STOCK TITAN

UMB Financial (UMBF) CEO sells 15,062 shares held in trust

(Very High)
(Negative)
Form Type
4

Rhea-AI Filing Summary

UMB Financial Corp director and Chairman and CEO J. Mariner Kemper reported the sale of 15,062 shares of Common Stock on August 4, 2026 at a weighted average price of $148.55 per share, executed in multiple trades between $148.16 and $149.11. The shares were sold indirectly by the RC Kemper Irrevocable Trust, which now holds 1,491,138 shares, while Kemper also reports 328,710.2177 shares held directly and additional indirect holdings through family trusts, custodial accounts, an ESOP, and affiliated entities.

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Insights

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Insider KEMPER J MARINER
Role Chairman and CEO
Sold 15,062 shs ($2.24M)
Type Security Shares Price Value
Sale Common Stock F1 15,062 $148.55 $2.24M
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Holdings After Transaction: Common Stock — 1,491,138 shares (Indirect, By Trust - RC Kemper Irrevocable Trust); Common Stock — 328,710.2177 shares (Direct); Common Stock — 1,020.29 shares (Indirect, By Daughter - Custodial Brokerage Account); Common Stock — 2,352.3 shares (Indirect, By Esop); Common Stock — 1,024.082 shares (Indirect, By Son - Custodial Brokerage Account); Common Stock — 1,314.921 shares (Indirect, By Trust - J. Mariner Kemper Trust); Common Stock — 0 shares (Indirect, By Trust - RC Kemper For John); Common Stock — 5,561 shares (Indirect, By Trust - RC Kemper Irr Dynasty for John Mariner Kemper); Common Stock — 21,460 shares (Indirect, By Trust - TUW RC Kemper For John Mariner); Common Stock — 12,558 shares (Indirect, By Trust: Mary S Hunt Trust); Common Stock — 8,216.735 shares (Indirect, By Trust: Megan Kemper Trust); Common Stock — 288,945 shares (Indirect, Held by Kemper Realty); Common Stock — 392,029 shares (Indirect, Held by Pioneer Service Corporation)
Footnotes (1)
  1. F1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $148.16 to $149.11, inclusive.
Shares sold 15,062 shares Common Stock sale on 2026-08-04 by RC Kemper Irrevocable Trust
Weighted average sale price $148.55 per share Multiple transactions between $148.16 and $149.11 per share
Shares held by RC Kemper Irrevocable Trust 1,491,138 shares Indirect ownership after reported sale
Directly owned shares 328,710.2177 shares Common Stock directly held by J. Mariner Kemper
ESOP holdings 2,352.3000 shares Indirect ownership reported as "By Esop"
Kemper Realty holdings 288,945.0000 shares Indirect ownership reported as "Held by Kemper Realty"
Pioneer Service Corporation holdings 392,029.0000 shares Indirect ownership reported as "Held by Pioneer Service Corporation"
weighted average price financial
"The price reported in Column 4 is a weighted average price."
Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.
Irrevocable Trust financial
"By Trust - RC Kemper Irrevocable Trust"
An irrevocable trust is a legal arrangement where an owner transfers assets into a separate entity managed by a trustee and gives up the power to modify or reclaim those assets. For investors it matters because putting stock or other holdings into such a trust can change who controls and benefits from the assets, affect taxes and creditor protection, and influence how easy it is to sell or value those holdings—like placing valuables in a locked safe overseen by someone else.
custodial brokerage account financial
"By Daughter - Custodial Brokerage Account"
Esop financial
"By Esop"
An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.
indirect financial
"ownership_type": "indirect""

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FAQ

What insider transaction did UMBF Chairman and CEO J. Mariner Kemper report?

J. Mariner Kemper reported selling 15,062 UMB Financial common shares on August 4, 2026 at a weighted average price of $148.55 per share, executed in multiple trades between $148.16 and $149.11, through an indirectly owned trust.

At what prices were the UMBF shares sold in Kemper’s reported Form 4 transaction?

The reported weighted average sale price was $148.55 per share. The footnote explains the 15,062 shares were sold in multiple transactions at prices ranging from $148.16 to $149.11 per share, inclusive, by the RC Kemper Irrevocable Trust.

How many UMBF shares does the RC Kemper Irrevocable Trust hold after the sale?

The RC Kemper Irrevocable Trust holds 1,491,138 UMB Financial shares after the reported sale. These shares are reported as indirectly owned by J. Mariner Kemper, reflecting his association with the trust rather than direct personal ownership.

What are J. Mariner Kemper’s directly owned UMBF share holdings in this filing?

J. Mariner Kemper directly owns 328,710.2177 UMB Financial common shares as reported in the Form 4. Additional reported positions are held indirectly through family trusts, custodial brokerage accounts, an ESOP, and affiliated entities.

What other indirect UMBF holdings are reported for J. Mariner Kemper?

Kemper reports multiple indirect UMB Financial holdings, including shares held by family trusts, custodial brokerage accounts for his children, an ESOP, and entities such as Kemper Realty and Pioneer Service Corporation, each with separately reported share balances.
SEC Form 4
FORM 4UNITED 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*
KEMPER J MARINER

(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)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
Chairman and CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/04/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock08/04/2026S15,062D$148.55(1)1,491,138IBy Trust - RC Kemper Irrevocable Trust
Common Stock328,710.2177D
Common Stock1,020.29IBy Daughter - Custodial Brokerage Account
Common Stock2,352.3IBy Esop
Common Stock1,024.082IBy Son - Custodial Brokerage Account
Common Stock1,314.921IBy Trust - J. Mariner Kemper Trust
Common Stock0IBy Trust - RC Kemper For John
Common Stock5,561IBy Trust - RC Kemper Irr Dynasty for John Mariner Kemper
Common Stock21,460IBy Trust - TUW RC Kemper For John Mariner
Common Stock12,558IBy Trust: Mary S Hunt Trust
Common Stock8,216.735IBy Trust: Megan Kemper Trust
Common Stock288,945IHeld by Kemper Realty
Common Stock392,029IHeld by Pioneer Service Corporation
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $148.16 to $149.11, inclusive.
/s/ Jason Bartel, attorney-in-fact for Mr. Kemper08/06/2026
** Signature of Reporting PersonDate
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)