UMB Financial (UMBFP) Form 144 Discloses Insider and Trust Sales in Summer 2025

Rhea-AI Filing Summary

UMB Financial Corporation (UMBFP) Form 144 notice reports a proposed sale of 864 shares of common stock through Capital Institutional Services on 09/02/2025 on NASDAQ, with an aggregate market value of $105,624.00 based on the filing. The shares offered were originally acquired as a gift on 04/18/2008 from R.C. Kemper, Jr.; the donor acquired those shares on 01/05/1970. The filing also lists multiple recent sales by related entities and trusts totaling several transactions during June–August 2025, including a larger sale of 15,523 shares on 08/13/2025 that generated $1,805,742.47. The filer affirms no undisclosed material nonpublic information and provides broker details for the proposed sale.

Positive

• Proposed sale fully disclosed: Broker, date, share count (864) and aggregate value ($105,624.00) are provided
• Acquisition provenance documented: Shares were acquired as a gift on 04/18/2008 from R.C. Kemper, Jr.
• Prior sales listed: Multiple related-party transactions in June–August 2025 are itemized, increasing transparency

Negative

• Significant prior sale noted: A related-party sale of 15,523 shares on 08/13/2025 generated $1,805,742.47, indicating notable recent insider-related liquidity

Insights

Securities Analyst

TL;DR: Routine insider sale notice; small proposed sale but several recent related-party transactions noted.

The Form 144 discloses a proposed sale of 864 UMBFP common shares via Capital Institutional Services on 09/02/2025 for $105,624.00 and documents the acquisition as a 2008 gift from R.C. Kemper, Jr. The schedule of prior sales shows multiple dispositions by affiliated trusts and entities during June–August 2025, including a notably larger 15,523-share sale on 08/13/2025. From an investor-impact perspective, this filing is procedural disclosure of insider-related sales rather than an operational update; it signals share supply from legacy holders but does not by itself provide information on company performance.

Corporate Governance Expert

TL;DR: Governance disclosure appears complete; multiple trust sales indicate active liquidity events among legacy holders.

The filer properly identifies the broker, sale date, share class, and acquisition provenance (gift dated 04/18/2008). The representations about absence of material nonpublic information and the inclusion of prior three-month sales align with Rule 144 disclosure practices. The presence of several trust/entity sales in the filing should be noted by stakeholders monitoring insider-related stock flows, but the document contains no governance actions, executive changes, or new incentives.

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	864	105624.00	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	173627		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 UMBFP's Form 144 report?

The filing reports a proposed sale of 864 shares of UMBFP common stock through Capital Institutional Services on 09/02/2025, with aggregate market value $105,624.00.

Who originally acquired the shares being sold on Form 144?

The shares were acquired as a gift on 04/18/2008 from R.C. Kemper, Jr., whose original acquisition date listed is 01/05/1970.

Are there recent related-party sales disclosed in the filing?

Yes; the filing lists multiple sales by affiliated trusts and entities during June–August 2025, including a 15,523-share sale on 08/13/2025 for $1,805,742.47.

Which broker is handling the proposed sale?

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

On which exchange is the sale expected to occur?

The proposed sale is listed for NASDAQ on 09/02/2025.