[144] UMB Financial Corporation SEC Filing

Rhea-AI Filing Summary

UMB Financial Corporation (UMBFP) Form 144 reports a proposed sale of 1,875 shares of common stock through Capital Institutional Services (Dallas) with an approximate sale date of 09/02/2025 and an aggregate market value of $229,218.75. The filing shows 75,928,255 shares outstanding for the class.

The securities to be sold were acquired as a gift on 12/31/1971 from R.C. Kemper, Sr.; the donor acquired the shares on 12/31/1965 and the original amount acquired was 291,643 shares. The filing also lists multiple related-party sales during the prior three months by Kemper-related trusts and entities, including a 15,523-share sale by R C Kemper Marital Trust on 08/13/2025 for $1,805,742.47 and several other sales in June–August 2025. The document lacks explicit filer identity details such as a named filer or CIK in the provided text.

Positive

• Transparent disclosure of the proposed sale, acquisition history (gift date and donor), and multiple related-party sales in the prior three months
• Detailed transaction history includes exact share counts and gross proceeds for prior dispositions, enabling verification of recent liquidity events

Negative

• Missing explicit filer identification in the provided text (no named filer or CIK visible), reducing clarity about who is selling
• Concentrated related-party selling activity by Kemper trusts and affiliated entities in June–August 2025, including a 15,523-share sale for $1,805,742.47, which may be viewed negatively by some investors

Insights

Securities/Fiduciary Financial Analyst

TL;DR: Multiple recent insider-related sales disclosed; proposed sale is modest relative to recent trust dispositions.

The filing documents a proposed sale of 1,875 shares valued at $229k and detailed multiple related-party dispositions totaling tens of thousands of shares and several hundred thousand to >$1.8M in gross proceeds across June–August 2025. From an investor-analytic perspective, the single proposed sale is small compared with the largest recent sale (15,523 shares, $1.8M), suggesting this notice represents continuing monetization by related trusts rather than a single large divestiture. The record that the shares were received as a gift decades ago is relevant to vesting/holding period and Rule 144 availability. The absence of an identified filer name or CIK in the provided excerpt limits assessment of beneficial ownership percentages and aggregation rules.

Corporate Governance / Insider Transactions Specialist

TL;DR: Disclosure shows routine trust-originated sales; missing filer metadata reduces transparency.

The schedule of past three-month sales by multiple Kemper-related trusts and entities demonstrates active disposition activity by related parties. That pattern can be governance-relevant as it indicates ongoing transfers out of family/trust holdings. However, the proposed 1,875-share sale itself is immaterial by size versus recent transactions. Critically, the provided filing excerpt does not include a named filer or CIK, which is a transparency gap for stakeholders seeking to map beneficial ownership and aggregation for Rule 144 compliance.

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	1875	229218.75	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	12/31/1971	Gift	R.C. Kemper, Sr.		12/31/1965	291643		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 is being proposed for sale in the UMBFP Form 144?

The notice proposes sale of 1,875 shares of UMB Financial common stock with an approximate sale date of 09/02/2025 and aggregate market value of $229,218.75.

Who originally acquired the shares being sold and how were they acquired?

The shares were acquired as a gift on 12/31/1971 from R.C. Kemper, Sr.; the donor originally acquired the shares on 12/31/1965.

What recent related-party sales are disclosed in the filing?

The filing lists multiple sales in June–August 2025 by Kemper-related trusts and entities, including a 15,523-share sale on 08/13/2025 for $1,805,742.47, and several other sales ranging from hundreds to thousands of shares with proceeds detailed.

How many shares outstanding does the filing report for the class?

The filing indicates 75,928,255 shares outstanding for the common stock class referenced.

Does the provided filing excerpt identify the filer or CIK?

No. The provided content does not show a named filer or a CIK in the excerpt, so filer identity is not available in the supplied text.