UMB Financial (UMBFP) Rule 144 Notice Shows Related-Party Sales

Rhea-AI Filing Summary

UMB Financial Corporation (UMBFP) Form 144 notifies a proposed sale of 3,825 shares of common stock by a broker (Capital Institutional Services) with an aggregate market value of $467,606.25, and lists the company's outstanding shares as 75,928,255. The filing shows that the 3,825 shares were acquired as a gift on 04/18/2008 from R.C. Kemper, Jr., originally acquired by the donor on 01/05/1970. The notice also discloses multiple related-party sales during the past three months, including a larger sale of 15,523 shares on 08/13/2025 with gross proceeds of $1,805,742.47. The filer certifies no undisclosed material adverse information.

Positive

• None.

Negative

• Multiple large related-party sales in the past three months, including a 15,523-share sale for $1,805,742.47, which could signal concentrated insider liquidity
• Proposed sale under Rule 144 indicating shares are being disposed of by affiliates or beneficiaries rather than market-wide transactions

Insights

Securities Analyst

TL;DR: Multiple affiliated sales disclosed; proposed sale of 3,825 shares (~$468k) appears to be part of routine disposition by related trusts.

The filing documents a proposed sale under Rule 144 for 3,825 shares valued at $467,606.25 and details numerous related-party dispositions over the prior three months, including one sizable sale of 15,523 shares for $1,805,742.47. From a securities perspective, these are disclosures of intended and completed transfers by entities associated with controlling individuals or family trusts rather than operating results. The pattern suggests systematic liquidity events by related parties rather than corporate developments. Materiality depends on the issuer's market capitalization, but the filing itself is a standard compliance disclosure, not an operating metric.

Corporate Governance Expert

TL;DR: Disclosure aligns with Rule 144 requirements; multiple trustee and foundation sales indicate estate or trust management activity.

The information shows securities were acquired by gift and sold by charitable trusts, foundations, and related entities at multiple dates across June–August 2025. Such transfers commonly reflect estate planning, trust distributions, or portfolio rebalancing by insiders and related entities. The signature declaration affirms there is no undisclosed material adverse information. For governance review, these filings warrant routine monitoring for timing and concentration of insider-related sales but do not by themselves indicate governance violations.

Form 144 Filer Information	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
FORM 144

144: Filer Information

Filer CIK
Filer CCC
Is this a LIVE or TEST Filing?	LIVE TEST
Submission Contact Information
Name
Phone
E-Mail Address

144: Issuer Information

Name of Issuer

SEC File Number

Address of Issuer

Phone

Name of Person for Whose Account the Securities are To Be Sold

See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.

Relationship to Issuer

144: Securities Information

Title of the Class of Securities To Be Sold	Name and Address of the Broker	Number of Shares or Other Units To Be Sold	Aggregate Market Value	Number of Shares or Other Units Outstanding	Approximate Date of Sale	Name the Securities Exchange
Common Stock	Capital Institutional Services 1700 Pacific Ave. Suite 1000 Dallas TX 75201	3825	467606.25	75928255	09/02/2025	NASDAQ

Furnish the following information with respect to the acquisition of the securities to be sold and with respect to the payment of all or any part of the purchase price or other consideration therefor:

144: Securities To Be Sold

Title of the Class	Date you Acquired	Nature of Acquisition Transaction	Name of Person from Whom Acquired	Is this a Gift?	Date Donor Acquired	Amount of Securities Acquired	Date of Payment	Nature of Payment *
Common Stock	04/18/2008	Gift	R.C. Kemper, Jr.		01/05/1970	708554		NA

* If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.

Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.

144: Securities Sold During The Past 3 Months

Name and Address of Seller	Title of Securities Sold	Date of Sale	Amount of Securities Sold	Gross Proceeds
R C Kemper Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	08/01/2025	1250	133486.50
R C Kemper Jr Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	08/01/2025	2550	272312.46
Bebe & Crosby Kemper Foundation for the Arts 1010 Grand Boulevard Kansas City MO 64106	Common Stock	08/01/2025	576	61510.58
R C Kemper Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	07/01/2025	1250	131784.38
R C Kemper Jr Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	07/01/2025	2550	268840.12
Bebe & Crosby Kemper Foundation for the Arts 1010 Grand Boulevard Kansas City MO 64106	Common Stock	07/01/2025	576	60726.24
Bebe & Crosby Kemper Foundation for the Arts 1010 Grand Boulevard Kansas City MO 64106	Common Stock	06/02/2025	576	58588.36
R C Kemper Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	06/02/2025	1250	127144.88
R C Kemper Jr Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	06/02/2025	2550	259375.55
Pioneer Service Corp 1010 Grand Boulevard Kansas City MO 64106	Common Stock	06/02/2025	3960	403135.52
Kemper Realty Co 1010 Grand Boulevard Kansas City MO 64106	Common Stock	06/02/2025	1452	147862.68
R C Kemper Marital Trust 1010 Grand Boulevard Kansas City MO 64106	Common Stock	08/13/2025	15523	1805742.47
Bebe & Crosby Kemper Foundation for the Arts 1010 Grand Boulevard Kansas City MO 64106	Common Stock	08/27/2025	288	35446.12
R C Kemper Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	08/27/2025	625	76923.00
R C Kemper Jr Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	08/27/2025	1275	156922.92

144: Remarks and Signature

Remarks

Date of Notice

Date of Plan Adoption or Giving of Instruction, If Relying on Rule 10b5-1

ATTENTION:

The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed. If such person has adopted a written trading plan or given trading instructions to satisfy Rule 10b5-1 under the Exchange Act, by signing the form and indicating the date that the plan was adopted or the instruction given, that person makes such representation as of the plan adoption or instruction date.

Signature

ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)

FAQ

What does the Form 144 for UMBFP disclose?

The filing proposes the sale of 3,825 shares valued at $467,606.25, shows outstanding shares of 75,928,255, and lists multiple related-party sales in the prior three months.

Who acquired the shares being sold in the proposed UMBFP transaction?

The shares were reported as acquired by gift on 04/18/2008 from R.C. Kemper, Jr., with the donor's acquisition date listed as 01/05/1970.

Which broker is handling the proposed sale of UMBFP shares?

The broker named is Capital Institutional Services, 1700 Pacific Ave., Suite 1000, Dallas TX 75201.

Were there recent sales by related parties of UMBFP stock?

Yes. The filing lists multiple sales by charitable trusts, foundations, and related entities between June and August 2025, including a 15,523-share sale on 08/13/2025 for $1,805,742.47.

Does the filer attest to possession of material non-public information?

Yes. The person for whose account the securities are to be sold represents by signing the notice that they do not know any material adverse information about the issuer that has not been publicly disclosed.