[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

UMB Financial Corp insider transaction by Executive Vice President Uma Wilson: The filing shows a sale of 282 shares of UMB Financial Corp common stock on 09/09/2025 at a price of $123.11 per share. After the sale, Ms. Wilson is reported to beneficially own 23,782.9167 shares directly and 281.993 shares indirectly through an ESOP. The form was signed by an attorney-in-fact on 09/11/2025.

Positive

• Timely disclosure of the insider sale with a signed Form 4
• Substantial remaining direct ownership of 23,782.9167 shares after the sale

Negative

• Reduction in direct holdings due to the sale of 282 shares

Insights

Securities Analyst

TL;DR: Routine insider sale of a small number of shares; holdings remain sizable.

The Form 4 documents a single open-market disposition of 282 shares at $123.11 on 09/09/2025 by Executive Vice President Uma Wilson. The transaction reduced direct holdings to 23,782.9167 shares while leaving 281.993 shares indirectly held via an ESOP. This appears to be an administrative insider sale rather than a material corporate event. No derivative transactions or other changes were reported.

Compliance & Governance Analyst

TL;DR: Filing is properly executed and signed by attorney-in-fact; disclosure is straightforward and complete.

The Form 4 indicates timely reporting with a clear signature block by Jason Bartel as attorney-in-fact dated 09/11/2025. The relationship to the issuer is disclosed (Executive Vice President). The report identifies the ESOP as the source of indirect ownership. There are no flags in the filing such as undisclosed derivative activity or amendments.

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^*

Wilson Uma

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Vice President

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		282	D	$123.11	23,782.9167	D
Common Stock								281.993	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/ Jason Bartel, attorney-in-fact for Ms. Wilson	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 transaction did Uma Wilson report for UMBFP?

The Form 4 reports a sale of 282 shares of UMB Financial Corp common stock on 09/09/2025 at $123.11 per share.

How many UMBFP shares does Uma Wilson beneficially own after the sale?

Following the reported transaction, Ms. Wilson beneficially owns 23,782.9167 shares directly and 281.993 shares indirectly via an ESOP.

What is the reporting relationship of the reporting person to UMBFP?

The filing identifies the reporting person as an Executive Vice President of UMB Financial Corp.

When was the Form 4 signed and by whom?

The form is signed by Jason Bartel, attorney-in-fact for Ms. Wilson, dated 09/11/2025.

Were any derivative securities reported in this Form 4 for UMBFP?

No derivative securities or option transactions are reported in Table II of the filing.