[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

UMB Financial Corp (UMB F) reporting person Shannon Andresen Johnson, Chief Administrative Officer, reported sales of company common stock on 09/02/2025 and 09/03/2025. The Form 4 shows a disposition of 1,518 shares at $121.53 on 09/02/2025 and a disposition of 1,367 shares at $120.575 on 09/03/2025, leaving 34,124.1252 shares directly owned and 337.419 shares held indirectly via an ESOP.

Positive

• None.

Negative

• Insider sold 2,885 shares across two transactions (1,518 and 1,367 shares) on 09/02/2025–09/03/2025
• Form reports no derivative activity or 10b5-1 plan indication, so sales lack context within this filing

Insights

Securities Analyst

TL;DR: Officer reported routine insider sales totaling 2,885 shares across two days; holdings remain both direct and ESOP-linked.

The filing documents two non-derivative dispositions by the Chief Administrative Officer on consecutive dates at market prices: 1,518 shares at $121.53 and 1,367 shares at $120.575. After these transactions the reporting person retains 34,124.1252 shares directly and 337.419 indirectly via an ESOP. This presentation is concise and limited to securities sold, with no derivatives or other compensatory grants reported.

Corporate Governance Expert

TL;DR: Disclosure is compliant and informational; transactions appear routine with no additional context provided.

The Form 4 is signed by an attorney-in-fact and records straightforward dispositions under Section 16 reporting. There is no indication of a Rule 10b5-1 plan checkbox marked, and no amendments or derivative activity disclosed. For governance review, the filing documents transparency of officer trading but does not include rationale or plan details.

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^*

Johnson Shannon Andresen

(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 Administrative Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/02/2025

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	09/02/2025	09/02/2025	G		1,518	D	$121.53	35,491.1252	D
Common Stock	09/03/2025		S		1,367	D	$120.575	34,124.1252	D
Common Stock								337.419	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. Johnson	09/04/2025
	** 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 the UMBF reporting person disclose on this Form 4?

The reporting person disclosed dispositions of 1,518 shares at $121.53 on 09/02/2025 and 1,367 shares at $120.575 on 09/03/2025.

How many shares does the reporting person own after these transactions?

After the reported sales the reporting person beneficially owns 34,124.1252 shares directly and 337.419 shares indirectly via an ESOP.

Was a Rule 10b5-1 trading plan indicated on this Form 4 for UMBF?

No checkbox or statement indicating a 10b5-1 plan is present in the provided content.

Who signed the Form 4 and when was it signed?

The Form 4 is signed by Jason D. Bartel, attorney-in-fact for Ms. Johnson on 09/04/2025.

What is the reporting person's role at UMB Financial Corp?

The reporting person, Shannon Andresen Johnson, is listed as Chief Administrative Officer and a director.