X0609 4 2026-06-09 0000101382 UMB FINANCIAL CORP UMBF 0001739106 Rine James D false 1010 GRAND BLVD. KANSAS CITY MO 64106 1 President 0 Common Stock 2026-06-09 4 S 0 7172 132.49 D 62520.1751 D Common Stock 2026-06-09 4 S 0 1074 133.22 D 61446.1751 D Common Stock 1487.754 I By ESOP The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $132.00 to $132.99, inclusive. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $133.00 to $133.22, 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 footnotes (1) and (2) to this Form 4. /s/ Jason Bartel, attorney-in-fact for Mr. Rine 2026-06-10