UMBF UMB FINANCIAL CORP Insider Trading

President James D Rine sells 8,246 shares at $132.59 avg for $1.1M; retains 61.4K shares; consistent with prior UMBF sell pattern

James D Rine, President, sold 8,246 shares across 2 separate transactions on 2026-06-09 for a combined $1,093,296.56, reducing his holdings from 69,692 to 61,446 shares. His five prior trades at UMBF (all sells on 2024-11-06) each generated negative 90-day returns ranging from -6.6% to -6.2%, consistent with the timing pattern shown in this filing. The stock currently trades at $131.96, near its 52-week high of $136.11, and has gained 17.9% over 90 days—context that highlights whether this sale represents a shift in conviction or continuity with established patterns. Cross-ticker, his track record shows a 90-day well-timed rate of 80.00% on 15 prior sells, though same-ticker history at UMBF shows all 5 prior sells were well-timed at the 90-day mark.

CEO Kemper J Mariner sold 18,714 shares at blended $128.68 for $2.4M, retaining 1.51M shares post-sale.

Mariner executed three separate sales totaling 18,714 shares for $2,408,023.97 at prices ranging from $128.04 to $129.19 on 2026-02-02, representing a -1.2% reduction in his 1.52M share position. The sales occurred near the stock's 52-week high of $128.05, with the current price at $127.96, and follow a period of substantial upside momentum: 30-day +9.9% and 90-day +19.4%. His prior trades at UMBF show a pattern of well-timed exits: 4 of 4 measurable prior sales resulted in negative 90-day returns, indicating he has historically sold before subsequent declines at this ticker. However, timing characterizations are best viewed alongside the context that he retains a substantial 1.51M share position, maintaining significant direct exposure to UMBF's performance despite the recent reductions.

Director Peterman Tamara bought 154 shares of UMBF at $127.84 on 2026-02-02, bringing holdings to 10,101 shares (+1.5%)

Peterman purchased 154 shares at $127.84, just 0.1% below the 52-week high of $128.05, with the stock up 9.9% over 30 days and 19.4% over 90 days. Her prior trades at UMBF show mixed timing: 2 of 5 prior buys achieved positive 90-day returns (most recently a buy on 2025-11-03 that returned +19.5% over 90 days), while 3 of 5 were underwater at the 90-day mark. Cross-ticker, her track record reflects 10 prior buys with a 50% win rate at 90 days and average 90-day returns of +5.9%, suggesting modest predictive value. The company carries a reasonable valuation at P/E 16.02 with $188.3M in net income and a $9.7B market cap, indicating a stable mid-cap financial institution with no obvious deterioration in fundamentals.

Director Graves buys 220 UMBF shares at $127.84; modest $28.1K addition to 39.5K holdings (+0.6%)

Director Greg M Graves purchased 220 shares of UMB Financial at $127.84 on 2026-02-02, bringing his total holdings to 39,540 shares—a 0.6% increase from his prior position of 39,320 shares. The purchase value was $28,125.00 ($28.1K), representing a small absolute addition. At Graves' same ticker (UMBF), prior trade outcomes have been mixed: 2 of 5 prior buys were well-timed at the 90-day mark, while the other 3 did not achieve positive 90-day returns, with returns ranging from -7.4% to +14.8% over 90 days. The stock is currently priced at $127.96, near its 52-week high of $128.05, and has appreciated 9.9% over 30 days and 19.4% over 90 days. No extraordinary pattern emerges from this single transaction relative to the modest purchase size and mixed timing history at this ticker.

UMBF: CEO Kemper Mariner sold 15,367 shares at $114.58 on 2025-12-08; holds 1.52M post-sale.

Kemper Mariner, Chairman and CEO of UMB Financial Corp, sold 15,367 shares at $114.58 for total value of $1,760,750.86, reducing his holdings from 1.54M shares to 1.52M shares. His prior trades at UMBF (5 sales in September 2025) showed negative 30-day and 90-day returns, with 2 of 2 prior measurable outcomes well-timed at the 90-day mark (stock declined after sale). His cross-ticker track record shows a 29.41% well-timed rate on 20 prior sells with an average 90-day return of +7.1%. The current stock price of $114.24 is 10.1% below the 52-week high and up 4.8% over 30 days, despite UMBF's solid fundamentals (P/E 14.30, net income $188.3M, market cap $8.7B). The sale represents a modest 1.0% reduction in his ownership stake.

Director Graves buys 264 UMBF shares at $106.41; stock -10.7% in 30 days, -1.3% in 90 days.

Director Greg M Graves purchased 264 shares of UMB Financial at $106.41, adding 0.7% to his existing 38.1K share position. The purchase occurs as UMBF has declined 10.7% over the past month and trades 16.0% below its 52-week high of $127.60. Examining Graves's prior transaction history at UMBF reveals mixed timing outcomes: of his four measurable prior purchases at this ticker, two subsequently showed positive 90-day returns (+14.8%, +11.6%) while two showed negative returns (-7.4%, -6.4%), suggesting no clear pattern of prescient entry timing. The current trade appears relatively modest in size and follows a period of price weakness, but without additional context on Graves's overall portfolio activity or personal circumstances, the purchase represents a routine accumulation by a director rather than a distinct signal about the company's prospects.

Director Peterman Tamara bought 185 UMBF shares at $106.41 on 2025-11-03, increasing holdings to 9,127 shares (+2.1%).

Director Tamara Peterman purchased 185 shares of UMB Financial Corp at $106.41, a modest 2.1% increase to her 9,127-share position. The purchase occurred at a price roughly 0.7% above the current $107.16 level, near the midpoint of the 52-week range ($86.40–$127.60). Examining her prior five trades at UMBF, she has achieved positive 90-day returns on 2 of 4 measurable occasions (50% well-timed rate on buys), with outcomes ranging from -7.4% to +14.8% at the 90-day mark. Her cross-ticker track record across 9 prior open-market buys shows an average 90-day return of +5.8% with a 50% win rate, providing mixed signals about her timing precision. The stock has declined 10.7% over the past 30 days and 16.0% from its 52-week high, yet her buy activity represents routine portfolio activity rather than a concentrated conviction signal.

UMBF CEO Mariner sells 4,500 shares for $561.4K; 36.0% reduction in holdings over two days

CEO Kemper Mariner executed 5 separate sales totaling 4,500 shares for $561,380.00 at an average price of $124.75 on 2025-09-09 and 2025-09-10, reducing his holdings from 12,500 to 8,000 shares (a -36.0% reduction). The stock currently trades at $121.68, down 4.6% from its 52-week high of $127.60, placing the transaction prices near the upper end of the 52-week trading range. The company's P/E of 17.48 and strong net income of $217.4M reflect a healthy financial profile. Notably, Mariner's cross-ticker track record shows avg 30d return +6.8% and avg 90d return +11.8% following his prior sells—indicating his past sales have been poorly timed overall (stock rising after his exits). His same-ticker history at UMBF is mixed: 2 of 4 prior measurable sales were well-timed, while 2 were poorly timed (dec 2024 sales followed by declines). This transaction's timing signal is ambiguous given the divergent outcomes in his historical pattern.

Director Peterman Tamara bought 163 shares of UMBF at $120.44 on 2025-09-02; holdings now 8,912 shares (+1.9%).

Director Peterman Tamara purchased 163 shares at $120.44, expanding holdings from 8,748 to 8,912 shares. This represents a modest 1.9% increase in position size. At UMBF specifically, she has completed 5 prior trades, with mixed outcomes: her most recent UMBF buy on 2025-08-01 delivered a 30-day return of +13.3%, but earlier purchases on 2025-03-03 and 2024-02-01 produced negative 90-day returns of -6.4% and -2.4% respectively. Only 2 of her 4 measured UMBF buys were well-timed at the 90-day mark. The current stock price of $123.63 is -3.1% from the 52-week high and has gained +11.1% over the past 30 days, suggesting recent positive momentum. The transaction value of $19,687.50 is moderate in absolute terms relative to the company's $9.4B market capitalization and $217.4M net income (P/E 17.76).

Director Graves purchases 233 UMBF shares at $120.44; sixth consecutive buy in past 14 months, continuing pattern of steady accumulation.

Director Greg M. Graves executed a $28,125.00 purchase of 233 shares at $120.44, bringing his holdings to 38,033 shares. This purchase represents his sixth open-market buy at UMB Financial in 14 months (since February 2024), each time at discrete intervals rather than a single concentrated addition. Notably, of his prior five trades at this ticker, two of four measurable 90-day outcomes showed positive returns, indicating mixed timing success on this specific holding. The current stock price of $123.63 sits -3.1% from the 52-week high, and has risen 18.0% over the past 90 days, providing some near-term upside context to the transaction. The company carries a P/E of 17.76 and net income of $217,394,000.00, placing it within mid-cap financial sector ranges. While the continued accumulation pattern is consistent with his prior behavior, the modest size (+0.6% to holdings) and mixed historical returns on this ticker suggest observation rather than elevated signal strength.