[Form 4] UMB Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

UMB Financial Corp insider sale by Chief Human Resource Officer Robert Brian Beaird sold 1,205 shares of UMB Financial Corp common stock on 08/13/2025 at a weighted average price of $116.17 per share. After the sale, Mr. Beaird beneficially owned 10,147.3509 shares directly and 216.0408 shares indirectly through an ESOP. The filing was signed by an attorney-in-fact on 08/14/2025. The form notes the sale occurred in multiple transactions at prices ranging from $116.17 to $116.20 and offers to provide further breakdown on request.

Positive

• Significant retained ownership: Reporting person still holds 10,147.3509 shares directly after the sale
• ESOP involvement disclosed: 216.0408 shares held indirectly via employee stock ownership, indicating alignment with employees

Negative

• Insider sale reported: Disposition of 1,205 shares on 08/13/2025 could be viewed negatively by some investors
• Sale executed in multiple transactions: Prices ranged from $116.17 to $116.20, requiring additional breakdown for full clarity

Insights

Financial Analyst

TL;DR: Routine insider sale; modest size relative to holdings, limited immediate market implication.

The transaction discloses a small-scale disposition of 1,205 shares at ~ $116.17, executed across multiple trades. Post-transaction direct beneficial ownership remains at 10,147.3509 shares, with an additional 216.0408 shares held indirectly via an ESOP, indicating continued vested exposure to company equity. There is no accompanying disclosure of option exercises, derivative activity, or material corporate events, suggesting the sale is likely personal liquidity rather than company-driven.

Corporate Governance Expert

TL;DR: Disclosure is complete for the reported sale and ownership; no governance concerns evident from this filing alone.

The Form 4 provides required transaction detail including weighted average price and a footnote clarifying price ranges, and it includes the reporting person's role as Chief Human Resource Officer. Ownership remains concentrated with the reporting person and an ESOP stake is disclosed, which is relevant for alignment considerations. Absent further transactions or contextual filings, this single sale does not imply governance issues.

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^*

Beaird Robert Brian

(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 Human Resource Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/13/2025

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	08/13/2025		S		1,205	D	$116.17	10,147.3509(1)	D
Common Stock								216.0408	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:

1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $116.17 to $116.20, inclusive. The reporting person undertakes to provide to the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, additional information regarding the number of shares sold at each separate price within the ranges set forth in footnotes (1) and (2) to this Form 4.

	/s/ Megan L. Mercer, attorney-in-fact for Mr. Beaird	08/14/2025
	** 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 did the UMBFP insider sell and when?

The filing reports sale of 1,205 shares of common stock on 08/13/2025 at a weighted average price of $116.17.

How many shares does the reporting person own after the transaction?

After the sale the reporting person beneficially owned 10,147.3509 shares directly and 216.0408 shares indirectly via an ESOP.

What position does the reporting person hold at UMB Financial?

The reporting person is listed as Chief Human Resource Officer and a director on the Form 4.

Were the sale prices uniform or varied?

The form states the shares were sold in multiple transactions at prices ranging from $116.17 to $116.20 and offers to provide a detailed breakdown on request.

Who signed the Form 4 filing?

The Form 4 was signed by Megan L. Mercer, attorney-in-fact for Mr. Beaird on 08/14/2025.