UMB Financial (UMBFP) Form 144 Discloses Trust Sales and 1,000-Share Sale

Rhea-AI Filing Summary

UMB Financial Corporation (UMBFP) Form 144 notifies the market of a proposed sale of 1,000 shares of common stock, with an aggregate market value of $125,590, to be executed approximately on 09/09/2025 on NASDAQ. The filer reports the shares were acquired as a gift on 11/01/2018 from J. Mariner Kemper; the donor acquired the shares on 10/19/2016. The filing lists outstanding shares of 75,928,255. The notice also discloses multiple related trust sales in the past three months, including a 15,523-share sale by R C Kemper Marital Trust. The form includes the standard insider certification that no undisclosed material adverse information is known.

Positive

• Regulatory compliance: The filer submitted a Form 144 providing transparent disclosure of the proposed sale and recent affiliated trust disposals.

Negative

• None.

Insights

Securities Analyst

TL;DR: Routine Rule 144 disclosure of proposed insider sale; recent trust sales provide added liquidity detail but appear immaterial to market cap.

The filing is a standard Rule 144 notice describing a modest proposed sale of 1,000 shares valued at $125,590 against 75.9 million shares outstanding. The document also catalogs several trust sales over recent months, the largest being 15,523 shares. From a market-impact perspective, these transactions represent a small fraction of outstanding stock and are unlikely to move the share price by themselves. The filing improves transparency about insider and affiliated trust dispositions but contains no operational or financial performance data.

Corporate Governance Expert

TL;DR: Disclosure aligns with compliance expectations; multiple affiliated trust sales warrant monitoring but do not indicate governance failure.

The Form 144 fulfills statutory disclosure requirements and documents the provenance of the shares (a 2018 gift from J. Mariner Kemper). The presence of several sales by related trusts in the prior three months suggests purposeful liquidity management by insiders or estate vehicles. There is no indication in the form of undisclosed material information or of breaches of trading policy. This is a governance transparency event rather than a signal of corporate distress.

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	UMB Financial Services, Inc. 928 Grand Boulevard Fourth Floor Kansas City MO 64106	1000	125590.00	75928255	09/09/2025	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	11/01/2018	Gift	J. Mariner Kemper		10/19/2016	9000		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	09/02/2025	864	104154.40
R C Kemper Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	09/02/2025	1875	226029.51
R C Kemper Jr Charitable Trust and Foundation 1010 Grand Boulevard Kansas City MO 64106	Common Stock	09/02/2025	3825	461100.16
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

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 UMBFP Form 144 announce?

The form notifies a proposed sale of 1,000 shares of UMB common stock valued at $125,590, with an approximate sale date of 09/09/2025 on NASDAQ.

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

The shares were acquired as a gift on 11/01/2018 from J. Mariner Kemper; the donor acquired the shares on 10/19/2016.

How many UMB shares are outstanding according to the filing?

The filing reports 75,928,255 shares outstanding.

Were there other recent insider or related-party sales disclosed?

Yes. The filing lists multiple related trust sales in the past three months, including a 15,523-share sale by R C Kemper Marital Trust and several other trust transactions.

Does the filing state any undisclosed material information about UMBFP?

By signing, the person represents they do not know any material adverse information about the issuer that has not been publicly disclosed.