UMB Financial (UMBF) EVP uses 131 shares for tax withholding on awards

Rhea-AI Filing Summary

UMB Financial Corp Executive Vice President Uma Wilson reported a small tax-related share disposition in company stock. On 02/10/2026, 131 shares of common stock were surrendered at $132.87 per share under transaction code F to cover tax withholding on equity compensation.

After this transaction, Wilson directly beneficially owned 24,484.9167 shares of UMB Financial common stock, reflecting dividends earned upon vesting of underlying restricted stock units. She also indirectly held 294.876 shares through an employee stock ownership plan (ESOP).

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	131	$132.87	$17K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 24,484.917 shares (Direct); Common Stock — 294.876 shares (Indirect, By ESOP)

Footnotes (1)

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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)
02/10/2026

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		131	D	$132.87	24,484.9167(1)	D
Common Stock								294.876	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.

	/s/ Jason Bartel, attorney-in-fact for Ms. Wilson	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.

FAQ

What insider transaction did UMBF executive Uma Wilson report on this Form 4?

Uma Wilson reported a tax-withholding disposition of 131 shares of UMB Financial common stock. The shares were surrendered at $132.87 per share to satisfy tax obligations tied to equity compensation vesting on February 10, 2026.

How many UMBF shares does Uma Wilson own after the reported transaction?

After the transaction, Uma Wilson beneficially owned 24,484.9167 UMB Financial common shares directly. She also held an additional 294.876 shares indirectly through an employee stock ownership plan, according to the reported post-transaction ownership figures.

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

Transaction code F indicates shares were used to pay an exercise price or tax liability. In this UMB Financial filing, 131 shares were surrendered specifically as a tax-withholding disposition connected to vesting of equity awards, not an open-market sale.

What is the significance of the footnote about dividends in the UMBF Form 4?

The footnote explains that the reported holding reflects dividends earned upon vesting of underlying restricted stock units. This means Wilson’s fractional share balance in UMB Financial increased due to dividend equivalents credited on her vested equity awards.

How are Uma Wilson’s indirect UMBF holdings structured in this report?

The filing shows 294.876 UMB Financial shares held indirectly “By ESOP.” This indicates those shares are owned through an employee stock ownership plan, separate from her directly held 24,484.9167 shares reported under direct beneficial ownership.