions did UMBF officer Nikki Farentino Newton report?

Nikki Farentino Newton reported tax-related share withholding and a new restricted stock grant. 240 shares were withheld at $134.32 on February 7, 2026, and 1,634 restricted share units were granted on February 9, 2026, as equity compensation.

How many UMBF shares does Nikki Farentino Newton own after the reported Form 4?

After the reported transactions, Newton directly holds 14,400.81 shares of UMB Financial common stock. She also has an indirect interest in 65.925 additional shares through an employee stock ownership plan (ESOP), as disclosed in the Form 4 filing.

What are the vesting terms for Nikki Farentino Newton’s 1,634 UMBF restricted share units?

The 1,634 restricted share units vest in three annual installments. 33% vest on February 9, 2027, another 33% on February 9, 2028, and the remaining 34% on February 9, 2029, subject to continued service and applicable plan terms.

Why were 240 UMBF shares withheld from Nikki Farentino Newton on February 7, 2026?

The 240 shares withheld on February 7, 2026, reflect shares used to satisfy tax obligations upon vesting of a restricted stock unit award. The shares were valued at $134.32 each, a common mechanism to cover withholding taxes on equity compensation.

What role does Nikki Farentino Newton hold at UMB Financial Corp.?

Nikki Farentino Newton serves as an officer of UMB Financial Corp., holding the title President, Private Wealth Mgmt. Her Form 4 filing reflects equity compensation and related tax withholding associated with her executive role at the company.