[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

8x8, Inc. (EGHT) – Form 4 filing: Director Todd R. Ford received 66,502 restricted stock units (RSUs) on 07/25/2025. The award has a $0 purchase price and will vest and settle in common shares on the earlier of 25 Jul 2026 or the next annual shareholder meeting, provided Ford remains in service. After this grant, Ford’s direct beneficial ownership increases to 250,609 shares.

No shares were sold, and no derivative securities were exercised or disposed of. Because the grant is part of routine board compensation, the cash impact to Ford and the company is minimal, but the filing does marginally increase insider equity alignment. The document contains no operational, earnings or guidance information.

Positive

• Increased insider alignment: Director’s holdings rise to 250,609 shares, modestly linking board incentives to shareholder value.

Negative

• None.

Insights

Financial Analyst

TL;DR: Routine RSU grant; neutral cash impact, slightly higher insider ownership.

The 66.5k-share RSU grant is standard board compensation and involves no market purchase. It raises Ford’s stake to roughly 0.2% of outstanding shares (estimate based on ~125 M shares), a marginal but positive alignment signal. From a valuation or liquidity standpoint, the event is immaterial; dilution is de minimis and already factored into the equity compensation pool. Overall, the filing does not alter the investment thesis or near-term financial outlook.

Corporate Governance Expert

TL;DR: Governance-consistent RSU award; no red flags.

The single-year vesting tied to continuous service is typical for non-employee directors and aligns with prevailing governance practices. No 10b5-1 plan was invoked, implying the grant occurred under the board’s regular compensation calendar. The transparent disclosure and absence of accelerated vesting clauses suggest sound governance. Investor impact is neutral; no signaling of strategic shifts or insider sentiment beyond routine alignment.

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)
08/01/2025

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	08/01/2025		P		183.0033	A	$107.58	8,748.6518(1)	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:

1. Includes shares acquired through participation in the UMB Financial Corporation dividend reinvestment plan.

	/s/ Jason Bartel, attorney-in-fact for Ms. Peterman	08/05/2025
	** 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

How many shares did Director Todd R. Ford receive according to the EGHT Form 4?

66,502 RSUs were awarded on 07/25/2025.

When will the 8x8 RSUs granted to Todd R. Ford vest?

They vest on the earlier of July 25, 2026 or the next annual shareholder meeting, subject to continued service.

Did the Form 4 report any stock sales by the director?

No. The filing lists no dispositions or sales of common shares.

What is Todd R. Ford’s total beneficial ownership after the RSU grant?

Following the grant, he directly owns 250,609 EGHT shares.

Is there a purchase price associated with the RSU grant?

No. The RSUs were granted at $0 cost to the director.