UMB Financial (UMBF) EVP logs 227-share tax withholding move

Rhea-AI Filing Summary

UMB Financial Corp Executive Vice President Uma Wilson reported a tax-withholding disposition of 227 shares of common stock on February 9, 2026 at $134.29 per share. After this transaction, she beneficially owned 24,599.9167 shares directly and 294.876 shares indirectly through an ESOP.

Footnotes explain that the changes reflect dividends earned upon vesting of restricted stock units and ESOP allocations and dispositions since her prior ownership report, indicating these are largely administrative equity and tax-related adjustments rather than open-market trading.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Wilson Uma

Role Executive Vice President

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	227	$134.29	$30K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 24,599.917 shares (Direct); Common Stock — 294.876 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

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)
02/09/2026

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	02/09/2026		F		227	D	$134.29	24,599.9167(1)	D
Common Stock								294.876(2)	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. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

	/s/ Jason Bartel, attorney-in-fact for Ms. Wilson	02/11/2026
	** 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 transaction did UMBF Executive Vice President Uma Wilson report?

Uma Wilson reported a tax-withholding disposition of 227 shares of UMB Financial Corp common stock on February 9, 2026 at $134.29 per share. This transaction used shares to cover tax obligations tied to equity compensation rather than representing an open-market purchase or sale.

How many UMBF shares does Uma Wilson own after the February 9, 2026 transaction?

After the February 9, 2026 tax-withholding disposition, Uma Wilson beneficially owned 24,599.9167 UMB Financial Corp common shares directly. She also held 294.876 additional common shares indirectly through an employee stock ownership plan, according to the Form 4 ownership table.

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

Code F on the UMB Financial Corp Form 4 indicates a tax-withholding disposition, where shares are delivered to satisfy tax liabilities on equity awards. In this case, 227 common shares were used at a price of $134.29 per share for that purpose.

What do the ESOP holdings reported for Uma Wilson at UMBF represent?

The Form 4 shows 294.876 UMB Financial Corp common shares held indirectly by Uma Wilson through an ESOP. A footnote explains this reflects ESOP allocations and dispositions occurring since her last ownership report, capturing changes within the plan over time.

How do restricted stock unit dividends affect Uma Wilson’s UMBF share count?

A Form 4 footnote states that some reported shares reflect dividends earned upon vesting of underlying restricted stock units. This means dividend equivalents associated with her equity awards were credited in shares, modestly increasing her beneficial ownership without an open-market purchase.