J. MARINER KEMPER - 08 Dec 2025 Form 4 Insider Report for UMB FINANCIAL CORP (UMBF)

Role: Chairman and CEO, Director
Signature: /s/ Jason Bartel, attorney-in-fact for Mr. Kemper
Issuer symbol: UMBF
Transactions as of: 08 Dec 2025
Transactions value $: -$1,760,751
Form type: 4
Filing time: 08 Dec 2025, 17:14:39 UTC
Previous filing: 04 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
KEMPER J MARINER	Chairman and CEO, Director	1010 GRAND BLVD., KANSAS CITY	/s/ Jason Bartel, attorney-in-fact for Mr. Kemper	08 Dec 2025	0001229109

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	UMBF	Common Stock	Sale	-$1.76M	-15.4K	-1%	$114.58	1.52M	08 Dec 2025	By Trust - RC Kemper Irrevocable Trust	F1
holding	UMBF	Common Stock						329K	08 Dec 2025	Direct
holding	UMBF	Common Stock						1K	08 Dec 2025	By Daughter - Custodial Brokerage Account
holding	UMBF	Common Stock						2.31K	08 Dec 2025	By Esop
holding	UMBF	Common Stock						1K	08 Dec 2025	By Son - Custodial Brokerage Account
holding	UMBF	Common Stock						21.5K	08 Dec 2025	By Trust - TUW RC Kemper For John Mariner
holding	UMBF	Common Stock						12.6K	08 Dec 2025	By Trust: Mary S Hunt Trust
holding	UMBF	Common Stock						8K	08 Dec 2025	By Trust: Megan Kemper Trust
holding	UMBF	Common Stock						289K	08 Dec 2025	Held by Kemper Realty
holding	UMBF	Common Stock						392K	08 Dec 2025	Held by Pioneer Service Corporation

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $114.14 to $115.05, inclusive.