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UMB Financial Corp (UMBF) Chief Financial Officer Shankar Ram reported a small, routine sale of company stock. On 09/12/2025 Mr. Ram disposed of 500 shares of UMBF common stock in a transaction coded G (normally indicating a transaction under Rule 16b-3, such as a Form 4 reporting of a transaction in a company-sponsored plan). After the sale he beneficially owned 31,177.1405 shares directly and held additional indirect holdings of 1,437.179 shares via a 401(k) and 87.093 shares via an ESOP. The Form 4 is signed by an attorney-in-fact and provides standard Section 16 disclosure of the change in beneficial ownership.