UMB Financial (UMBF) HR chief reports tax-withholding share disposition

Rhea-AI Filing Summary

UMB Financial Corp’s Chief Human Resource Officer, Robert Brian Beaird, reported a small tax-related share disposition. On February 11, 2026, 70 shares of UMB Financial common stock were disposed of at $132.16 per share to satisfy tax withholding obligations tied to equity compensation.

After this transaction, Beaird directly beneficially owned 10,543.3509 shares of common stock and indirectly held 227.936 shares through an ESOP. A footnote explains that the activity reflects dividends earned upon vesting of underlying restricted stock units rather than an open-market trade.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Beaird Robert Brian

Role Chief Human Resource Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	70	$132.16	$9K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,543.351 shares (Direct); Common Stock — 227.936 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^*

Beaird Robert Brian

(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 Human Resource Officer

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		70	D	$132.16	10,543.3509(1)	D
Common Stock								227.936	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 D. Bartel, attorney-in-fact for Mr. Beaird	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 executive Robert Brian Beaird report?

Robert Brian Beaird reported a small tax-withholding disposition of 70 shares of UMB Financial common stock. The shares were valued at $132.16 each and were used to cover tax liabilities related to vested restricted stock units, not an open-market sale.

How many UMBF shares does Robert Brian Beaird own after this Form 4?

After the reported transaction, Robert Brian Beaird beneficially owned 10,543.3509 UMB Financial common shares directly. He also indirectly held 227.936 additional shares through an employee stock ownership plan (ESOP), according to the ownership details disclosed in the filing.

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

The F transaction code indicates a tax-withholding disposition, where shares are delivered to satisfy tax liabilities or exercise costs. In this case, 70 UMB Financial shares were withheld to cover taxes tied to vesting restricted stock units, rather than being sold on the open market.

What role does Robert Brian Beaird hold at UMB Financial Corp (UMBF)?

Robert Brian Beaird serves as Chief Human Resource Officer at UMB Financial Corp. His Form 4 filing reflects equity compensation activity, including tax-withholding shares and holdings both directly and through an ESOP, consistent with executive compensation structures.

How are ESOP shares reported in the UMBF Form 4 for Robert Brian Beaird?

The filing lists 227.936 UMB Financial shares as indirectly owned by Robert Brian Beaird through an ESOP. These are reported separately from the 10,543.3509 shares he holds directly, clarifying the distinction between direct and indirect beneficial ownership in the disclosure.