UMBFP Insider Sale Notice: 1,205 Vested Shares Scheduled on NASDAQ

Rhea-AI Filing Summary

UMB Financial Corporation (Form 144) shows a proposed sale of 1,205 common shares through Merrill Lynch with an aggregate market value of $139,986.00. The filing lists 48,530,798 shares outstanding and an approximate sale date of 08/13/2025 on NASDAQ. The shares were acquired via restricted stock vesting on 01/29/2024 from UMB Financial and the filing reports no securities sold in the past three months.

The filing omits specific filer identification details in the visible content; it includes the required representation that the person signing does not possess undisclosed material adverse information and notes the sale is subject to Rule 144 conditions. The transaction appears to be a routine disposition of vested restricted shares rather than an extraordinary corporate event.

Positive

• None.

Negative

• Filer identification fields are blank in the provided content, reducing transparency about who is selling the shares.
• Relationship to issuer and signer details are not shown in the visible content, limiting investors' ability to assess insider status or intent.

Insights

Securities Analyst

TL;DR: Insider sale of 1,205 vested shares (~$140k) is routine and small relative to outstanding stock; limited investor impact.

The filing documents a planned sale of 1,205 common shares valued at $139,986 through Merrill Lynch with an approximate sale date of 08/13/2025. The shares were acquired via restricted stock vesting on 01/29/2024. With 48,530,798 shares outstanding, this represents a de minimis percentage of the float, so market impact is likely immaterial. The absence of recent sales in the prior three months reduces evidence of a pattern of large dispositions. However, the filing lacks explicit filer identity fields in the provided content, which limits transparency for investors.

Corporate Governance Expert

TL;DR: The sale stems from standard vesting and the filing's compliance statements are present; disclosure gaps reduce clarity.

The transaction arises from restricted stock vesting, indicating compensation-related liquidity rather than an operational red flag. The form includes the required signer representation about material nonpublic information and notes no sales in the past three months. From a governance perspective, this is routine. That said, key filer identification fields are blank in the visible content, which hampers investor assessment of insider activity and adherence to full disclosure expectations.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 08/13/2025 - 04:08 PM Learn about SEC filing dates

FAQ

What does the UMBFP Form 144 report?

The filing reports a proposed sale of 1,205 common shares valued at $139,986.00 with an approximate sale date of 08/13/2025 on NASDAQ.

How were the shares acquired that are being sold?

The shares were acquired by restricted stock vesting on 01/29/2024, with 1,205 shares listed as the amount acquired and now proposed for sale.

Who is the broker handling the sale?

The filing lists Merrill Lynch, 8890 Lyra Drive, 5th Floor, Columbus OH 43240 as the broker named for the transaction.

Were there any other sales by this person in the past three months?

The filing states "Nothing to Report" for securities sold during the past three months.

Does the filing indicate the seller has undisclosed material information?

The signatory representation in the filing states the person does not know any material adverse information regarding the issuer that has not been publicly disclosed.

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	Merrill Lynch 8890 Lyra Drive, 5th Floor Columbus OH 43240	1205	139986.00	48530798	08/13/2025	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	01/29/2024	Restricted Stock Vesting	UMB Financial			1205	01/29/2024	Shares

* 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

Nothing to Report

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)