[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Kemper J. Mariner, Chairman and CEO of UMB Financial Corporation (symbol: UMBFP), reported multiple open-market sales of Common Stock on September 9-10, 2025. The Form 4 lists sales of shares executed at prices ranging approximately from $122.51 to $125.95 (weighted-average noted for one block). Reported individual sale entries include 100 shares, 3,400 shares, 800 shares and several 100-share lots on the two dates. The filing shows changes in beneficial ownership balances on several lines and identifies direct and indirect holdings via trusts, custodial accounts, an ESOP, and related entities. The form was signed by an attorney-in-fact on behalf of Mr. Mariner.

Positive

• None.

Negative

• Reported insider open-market sales occurred on 09/09/2025 and 09/10/2025, aggregating at least 4,500 shares in the explicitly listed transactions.
• Sale prices reported range approximately from $122.51 to $125.95, with one block noted as a weighted-average price covering multiple trade prices.

Insights

Securities Analyst

TL;DR: Multiple open-market sales by the CEO totaling several thousand shares at ~$122.50–$125.95 over two days.

This Form 4 documents routine open-market dispositions rather than derivative exercises or grants. The sales occurred across two consecutive dates and at slightly varying prices; one reported price is a weighted average. The filing also details a complex mix of direct and indirect holdings through trusts and affiliated entities, which affects the interpretation of net ownership. For investors, the key data are sale dates, quantities, and price range supplied directly in the form.

Corporate Governance Expert

TL;DR: Insider sales by the Chairman/CEO are disclosed; ownership structure remains multifaceted with trusts and custodial accounts.

The disclosure is properly executed under Section 16 and signed by an attorney-in-fact. It identifies the reporting person as both a director and officer, and lists multiple indirect holdings via named trusts and entities. The presence of sales across multiple tranches is consistent with either personal liquidity events or planned dispositions; the filing does not state reliance on any written Rule 10b5-1 plan. The form supplies necessary legal transparency without additional context.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

KEMPER J MARINER

(Last) (First) (Middle)

1010 GRAND BLVD.

(Street)

KANSAS CITY MO 64106

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UMB FINANCIAL CORP [ UMBF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman and CEO

3. Date of Earliest Transaction (Month/Day/Year)
09/09/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/09/2025		S		100	D	$124.92	327,266.2177	D
Common Stock	09/09/2025		S		3,400	D	$125.37(1)	323,866.2177	D
Common Stock	09/10/2025		S		800	D	$122.655	8,200	I	By Trust: Megan Kemper Trust
Common Stock	09/10/2025		S		100	D	$122.55	8,100	I	By Trust: Megan Kemper Trust
Common Stock	09/10/2025		S		100	D	$122.51	8,000	I	By Trust: Megan Kemper Trust
Common Stock								1,000	I	By Daughter - Custodial Brokerage Account
Common Stock								2,309.08	I	By Esop
Common Stock								1,000	I	By Son - Custodial Brokerage Account
Common Stock								21,460	I	By Trust - TUW RC Kemper For John Mariner
Common Stock								12,558	I	By Trust: Mary S Hunt Trust
Common Stock								288,945	I	Held by Kemper Realty
Common Stock								392,029	I	Held by Pioneer Service Corporation
Common Stock								1,536,781	I	By Trust - RC Kemper Irrevocable Trust

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $124.96 to $125.95, inclusive.

	/s/ Jason Bartel, attorney-in-fact for Mr. Kemper	09/11/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transactions did UMBFP insider Kemper J. Mariner report on the Form 4?

The Form 4 reports multiple sales of Common Stock on September 9 and 10, 2025, including explicit entries of 100, 3,400, 800 and additional 100-share lots.

At what prices were the UMBFP insider shares sold?

Reported sale prices range roughly from $122.51 to $125.95, with one entry disclosed as a weighted-average price for multiple transactions.

Does the Form 4 indicate indirect holdings for Mr. Mariner?

Yes. The filing lists numerous indirect beneficial holdings held by trusts, custodial brokerage accounts, an ESOP, and related entities.

Was the Form 4 signed by the reporting person?

The form was signed by Jason Bartel, attorney-in-fact for Mr. Mariner on 09/11/2025 as indicated on the filing.

Does the filing state that the sales were made under a 10b5-1 trading plan?

The Form 4 does not indicate that these transactions were made pursuant to a Rule 10b5-1 plan; no checkbox or statement to that effect appears in the provided content.