[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Mason Phillip James, President of Institutional Banking at UMB Financial Corp (UMBF), reported a sale of 750 shares of UMB Financial common stock on 08/25/2025 at a price of $120.97 per share. After the reported transaction he beneficially owns 8,815.419 shares directly and additionally holds 851.896 shares indirectly through a 401(k) and 228.985 shares indirectly labeled "ESO P." The Form 4 was signed by an attorney-in-fact on behalf of Mr. Mason on 08/25/2025.

Positive

• Form 4 filed with complete transaction details, including sale price and post-transaction holdings
• Reporting of indirect holdings (401(k) and ESO P) provides additional transparency

Negative

• Officer disposed of 750 shares, reducing direct ownership
• Form signed by attorney-in-fact rather than the reporting person (may merit verification of authorization)

Insights

Financial Analyst

TL;DR: Officer sale disclosed—small, routine insider sale with specific post-transaction holdings reported.

The filing documents a single non-derivative sale of 750 common shares at $120.97 on 08/25/2025 by Mason Phillip James, an officer. The report also details remaining direct ownership of 8,815.419 shares and indirect holdings of 851.896 (401(k)) and 228.985 (ESO P). The disclosure meets Section 16 reporting requirements and provides transparent post-sale ownership levels for investor monitoring.

Corporate Governance Expert

TL;DR: Proper Section 16 reporting shown; signature by attorney-in-fact included.

The Form 4 includes required elements: reporting person identity and relationship to issuer, transaction date, transaction code (sale), number of shares sold and sale price, and post-transaction beneficial ownership. Signature by an attorney-in-fact is present and dated. The filing appears procedurally complete for this single transaction.

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^*

Mason Phillip James

(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)
	President, Inst. Banking

3. Date of Earliest Transaction (Month/Day/Year)
08/25/2025

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	08/25/2025		S		750	D	$120.97	8,815.419	D
Common Stock								851.896	I	401(k)
Common Stock								228.985	I	ESO{P

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. Mason	08/25/2025
	** 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

When did Mason Phillip James report the transaction for UMBF?

The sale was reported with a transaction date of 08/25/2025 and the Form 4 bears the signature date 08/25/2025.

How many shares did the reporting person sell and at what price?

He sold 750 shares of common stock at a price of $120.97 per share.

What are Mr. James's beneficial holdings in UMBF after the transaction?

Following the sale he beneficially owns 8,815.419 shares directly and additionally 851.896 shares indirectly (401(k)) and 228.985 indirectly (ESO P).

What is the reporting person's role at the issuer?

The reporting person is listed as an Officer with the title President, Institutional Banking and is also a Director.

Who signed the Form 4?

The Form 4 was signed by Jason Bartel, attorney-in-fact on behalf of Mr. Mason on 08/25/2025.