Robert Brian Beaird - 09 Feb 2026 Form 4 Insider Report for UMB FINANCIAL CORP (UMBF)

Role: Chief Human Resource Officer
Signature: /s/ Jason D. Bartel, attorney-in-fact for Mr. Beaird
Issuer symbol: UMBF
Transactions as of: 09 Feb 2026
Net transactions value: -$21,352
Form type: 4
Filing time: 11 Feb 2026, 17:47:08 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
Beaird Robert Brian	Chief Human Resource Officer	1010 GRAND BLVD., KANSAS CITY	/s/ Jason D. Bartel, attorney-in-fact for Mr. Beaird	11 Feb 2026	0001793099

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	UMBF	Common Stock	Tax liability	$21,352	-159	-1.5%	$134.29	10,701	09 Feb 2026	Direct	F1
holding	UMBF	Common Stock						228	09 Feb 2026	By ESOP	F2

* 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 ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.