Form 4: UMBF President Sells Shares Under 10b5-1 Plan

UMB Financial Corp President James D. Rine sold 3,487 shares of common stock for approximately $119.03 per share.

Summary

• James D. Rine, President of UMB Financial Corp (UMBF), disposed of 3,487 shares of common stock.
• The transaction occurred on December 11, 2025, and was executed under a Rule 10b5-1(c) pre-arranged trading plan.
• The shares were sold at a weighted average price of $119.034 per share, with individual transaction prices ranging from $119.00 to $119.0675.
• Following this transaction, Mr. Rine directly beneficially owns 70,577.1751 shares of common stock.
• Additionally, Mr. Rine indirectly beneficially owns 1,457.281 shares through an ESOP (Employee Stock Ownership Plan).

Sentiment

Score: 5

Explanation: The sentiment is neutral as this is a routine disclosure of an insider stock sale, executed under a pre-arranged 10b5-1 plan, which typically does not carry strong positive or negative implications for the company's prospects.

Future Outlook

This filing does not contain any forward-looking statements or guidance regarding the company's future outlook.

Industry Context

This Form 4 filing details a routine insider transaction by a senior executive, which is a common occurrence in publicly traded companies. Such transactions, especially when conducted under a Rule 10b5-1 plan, are generally considered pre-planned and not necessarily indicative of broader industry trends or specific company performance signals.

Stakeholder Impact

• Shareholders: A routine insider sale under a 10b5-1 plan typically has minimal direct impact on shareholders, as it's often for personal liquidity or diversification and not a signal of management's view on future performance.

Key Dates

Keywords

UMBF, UMB Financial Corp, James D Rine, Insider Trading, Form 4, Stock Sale, 10b5-1 Plan