Form 4: Rine James D reports disposition transactions in UMBF

Rhea-AI Filing Summary

Rine James D reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 311 shares at a weighted average price of $132.16 per share. Following the reported transactions, holdings were 69,692 shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Rine James D

Role President

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	311	$132.16	$41K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 69,692.175 shares (Direct); Common Stock — 1,487.754 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^*

Rine James D

(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)
	President

3. Date of Earliest Transaction (Month/Day/Year)
02/11/2026

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	02/11/2026		F		311	D	$132.16	69,692.1751(1)	D
Common Stock								1,487.754	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 Mr. Rine	02/13/2026
	** 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 President James D. Rine report?

James D. Rine reported a tax-withholding disposition of 311 UMB Financial common shares. The shares were withheld on February 11, 2026 at $132.16 each to satisfy tax obligations associated with equity compensation, rather than sold in an open market transaction.

How many UMBF shares does James D. Rine hold after this Form 4?

After the reported transaction, James D. Rine directly holds 69,692.1751 UMB Financial common shares. He also indirectly holds 1,487.754 additional shares through an employee stock ownership plan, giving investors a view of his continuing equity exposure to the company.

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

Transaction code F indicates shares used to pay exercise price or tax liabilities. In this UMB Financial filing, 311 shares were withheld at $132.16 each to satisfy tax obligations related to equity compensation, rather than representing a discretionary sale into the market.

Was the UMBF insider transaction an open-market sale of shares?

No, the transaction was not an open-market sale. The 311 UMB Financial shares were withheld as a tax-withholding disposition at $132.16 per share, covering tax liabilities on vested restricted stock units instead of being sold to outside buyers.

What role does the ESOP play in James D. Rine’s UMBF share ownership?

The ESOP holds 1,487.754 UMB Financial shares for James D. Rine on an indirect basis. This indirect ownership supplements his 69,692.1751 directly held shares, reflecting additional employee-related equity benefits alongside his primary personal holdings in the company.

What does the footnote about dividends in the UMBF Form 4 indicate?

The footnote states that reported amounts reflect dividends earned upon vesting of restricted stock units. This means Rine’s UMB Financial holdings shown in the Form 4 incorporate additional shares credited as dividend equivalents tied to the vested equity awards.