Form 4: UMB Financial Director Sells Shares Under 10b5-1 Plan

UMB Financial Corp Director Kevin Charles Gallagher sold 460 shares of common stock for $110.71 per share on November 10, 2025, under a Rule 10b5-1 plan.

Summary

• Kevin Charles Gallagher, a Director of UMB FINANCIAL CORP (UMBF), reported a transaction involving the company's common stock.
• On November 10, 2025, Mr. Gallagher disposed of 460 shares of common stock.
• The shares were sold at a price of $110.71 per share.
• This transaction was made pursuant to a contract, instruction, or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c).
• Following this transaction, Mr. Gallagher beneficially owns a total of 20,573.83 shares, comprising 12,089.668 shares directly, 8,040.001 shares indirectly through an IRA, and 444.161 shares indirectly through a Roth IRA.

Sentiment

Score: 5

Explanation: The filing reports a planned sale of shares by a director, which is a routine insider transaction under a Rule 10b5-1 plan. It does not inherently indicate positive or negative sentiment regarding the company's performance or outlook.

Negatives

• A director's sale of shares, even if pre-planned, can sometimes be perceived by the market as a reduction in insider confidence, although this is mitigated by the Rule 10b5-1 plan.

Future Outlook

NA

Industry Context

NA

Stakeholder Impact

• Shareholders might interpret the director's sale as a neutral event given it was pre-planned under Rule 10b5-1, or potentially a minor negative signal if not fully understood.

Key Dates

Recommendation

The filing details a routine, pre-planned sale of a relatively small number of shares by a director under a Rule 10b5-1 plan. This type of transaction typically does not provide significant new information to warrant a change in investment recommendation. Investors should consider broader company fundamentals and market conditions rather than this isolated insider transaction.

Keywords

UMB Financial Corp, UMBF, Insider Trading, Form 4, Director Sale, Stock Transaction, Kevin Charles Gallagher, Rule 10b5-1