How are Mason’s 401(k) and ESOP UMBF share holdings described in the Form 4?

Mason’s indirect holdings are split between a 401(k) and ESOP. The filing shows 864.649 UMB Financial shares acquired through the company’s 401(k) plan and 241.076 shares from ESOP allocations and dispositions recorded since his last ownership report, both classified as indirect beneficial ownership.

UMB Financial officer logs tax share disposition

Q: What does transaction code F mean in the UMBF Form 4 for Phillip James Mason?

Transaction code F denotes a tax-withholding disposition. In this UMB Financial Corp filing, code F is described as payment of an exercise price or tax liability by delivering securities, meaning Mason used 201 shares to cover taxes rather than executing an open-market sale.

UMB Financial Corp executive Phillip James Mason reported a tax-related share disposition.

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Rhea-AI Filing Summary

UMB Financial Corp executive Phillip James Mason reported a tax-related share disposition. On 02/09/2026, 201 shares of UMB Financial common stock were disposed of at $134.29 per share using transaction code F, which represents payment of tax liability by delivering securities.

After this tax-withholding disposition, Mason directly beneficially owned 9,786.419 common shares. He also indirectly held 864.649 shares through the UMB Financial Corporation 401(k) Plan and 241.076 shares through ESOP allocations and dispositions since his last ownership report.

Insider Trade Summary

Exercise Price or Tax Liability: 201 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	201	$134.29	$27K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 9,786.419 shares (Direct); Common Stock — 864.649 shares (Indirect, 401(k)); Common Stock — 241.076 shares (Indirect, ESO{P)

Footnotes (3)

F1. Reflects dividends earned upon vesting of the underlying restricted stock unit.
F2. Reflects shares acquired by the reporting person through the UMB Financial Corporation 401(k) Plan
F3. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

FAQ

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What insider transaction did UMBF executive Phillip James Mason report on February 9, 2026?

Phillip James Mason reported a tax-related share disposition. On 02/09/2026, he used 201 shares of UMB Financial common stock, at $134.29 per share, to satisfy tax obligations via transaction code F, which indicates payment of tax liability by delivering securities.

How many UMBF shares does Phillip James Mason own after the reported Form 4 transaction?

After the transaction, Mason directly owned 9,786.419 UMBF shares. He also indirectly held 864.649 shares through the UMB Financial Corporation 401(k) Plan and 241.076 shares through ESOP allocations and dispositions since his prior ownership report, as disclosed in the filing footnotes.

What does transaction code F mean in the UMBF Form 4 for Phillip James Mason?

Transaction code F denotes a tax-withholding disposition. In this UMB Financial Corp filing, code F is described as payment of an exercise price or tax liability by delivering securities, meaning Mason used 201 shares to cover taxes rather than executing an open-market sale.

What role does Phillip James Mason hold at UMB Financial Corp (UMBF)?

Phillip James Mason serves as President, Institutional Banking at UMB Financial. The Form 4 identifies him as an officer, not a director or 10% owner, and lists his title as “President, Inst. Banking,” clarifying his executive position within the company’s leadership structure.

What do the Form 4 footnotes explain about dividends and allocations for UMBF shares?

The footnotes clarify sources of certain UMBF share changes. They state some figures reflect dividends earned upon vesting of restricted stock units, shares acquired through the UMB Financial Corporation 401(k) Plan, and ESOP allocations and dispositions since Mason’s previous ownership report.

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Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 02/11/2026 - 05:19 PM

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

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)
02/09/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	02/09/2026		F		201	D	$134.29	9,786.419⁽¹⁾	D
Common Stock								864.649⁽²⁾	I	401(k)
Common Stock								241.076⁽³⁾	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

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

2. Reflects shares acquired by the reporting person through the UMB Financial Corporation 401(k) Plan

3. 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 Mr. Mason	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.

Source: View Original Filing on SEC EDGAR