X0508 4 2026-02-02 0000101382 UMB FINANCIAL CORP UMBF 0001229109 KEMPER J MARINER 1010 GRAND BLVD. KANSAS CITY MO 64106 1 1 Chairman and CEO 0 Common Stock 2026-02-02 4 S 0 3500 129.0558 D 318350.2177 D Common Stock 2026-02-02 4 S 0 7972 128.0437 D 1513442 I By Trust - RC Kemper Irrevocable Trust Common Stock 2026-02-02 4 S 0 7242 129.1859 D 1506200 I By Trust - RC Kemper Irrevocable Trust Common Stock 1000 I By Daughter - Custodial Brokerage Account Common Stock 2309.08 I By Esop Common Stock 1000 I By Son - Custodial Brokerage Account Common Stock 0 I By Trust - RC Kemper For John Common Stock 21460 I By Trust - TUW RC Kemper For John Mariner Common Stock 12558 I By Trust: Mary S Hunt Trust Common Stock 8000 I By Trust: Megan Kemper Trust Common Stock 288945 I Held by Kemper Realty Common Stock 392029 I Held by Pioneer Service Corporation 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. /s/ Megan Mercer, attorney-in-fact for Mr. Kemper 2026-02-03