UMB Financial (UMBF) director boosts holdings with 786-share dividend reinvestment

Rhea-AI Filing Summary

UMB Financial Corp director Greg M. Graves increased his direct ownership of company stock through the dividend reinvestment plan. On 01/30/2026, he acquired 786 shares of common stock at a price of $127.14 per share. Following this automatic reinvestment, he directly owns 39,320.8422 shares of UMB Financial Corp common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider GRAVES GREG M

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	786	$127.14	$100K

Holdings After Transaction: Common Stock — 39,320.842 shares (Direct)

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^*

GRAVES GREG M

(Last) (First) (Middle)

5085 W 177TH TER

(Street)

STILWELL KS 66085

(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
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/30/2026

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	01/30/2026		A		786	A	$127.14	39,320.8422(1)	D

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. Includes shares acquired through participation in the UMB Financial Corporation dividend reinvestment plan.

	/s/ Debbie Lanemann by POA from Mr. Graves	02/02/2026
	** 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 director Greg M. Graves report?

Greg M. Graves reported acquiring 786 shares of UMB Financial Corp common stock. The acquisition occurred on 01/30/2026 through the company’s dividend reinvestment plan, increasing his directly held position in UMBF shares as reflected in the Form 4 filing.

At what price did Greg M. Graves acquire UMBF shares on January 30, 2026?

He acquired UMB Financial Corp common stock at $127.14 per share. This price applies to the 786 shares credited to him on 01/30/2026 through participation in the company’s dividend reinvestment plan, as disclosed in the insider transaction report.

How many UMBF shares does Greg M. Graves own after this Form 4 transaction?

After the reported transaction, Greg M. Graves beneficially owns 39,320.8422 UMB Financial Corp common shares directly. This total includes shares accumulated over time, including those acquired via the company’s dividend reinvestment plan, as stated in the Form 4 footnote.

Was the UMBF insider transaction a purchase, sale, or acquisition under a plan?

The transaction was reported with code “A” for an acquisition. It reflects 786 UMB Financial Corp shares acquired through participation in the dividend reinvestment plan rather than an open-market purchase or sale, according to the details in the Form 4 filing.

Does Greg M. Graves hold UMBF shares directly or indirectly after this transaction?

The filing shows Greg M. Graves holding 39,320.8422 UMB Financial Corp shares as a direct owner. The ownership form is marked “D” for direct, and no indirect ownership entities or disclaimers are indicated in the provided Form 4 data.