Ram Shankar - 09 Feb 2026 Form 4 Insider Report for UMB FINANCIAL CORP (UMBF)

Role: Chief Financial Officer
Signature: /s/ Jason Bartel, attorney-in-fact for Mr. Shankar
Issuer symbol: UMBF
Transactions as of: 09 Feb 2026
Net transactions value: -$51,164
Form type: 4
Filing time: 11 Feb 2026, 17:39:27 UTC
Previous filing: 10 Feb 2026
Next filing: 12 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Shankar Ram	Chief Financial Officer	1010 GRAND BLVD., KANSAS CITY	/s/ Jason Bartel, attorney-in-fact for Mr. Shankar	11 Feb 2026	0001681209

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	UMBF	Common Stock	Tax liability	$51,164	-381	-1.2%	$134.29	32,677	09 Feb 2026	Direct	F1
holding	UMBF	Common Stock						1,605	09 Feb 2026	By 401K	F2
holding	UMBF	Common Stock						97	09 Feb 2026	By ESOP	F3

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

Explanation of Responses:

Id	Content
F1	Reflects dividends earned upon vesting of the underlying restricted stock unit.
F2	Reflects shares acquired by the reporting person through the UMB Financial Corporation 401(k) Plan
F3	Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.