[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Tamara Peterman, a director of UMB Financial Corporation (ticker UMBFP), reported a purchase of company common stock on 09/02/2025. The Form 4 shows an acquisition of 163.4631 shares at a transaction price of $120.44 per share, bringing her direct beneficial ownership to 8,912.1149 shares. No derivative securities are reported. The filing was submitted via an attorney-in-fact.

Positive

• Director purchased shares, increasing direct ownership to 8,912.1149 shares
• Transaction disclosed on Form 4, maintaining regulatory transparency

Negative

• None.

Insights

Securities Analyst

TL;DR: A director made a small, direct stock purchase increasing her stake modestly.

The reported purchase of 163.4631 shares at $120.44 raises Tamara Peterman's direct holdings to 8,912.1149 shares. This is a straightforward insider acquisition disclosed on Form 4 and does not involve derivative instruments. For investors, the trade signals insider buying but the size is modest relative to institutional holdings and provides limited new information about company fundamentals.

Corporate Governance Expert

TL;DR: Routine director purchase; reinforces alignment but is not materially transformative.

As a director, Peterman's additional purchase increases her direct economic exposure to the company, aligning her interests with shareholders. The transaction code is listed as "P" and no indirect ownership or derivative positions were reported. This is a routine disclosure consistent with Section 16 reporting obligations and does not indicate governance changes or control shifts.

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^*

Peterman Tamara

(Last) (First) (Middle)

3901 RAINBOW BOULEVARD

(Street)

KANSAS CITY KS 66160

(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
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
09/02/2025

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	09/02/2025		P		163.4631	A	$120.44	8,912.1149	D

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 Ms. Peterman	09/04/2025
	** 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 Tamara Peterman disclose on her UMBFP Form 4?

She disclosed an acquisition of 163.4631 shares at a price of $120.44, increasing her direct holdings to 8,912.1149 shares.

Does the Form 4 for UMBFP show any derivative transactions?

No. Table II (derivative securities) contains no reported transactions or holdings.

What is the transaction date reported on the Form 4 for UMBFP?

The Form 4 lists the transaction date as 09/02/2025.

What is the reporting person's relationship to UMB Financial (UMBFP)?

The reporting person, Tamara Peterman, is designated as a Director.

Was the Form 4 filed by more than one reporting person?

No. The form indicates it was filed by one reporting person.