Vanguard Portfolio Management (UMBF) reports 4.18M shares, 5.48% stake

Rhea-AI Filing Summary

UMB Financial Corp Schedule 13G: Vanguard Portfolio Management reports beneficial ownership of 4,176,256 shares of Common Stock, representing 5.48% of the class. The filing states Vanguard Portfolio Management LLC and affiliated business units exercise dispositive power over these shares.

The report lists 40,036 shares as sole voting power and certifies holdings on behalf of pooled investment vehicles and managed accounts. The filing is signed by Ashley Grim as Head of Global Fund Administration.

Insights

Institutional Ownership Analyst

Vanguard holds a 5.48% stake in UMB Financial as reported on Schedule 13G.

The filing shows 4,176,256 shares with 40,036 shares carrying sole voting power while dispositive power is held by Vanguard Portfolio Management LLC and affiliates. The disclosure attributes holdings to pooled funds and managed accounts.

Because this is a Schedule 13G, the position is presented as passive ownership under SEC rules; subsequent Form 13D or Form 4 filings would signal active intentions or transactions.

Key Figures

Shares beneficially owned: 4,176,256 shares Percent of class: 5.48% Sole voting power: 40,036 shares +2 more

5 metrics

Shares beneficially owned 4,176,256 shares Schedule 13G reported amount

Percent of class 5.48% Reported percentage of common stock

Sole voting power 40,036 shares Shares with sole voting power reported

CUSIP 902788108 Identifier for UMB Financial common stock

Signature date 04/29/2026 Date signing Schedule 13G

Key Terms

Schedule 13G, Beneficial ownership, Dispositive power, Sole voting power

4 terms

Schedule 13G regulatory

"Vanguard Portfolio Management reports beneficial ownership on Schedule 13G"

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

Beneficial ownership financial

"Amount beneficially owned: 4176256"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

Dispositive power regulatory

"Sole power to dispose or to direct the disposition of: 4176256"

Dispositive power is the authority to decide the final outcome of an asset, legal claim, contract, or corporate action — in effect the power to dispose of or resolve something. For investors it matters because whoever holds that authority can determine who gets paid, who controls an asset or vote, and how risks and returns are allocated; think of it like holding the key that lets you lock in the winner or loser in a deal.

Sole voting power regulatory

"Sole power to vote or to direct the vote: 40036"

Sole voting power is the exclusive right to cast votes attached to a shareholder’s stock without needing approval from anyone else. Like holding the only remote control for a TV, it lets that holder decide corporate matters such as board members, mergers, and policy changes, making it important to investors because it concentrates control and can strongly influence a company’s strategy and the value of its shares.

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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

UMB Financial Corp

(Name of Issuer)

Common Stock

(Title of Class of Securities)

902788108

(CUSIP Number)

03/31/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 902788108

1

Names of Reporting Persons

Vanguard Portfolio Management

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 40,036.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 4,176,256.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

4,176,256.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.48 %

12

Type of Reporting Person (See Instructions)

IA

Comment for Type of Reporting Person: In accordance with SEC Release No. 34-39538 (January 12, 1998), this Schedule 13G reflects the securities beneficially owned, or deemed to be beneficially owned, by Vanguard Portfolio Management LLC and the following affiliates of Vanguard Portfolio Management LLC or business divisions of such affiliates: Vanguard Fiduciary Trust Company and Vanguard Global Advisers, LLC. This Schedule 13G includes securities held by Vanguard funds, or sleeves thereof, over which Vanguard Portfolio Management LLC exercises dispositive power, in addition to securities held by clients over which the affiliates or business divisions of such affiliates indicated above exercise dispositive and/or voting power. This Schedule 13G does not include securities, if any, beneficially owned by other subsidiaries or affiliates of Vanguard Portfolio Management LLC, or business divisions of such subsidiaries whose ownership of securities is disaggregated from that of the reporting business unit in accordance with such release.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: UMB Financial Corp
(b)	Address of issuer's principal executive offices: 1010 Grand Blvd, Kansas City, MO, 64106
Item 2.
(a)	Name of person filing: Vanguard Portfolio Management
(b)	Address or principal business office or, if none, residence: 100 Vanguard Blvd,, Malvern, PA, 19355
(c)	Citizenship: PA
(d)	Title of class of securities: Common Stock
(e)	CUSIP Number(s): 902788108
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 4176256
(b)	Percent of class: 5.48 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 40036
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 4176256
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. Vanguard Portfolio Management, including investment companies registered under the Investment Company Act of 1940 and other managed accounts, have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities reported herein.No one other person's interest in the securities reported herein is more than 5%.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Vanguard Portfolio Management

Signature:	Ashley Grim
Name/Title:	Head of Global Fund Administration
Date:	04/29/2026

FAQ

What stake does Vanguard Portfolio Management report in UMB Financial (UMBF)?

Vanguard Portfolio Management reports beneficial ownership of 4,176,256 shares, equal to 5.48% of UMB Financial's common stock. The filing attributes dispositive power to Vanguard Portfolio Management LLC and related affiliates over these shares.

How many shares does Vanguard have sole voting power over in UMB Financial?

The filing states Vanguard has sole voting power for 40,036 shares. Dispositive power to sell or direct sale of the reported 4,176,256 shares is held by Vanguard Portfolio Management LLC and affiliated business units.

Does the Schedule 13G indicate Vanguard is an active owner or passive investor?

This is a Schedule 13G filing, which indicates passive beneficial ownership under SEC reporting categories. The filing does not assert activist intent; it attributes holdings to pooled investment vehicles and managed accounts.

Who signed the Schedule 13G for Vanguard and when was it signed?

The filing is signed by Ashley Grim, titled Head of Global Fund Administration, with signature date listed as 04/29/2026. The reported issuer CUSIP is 902788108 for UMB Financial Corp common stock.

Are these shares held on behalf of other parties according to the filing?

The filing states the shares are held on behalf of Vanguard-managed funds and other managed accounts; Vanguard Portfolio Management reports dispositive power and notes no single other person holds more than 5% of the class.