[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Amy Harris, EVP and Chief Legal Officer and a director of UMB Financial Corp, reported a sale of company stock. On 08/27/2025 she disposed of 500 shares of common stock at a price of $122.02 per share. After the reported sale she beneficially owned 7,285 shares directly and 92.223 shares indirectly through an ESOP, as stated on the form. The Form 4 was signed by Megan L. Mercer as attorney-in-fact for Ms. Harris.

Insights

Corporate Governance Expert

TL;DR: Insider sale by a senior executive is routine disclosure; size appears modest relative to disclosed holdings.

The reporting officer is both an executive and a director, which makes timely disclosure important for governance transparency. The Form 4 shows a single open-market sale of 500 shares at $122.02 and continuing direct and indirect ownership positions. There is no indication in the filing of accelerated sales, hedging, or a Rule 10b5-1 plan. Given the limited scale of the transaction relative to total ownership disclosed on the form, this filing is a routine insider disclosure rather than a material governance event.

Securities Analyst

TL;DR: Transaction is a small-sized insider disposition; no earnings or debt implications in the filing.

This Form 4 documents a sale only and provides exact transaction details: 500 shares sold at $122.02 on 08/27/2025, leaving 7,285 shares direct and 92.223 shares indirect via an ESOP. The filing contains no information about company performance, compensation changes, or derivative transactions. As such, the market impact of this single disclosure is likely minimal absent other material information.

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^*

Harris Amy

(Last) (First) (Middle)

1010 GRAND BOULEVARD

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP and Chief Legal Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/27/2025

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	08/27/2025		S		500	D	$122.02	7,285	D
Common Stock								92.223	I	By ESOP

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:

	/s/ Megan L. Mercer, attorney-in-fact for Ms. Harris	08/27/2025
	** 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 did Amy Harris report on the Form 4 for UMBFP?

Amy Harris reported a sale of 500 shares of UMB Financial common stock on 08/27/2025 at $122.02 per share.

How many shares does Amy Harris own after the reported transaction?

She beneficially owns 7,285 shares directly and 92.223 shares indirectly through an ESOP following the sale.

What is Amy Harris's role at UMB Financial as stated on the filing?

She is listed as EVP and Chief Legal Officer and a director of UMB Financial Corp on the Form 4.

When was the transaction reported on the Form 4 executed?

The transaction date is 08/27/2025, and the Form 4 was signed by Megan L. Mercer as attorney-in-fact.

Was a derivative or option transaction reported in this Form 4?

No derivative or option transactions are reported in the filing; only a non-derivative sale of common stock is shown.