UMB Financial (UMBF) CEO J. Mariner Kemper sells 18,714 shares

Rhea-AI Filing Summary

UMB Financial CorpFebruary 2, 2026

After these transactions, Kemper beneficially owned 318,350.2177 shares directly. The RC Kemper Irrevocable Trust held 1,506,200 shares following the reported sales. The filing also lists various other indirect holdings through family trusts, custodial accounts, an ESOP, and related entities.

02/03/2026 - 06:18 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^*

KEMPER J MARINER

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman and CEO

3. Date of Earliest Transaction (Month/Day/Year)
02/02/2026

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	02/02/2026		S		3,500	D	$129.0558	318,350.2177	D
Common Stock	02/02/2026		S		7,972	D	$128.0437(1)	1,513,442	I	By Trust - RC Kemper Irrevocable Trust
Common Stock	02/02/2026		S		7,242	D	$129.1859(2)	1,506,200	I	By Trust - RC Kemper Irrevocable Trust
Common Stock								1,000	I	By Daughter - Custodial Brokerage Account
Common Stock								2,309.08	I	By Esop
Common Stock								1,000	I	By Son - Custodial Brokerage Account
Common Stock								0	I	By Trust - RC Kemper For John
Common Stock								21,460	I	By Trust - TUW RC Kemper For John Mariner
Common Stock								12,558	I	By Trust: Mary S Hunt Trust
Common Stock								8,000	I	By Trust: Megan Kemper Trust
Common Stock								288,945	I	Held by Kemper Realty
Common Stock								392,029	I	Held 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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported in this column is a weighted average price. These shares were sold in multiple transactions at prices ranging from 127.73 to 128.73, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the range set forth in this footnote to this Form 4.

2. The price reported in this column is a weighted average price. These shares were sold in multiple transactions at prices ranging from 128.76 to 129.74, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the ranges set forth in this footnote to this Form 4.

	/s/ Megan Mercer, attorney-in-fact for Mr. Kemper	02/03/2026
	** 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 CEO J. Mariner Kemper report on February 2, 2026?

J. Mariner Kemper reported selling 18,714 shares of UMB Financial common stock on February 2, 2026. This included 3,500 shares sold directly and additional shares sold indirectly through the RC Kemper Irrevocable Trust, all recorded as open market sales of common stock.

At what prices were the UMBF shares sold by J. Mariner Kemper and related trust?

The directly held 3,500 UMB Financial shares were sold at $129.0558 per share. Trust sales used weighted average prices of $128.0437 and $129.1859, with underlying individual trades occurring in ranges from $127.73 up to $129.74, according to the transaction footnotes.

How many UMBF shares does J. Mariner Kemper hold directly after these transactions?

Following the reported sales, J. Mariner Kemper directly beneficially owned 318,350.2177 shares of UMB Financial common stock. This figure reflects his remaining direct position after the 3,500-share sale recorded on February 2, 2026, under transaction code “S” for a sale transaction.

What UMBF shares are held indirectly for J. Mariner Kemper through the RC Kemper Irrevocable Trust?

After the February 2, 2026 transactions, the RC Kemper Irrevocable Trust held 1,506,200 UMB Financial common shares. Two sale entries from this trust were reported, involving 7,972 shares and 7,242 shares sold at weighted average prices with detailed price ranges noted in the footnotes.

What other indirect UMBF holdings are associated with J. Mariner Kemper?

Additional indirect holdings include shares in custodial brokerage accounts for his daughter and son, an ESOP position, several family and personal trusts, and shares held by Kemper Realty and Pioneer Service Corporation, with each relationship and share balance clearly described in the ownership table.

What do the weighted average price footnotes in the UMBF Form 4 mean?

The footnotes explain that reported prices are weighted averages for multiple trades within stated ranges. For example, one sale range spans $127.73 to $128.73. The reporting person offers to provide detailed breakdowns of shares sold at each specific price to interested parties upon request.