STOCK TITAN

UMB Financial (UMBF) president sells 8,246 shares in open-market trades

Filing Impact
(Very High)
Filing Sentiment
(Negative)
Form Type
4

Rhea-AI Filing Summary

UMB Financial Corp President James D. Rine reported open-market sales of company common stock. He sold 7,172 shares at a weighted average price of $132.49 and 1,074 shares at a weighted average price of $133.22, totaling 8,246 shares.

After these transactions, he holds 61,446.1751 shares directly and 1,487.7540 shares indirectly through an ESOP. Footnotes note that the reported prices are weighted averages for multiple trades in ranges from $132.00 to $132.99 and from $133.00 to $133.22.

Positive

  • None.

Negative

  • None.
Insider Rine James D
Role President
Sold 8,246 shs ($1.09M)
Type Security Shares Price Value
Sale Common Stock 7,172 $132.49 $950K
Sale Common Stock 1,074 $133.22 $143K
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 62,520.175 shares (Direct, null); Common Stock — 1,487.754 shares (Indirect, By ESOP)
Footnotes (1)
  1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $132.00 to $132.99, inclusive. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $133.00 to $133.22, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the ranges set forth in footnotes (1) and (2) to this Form 4.
Total shares sold 8,246 shares Common stock sold in open-market transactions
First sale block 7,172 shares at $132.49 Weighted average sale price for larger block
Second sale block 1,074 shares at $133.22 Weighted average sale price for smaller block
Direct holdings after sales 61,446.1751 shares Direct UMB Financial common stock owned post-transaction
Indirect ESOP holdings 1,487.7540 shares Common stock held indirectly through ESOP
Price range first block $132.00–$132.99 Footnote price range for weighted average of first sale
Price range second block $133.00–$133.22 Footnote price range for weighted average of second sale
open-market sale financial
"transaction_action is described as an open-market sale of common stock"
An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.
weighted average price financial
"The price reported in Column 4 is a weighted average price."
Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.
ESOP financial
"Indirect ownership of common stock is reported as By ESOP."
An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.
Form 4 regulatory
"footnotes refer to information set forth in footnotes (1) and (2) to this Form 4."
Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.
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SEC Form 4
FORM 4UNITED 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 MISSOURI 64106

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
UMB FINANCIAL CORP [ UMBF ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
President
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
06/09/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock06/09/2026S7,172D$132.49(1)62,520.1751D
Common Stock06/09/2026S1,074D$133.22(2)61,446.1751D
Common Stock1,487.754IBy 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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $132.00 to $132.99, inclusive.
2. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $133.00 to $133.22, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the ranges set forth in footnotes (1) and (2) to this Form 4.
/s/ Jason Bartel, attorney-in-fact for Mr. Rine06/10/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did UMBF President James D. Rine report?

James D. Rine reported selling UMB Financial common stock in open-market transactions. He sold a total of 8,246 shares on the same day, split between two trades, with prices reported as weighted averages across multiple executions within narrow price ranges.

How many UMBF shares did James D. Rine sell and at what prices?

He sold 7,172 UMBF shares at a weighted average price of $132.49 and 1,074 shares at a weighted average price of $133.22. Footnotes explain these were multiple trades within ranges of $132.00–$132.99 and $133.00–$133.22, respectively.

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

After the reported sales, James D. Rine directly holds 61,446.1751 UMBF common shares. He also indirectly holds 1,487.7540 shares through an Employee Stock Ownership Plan (ESOP), according to the ownership details disclosed in the Form 4 filing.

Were the UMBF insider sales by James D. Rine open-market transactions?

Yes, the Form 4 classifies both insider sales by James D. Rine as open-market or private transaction sales. The filing uses transaction code “S,” which denotes sales executed in the open market or similar private transactions under SEC reporting rules.

What does the weighted average price mean in the UMBF Form 4 filing?

Weighted average price means the reported price combines multiple trade executions into a single average. For UMBF, shares were sold in several trades within specific ranges, and the average of those trades is shown instead of listing each individual execution price.

Does the UMBF Form 4 show any derivative exercises or options for James D. Rine?

No, the Form 4 data provided shows only non-derivative common stock transactions and one holding entry. The derivative summary section is empty, indicating no option or other derivative exercises were reported in this particular filing for James D. Rine.