J. Mariner Kemper - 02 Feb 2026 Form 4 Insider Report for UMB FINANCIAL CORP (UMBF)

Role: Chairman and CEO, Director
Signature: /s/ Megan Mercer, attorney-in-fact for Mr. Kemper
Issuer symbol: UMBF
Transactions as of: 02 Feb 2026
Net transactions value: -$2,408,024
Form type: 4
Filing time: 03 Feb 2026, 18:18:00 UTC
Previous filing: 02 Jan 2026
Next filing: 10 Feb 2026
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/ Megan Mercer, attorney-in-fact for Mr. Kemper	03 Feb 2026	0001229109

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	UMBF	Common Stock	Sale	$451,695	-3,500	-1.1%	$129.06	318,350	02 Feb 2026	Direct
transaction	UMBF	Common Stock	Sale	$1,020,764	-7,972	-0.52%	$128.04	1,513,442	02 Feb 2026	By Trust - RC Kemper Irrevocable Trust	F1
transaction	UMBF	Common Stock	Sale	$935,564	-7,242	-0.48%	$129.19	1,506,200	02 Feb 2026	By Trust - RC Kemper Irrevocable Trust	F2
holding	UMBF	Common Stock						1,000	02 Feb 2026	By Daughter - Custodial Brokerage Account
holding	UMBF	Common Stock						2,309	02 Feb 2026	By Esop
holding	UMBF	Common Stock						1,000	02 Feb 2026	By Son - Custodial Brokerage Account
holding	UMBF	Common Stock						0	02 Feb 2026	By Trust - RC Kemper For John
holding	UMBF	Common Stock						21,460	02 Feb 2026	By Trust - TUW RC Kemper For John Mariner
holding	UMBF	Common Stock						12,558	02 Feb 2026	By Trust: Mary S Hunt Trust
holding	UMBF	Common Stock						8,000	02 Feb 2026	By Trust: Megan Kemper Trust
holding	UMBF	Common Stock						288,945	02 Feb 2026	Held by Kemper Realty
holding	UMBF	Common Stock						392,029	02 Feb 2026	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 this column is a weighted average price. These shares were sold in multiple transactions at prices ranging from 127.73 to 128.73, 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 range set forth in this footnote to this Form 4.
F2	The price reported in this column is a weighted average price. These shares were sold in multiple transactions at prices ranging from 128.76 to 129.74, 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 this footnote to this Form 4.

Content

The price reported in this column is a weighted average price. These shares were sold in multiple transactions at prices ranging from 127.73 to 128.73, 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 range set forth in this footnote to this Form 4.

The price reported in this column is a weighted average price. These shares were sold in multiple transactions at prices ranging from 128.76 to 129.74, 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 this footnote to this Form 4.