[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Stacy H. King, Chief Risk Officer and director of UMB Financial Corp, reported insider transactions on 08/22/2025. The Form 4 shows two open-market sales of common stock: 100 shares sold at $118.69 and 1,400 shares sold at $118.89. Following these disposals, Ms. King directly beneficially owned 9,472 shares (down from 10,872 prior to the sales) and held an indirect interest of 52.383 shares via an ESOP. The filing was signed by attorney-in-fact Jason D. Bartel on 08/22/2025.

Insights

Financial Analyst

TL;DR: Insider sales were small relative to institutional ranges; filing provides transparent disclosure of the transactions.

The report shows two routine open-market sales totaling 1,500 shares executed on 08/22/2025 at prices near $118.7–$118.9. The filings indicate a reduction in direct holdings from 10,872 to 9,472 shares. There are no derivative transactions or new grants disclosed. From a shareholder-impact viewpoint, these transactions are explicit disclosures without additional contextual information about intent or timing beyond the trade dates and prices.

Corporate Governance Expert

TL;DR: The Form 4 is properly executed by an agent and discloses director/officer sales, meeting Section 16 reporting requirements.

The filing identifies the reporting person as both a director and the Chief Risk Officer, and shows execution by an attorney-in-fact, which is allowable. The disclosure of direct and indirect ownership (including ESOP interest) is clear. No indications of amendments, option exercises, or plan-based transactions are present in this report.

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^*

King Stacy H

(Last) (First) (Middle)

1010 GRAND BOULEVARD

(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 Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/22/2025

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	08/22/2025		S		100	D	$118.69	10,872	D
Common Stock	08/22/2025		S		1,400	D	$118.89	9,472	D
Common Stock								52.383	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 D. Bartel, attorney-in-fact for Ms. King	08/22/2025
	** 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 transactions did Stacy H. King report on the Form 4 for UMBFP?

The Form 4 reports two open-market sales on 08/22/2025: 100 shares at $118.69 and 1,400 shares at $118.89.

How many UMBF shares does Stacy H. King beneficially own after the reported sales?

After the transactions, Ms. King directly beneficially owned 9,472 shares and held an indirect ESOP interest of 52.383 shares.

Who signed the Form 4 for Stacy H. King and when was it signed?

The form was signed by attorney-in-fact Jason D. Bartel and dated 08/22/2025.

Were any derivative securities or option exercises reported by Stacy H. King?

No. Table II contains no entries for derivative securities, exercises, or grants in this filing.

Does the Form 4 indicate the reporting person’s relationship to the issuer?

Yes. The filing lists Ms. King as a Director and Officer with the title Chief Risk Officer.