Form 4: Shankar Ram reports disposition transactions in UMBF

Rhea-AI Filing Summary

Shankar Ram reported disposition transactions in a Form 4 filing for UMBF. The filing lists transactions totaling 381 shares at a weighted average price of $134.29 per share. Following the reported transactions, holdings were 32,677 shares.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Shankar Ram

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	381	$134.29	$51K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 32,677.141 shares (Direct); Common Stock — 1,605.25 shares (Indirect, By 401K)

Footnotes (1)

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

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^*

Shankar Ram

(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)
	Chief Financial Officer

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/09/2026		F		381	D	$134.29	32,677.1405(1)	D
Common Stock								1,605.25(2)	I	By 401K
Common Stock								97.06(3)	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.

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. Shankar	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.

FAQ

What insider transaction did UMBF CFO Shankar Ram report on February 9, 2026?

He reported a tax-withholding share disposition tied to equity awards. On February 9, 2026, 381 shares of UMB Financial common stock were disposed of at $134.29 per share to cover tax liabilities from vesting restricted stock units, rather than an open-market sale.

How many UMBF shares does CFO Shankar Ram own after the reported Form 4 transaction?

He reported direct beneficial ownership of 32,677.1405 shares. In addition, he held 1,605.25 shares indirectly through the UMB Financial Corporation 401(k) Plan and 97.06 shares through the ESOP, reflecting plan acquisitions, dividends, and allocations since his prior ownership report.

What does transaction code F mean in the UMBF Form 4 for Shankar Ram?

Code F indicates a tax-withholding disposition of shares. It shows that 381 shares of common stock were used to pay the exercise price or satisfy tax liabilities triggered by equity award vesting, not an ordinary open-market purchase or sale transaction.

How were 401(k) plan holdings reported for UMBF CFO Shankar Ram?

His 401(k) holdings were reported as indirect ownership. The filing listed 1,605.25 shares of UMB Financial common stock held "By 401K," reflecting shares acquired through the UMB Financial Corporation 401(k) Plan since his last reported ownership update.

What are the ESOP holdings reported for UMBF CFO Shankar Ram on this Form 4?

He reported 97.06 shares held through the ESOP. The filing states these represent ESOP allocations and dispositions that have occurred since his previous ownership report, and they are classified as indirectly owned common stock of UMB Financial.

Did the UMBF Form 4 indicate dividends related to restricted stock units for Shankar Ram?

Yes, the filing referenced dividends tied to restricted stock units. A footnote explained that certain reported shares reflect dividends earned upon vesting of the underlying restricted stock unit awards, which contributed to his updated beneficial ownership totals.