[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Kemper J. Mariner, identified as Chairman and CEO and a director of UMB Financial Corp, reported transactions on a Form 4 dated 11/01/2018. The filing shows a disposition of 9,000 shares (transaction code G) at $0 and an entry showing 9,000 shares acquired at $0, with 181,189.1804 shares shown as directly beneficially owned after the reported transactions. The filing lists multiple indirect holdings across trusts, family custodial accounts, an ESOP, and affiliated entities totaling substantial additional shares (for example: 1,536,781 shares held by Pioneer Service Corporation and 392,029 held by Kemper Realty). The Form is signed by an attorney-in-fact, Jason Bartel, dated 09/11/2025.

Positive

• Timely disclosure of insider transactions by the company's Chairman and CEO
• Substantial indirect holdings remain in trusts and affiliated entities, indicating continued insider alignment

Negative

• Recorded disposal of 9,000 shares on 11/01/2018 (transaction code G)
• Filing signed by attorney-in-fact on 09/11/2025, which may indicate a delayed signature date relative to the transaction date

Insights

Corporate Governance Expert

TL;DR: Routine insider reallocation recorded; significant indirect ownership remains concentrated in trusts and related entities.

The Form 4 documents a transaction dated 11/01/2018 reported by Kemper J. Mariner, who serves as Chairman and CEO and as a director. The entry shows both a disposal and an acquisition of 9,000 common shares at $0, which typically reflects internal transfers or non-cash transfers rather than open-market trades. The filing enumerates extensive indirect holdings through multiple trusts, family accounts, an ESOP, and related corporations, indicating continued concentrated ownership aligned with long-term control. The attorney-in-fact signature dated 09/11/2025 confirms the filing execution.

Securities Analyst

TL;DR: Disclosure is timely and factual; reported movements are small relative to aggregated beneficial positions listed.

The reported 9,000-share disposal and the corresponding 9,000-share acquisition (both coded G and recorded at $0) appear in Table I and leave the reporting person with 181,189.1804 shares directly owned plus numerous material indirect holdings (including over 1.5 million shares via Pioneer Service Corporation). There is no price reported for open-market sale or purchase activity, and no derivative transactions are listed. From a market-impact standpoint, the form documents internal reallocations or other non-cash transfers rather than sale proceeds or new purchases affecting public float.

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)
11/01/2018

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	11/01/2018		G		9,000	D	$0	181,189.1804	D
Common Stock	11/01/2018		G		9,000	A	$0	9,000	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:

	/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 Kemper J. Mariner report on the Form 4 for UMBFP?

The Form 4 reports a disposition of 9,000 shares and a corresponding acquisition of 9,000 shares on 11/01/2018, both recorded at $0.

How many shares did Kemper J. Mariner beneficially own after the reported transaction?

The filing shows 181,189.1804 shares as directly beneficially owned following the reported transactions, plus numerous indirect holdings listed separately.

What indirect holdings are disclosed by the reporting person?

Indirect holdings include shares held by trusts, family custodial accounts, an ESOP, Kemper Realty, Pioneer Service Corporation (notably 1,536,781 shares), and other named trusts and entities.

Are there any derivative securities reported on this Form 4?

No derivative securities are listed in Table II of the provided Form 4 content.

Who signed the Form 4 and when?

The Form 4 is signed by /s/ Jason Bartel, attorney-in-fact for Mr. Kemper with a signature date of 09/11/2025.