[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

UMB Financial Corp. (UMBF) – Form 4 filing dated 07/31/2025. Chief Credit Officer Thomas S. Terry reported an F-code transaction on 07/29/2025, indicating the disposition of shares to cover tax withholding on equity compensation.

• Shares disposed: 716 common shares at $109.20, value ≈ $78 k.
• Post-transaction holdings: 36,022.3105 shares held directly; 5,004.343 shares held indirectly via ESOP.

The sale equals roughly 2 % of his direct stake and does not materially change insider ownership. No derivative securities were exercised or acquired. Filing was signed by attorney-in-fact Megan L. Mercer on 07/31/2025.

Positive

• Executive retains sizable ownership after the transaction, holding over 41,000 shares in total, which helps align management and shareholder interests.
• Timely and properly executed filing demonstrates adherence to Section 16 reporting requirements and sound governance processes.

Negative

• Insider share disposition, even for tax withholding, can be viewed as a minor negative signal by some investors.

Insights

Securities Analyst

TL;DR: Small tax-withholding sale; insider retains sizable stake—neutral signal.

The 716-share F-code sale (~$78k) is routine for payroll tax obligations on vested equity. Terry still controls >41k shares, maintaining alignment with shareholders. Transaction size is immaterial to float and does not suggest a change in sentiment or fundamentals. Impact on valuation or trading dynamics is negligible.

Corporate Governance Specialist

TL;DR: Compliance appears clean; no red flags detected.

The filing was timely (within two business days) and properly executed via power-of-attorney, indicating sound internal controls. Use of Rule 16b-3(F) for tax withholding is standard. Continued large ownership (>36k direct shares) supports governance best-practice of executive stakeholding. No indications of 10b5-1 plan usage were disclosed.

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^*

Terry Thomas S

(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)
	Chief Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
07/29/2025

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	07/29/2025		F		716	D	$109.2	36,022.3105	D
Common Stock								5,004.343	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/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry	07/31/2025
	** 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 UMBF shares did Thomas S. Terry sell?

He disposed of 716 common shares on 07/29/2025.

What was the sale price of the shares?

The shares were valued at $109.20 each, totaling roughly $78,000.

How many UMBF shares does the officer still own?

After the transaction, Mr. Terry owns 36,022.3105 shares directly and 5,004.343 shares indirectly through the ESOP.

What does the transaction code "F" mean on Form 4?

Code F indicates shares withheld by the issuer to pay taxes on equity awards.

Is this sale considered material to UMBF shareholders?

No. The 716-share sale represents about 2 % of the officer’s direct holdings and is immaterial to UMBF’s total float.