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UMB Financial Corp (UMBF) stock

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NASDAQ: UMBF Nasdaq Regional Banks Next results ~January 26, 2027

C Fundamentals grade

UMB Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders2 buying, 11 selling6 purchases and 26 sales by directors and officers, last 12 monthsInsider trades
  • Funds251 adding, 193 cuttingOf 61 active managers that changed their stake, 27 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter UMB Financial files

10-Q filed October 29: UMB Financial

UMB Financial posted revenue of $3.01bn for the twelve months to September 2026, up 27.3% on a year earlier. That marks a slowdown from the 39.3% growth recorded a quarter earlier. Meanwhile, the diluted share count has risen 14.4% year-on-year, diluting existing holders. Our model value has fallen from $151 to $143 a share, against a current share price of $132. The rating stays Hold.

Our model value for UMB Financial is under review, so past values are not shown until it is resolved.

Source: 10-Q filed October 29, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where UMB Financial stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $2.92bn, up 39.3% on a year earlier, slower than the 57.6% growth a quarter earlier. That growth ranks 6 of 50 among the regional banks companies we cover. The diluted share count is up 27.4% on a year earlier, which dilutes existing holders.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 26, 2027 (estimated)

UMB Financial Corp's trailing-twelve-month revenue grew 27.3% year on year, with a free-cash-flow margin of 37.9%. Where it stands out: revenue growth of 27.3% ranks 47 of 245 regional banks companies we cover. Where it lags: change in growth rate of -12.1pp ranks 223 of 244 regional banks companies we cover.

Current signal Revenue growth decelerating: TTM revenue growth slowed to 27.3% (-12.1pp vs the prior quarter), the 3rd consecutive quarterly slowdown.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 27.3% over the last 12 months, against a median of 12.5% for regional banks companies we cover.
  • Strong cash generation. 37.9% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $4.3bn.
  • Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.

Things to watch

  • Growth slowing. The growth rate is 12.1 points lower than a quarter earlier.
  • Share dilution. Diluted shares rose 14.4% in a year.

Latest results: FY2026 Q3

Filed October 29, 2026
Earnings per share
$3.56 against an average estimate of $3.22: beat by 10.5%
Revenue
$772m, up 13.9% on a year earlier
Share reaction
-1.4% in the first session after the results on October 27, 2026, against +0.9% for the S&P 500
Next report
January 26, 2027; average EPS estimate $3.29

UMB Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.2%
  • 1 week+2.4%
  • 1 month+5.0%
  • This year+20.8%
  • 1 year+30.5%
  • 5 years+44.6%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$3B
Net margin
34.3%
EPS (TTM, diluted)
$13.50

Growth

Revenue growth
+27.3%
Change in growth rate
−12.1 pts
Share count change
+14.4%

Earnings

Last results
October 27, 2026
Next results (est.)
January 26, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Leadership
  2. Results
  3. Announcement
  4. Deal
  5. Announcement
  6. Insider trade
  7. Dividend
  8. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

UMB Financial Corp valuation models and calculator

No model value for UMB Financial Corp at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value UMB Financial Corp as a bank or lender, with every model that fits that kind of business. Cost of equity 8.9%: the 10-year Treasury yield (4.9%) plus a beta of 0.87 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$170 ~$120–$240 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$170 ~$150–$210 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$150 ~$95–$200 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$80 ~$100–$160 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$140 ~$130–$160 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$180 ~$150–$230 Included
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare UMB Financial Corp with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

58 /100

Moderate moat

How hard UMB Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 10 / 20

    Net income has been a median 0.9% of total assets over 10 years.

  • Durability 18 / 20

    Net margin has been a median 25.8%; its worst year was 17.1%.

  • Discipline 10 / 20

    The diluted share count rose 57.3% over five years; stock-based pay has been a median 1.4% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (63 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 26, 2027, after the close. Analysts expect revenue of $768m and EPS of $3.29 (range $3.14 to $3.44) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $13.50 +19% $3.0bn +13%
Next $14.09 +4% $3.2bn +7%

Next year's EPS estimate has moved +1.4% in 90 days, across 16 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +2.4% on 90 days ago. In the last 30 days, 3 analysts raised UMB Financial Corp's forecast and 4 cut it.

Consensus EPS forecast UMB Financial Corp, last 90 days
$13.00 $13.50 $14.00 $14.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $13.18 Current fiscal year, 60 days ago: $13.22 Current fiscal year, 30 days ago: $13.26 Current fiscal year, 7 days ago: $13.27 Current fiscal year, Now: $13.50 $13.50 Next fiscal year, 90 days ago: $13.90 Next fiscal year, 60 days ago: $13.93 Next fiscal year, 30 days ago: $13.96 Next fiscal year, 7 days ago: $13.93 Next fiscal year, Now: $14.09 $14.09

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $13.18$13.90
60 days ago $13.22$13.93
30 days ago $13.26$13.96
7 days ago $13.27$13.93
Now $13.50$14.09

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $3.22 $3.56 +10.5%
Jun 2026 $3.12 $3.57 +14.5%
Mar 2026 $2.82 $3.41 +21.0%
Dec 2025 $2.70 $3.08 +13.9%

Adjusted EPS as companies report it, against the average analyst estimate.

Analyst recommendations

16 analysts, Oct 2026
Buy1381%
Hold319%
Sell00%

Monthly trend

  1. Oct 202676316
  2. Sep 202676316
  3. Aug 202676215
  4. Jul 202656213

Counts of recommendations published by analysts covering UMB Financial Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
6.3%
of tradable shares
Days to cover
5.66
at average volume
Short interest, 1 month
+11%
to October 15, 2026
Held by institutions
98%
of shares
Held by insiders
5.3%
of shares
Employees
5,222
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

What moved the share price

Last 12 months +30.5%

$105.35 on October 31, 2025 to $137.46

ThenNowEffect
Revenue (last 12 months) $2.1bn $2.9bn +39.3%
Net margin 25.2% 32.3% +28.1%
P/E multiple 12.0x 11.1x −6.9%
Share count 60m 76m −21.5%

Biggest factor: revenue.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
UMBF+56%−20%+2%+37%+3%+21%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
UMBF75%33%67%67%58%64%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
UMBF−14%−30%−41%−11%−29%−19%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since October 29, 2015: 50% from January 14, 2022 to May 4, 2023. Getting back needed a 101% gain, reached on September 19, 2024, 504 days after the low.

Price behaviour

52-week range
$102.51 – $151.50
From 52-week high
−9.3%
vs 50-day average
+1.5%
vs 200-day average
+5.2%
Volatility (1 year)
24%
Beta vs S&P 500
0.62

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±2.4%
After a week
6 up, 5 down
typical move ±4.4%
After a month
7 up, 4 down
typical move ±6.3%
Results releasedNext dayS&P 500 next day5 days21 days
October 27, 2026 −1.4% +0.9% — —
July 28, 2026 +5.2% −1.3% +5.2% +1.7%
April 28, 2026 0.0% −0.5% +5.6% +5.8%
January 27, 2026 +1.8% +0.4% +4.5% +1.0%
October 28, 2025 −3.3% +0.3% −5.5% −0.4%
July 29, 2025 +1.7% −0.4% +2.1% +12.9%
April 29, 2025 −1.4% +0.7% +4.3% +8.2%
January 28, 2025 +1.2% +0.4% −5.4% −10.3%
October 29, 2024 +3.8% −0.1% +3.7% +17.7%
July 30, 2024 +4.1% +1.1% −6.0% +4.5%
April 29, 2024 −4.2% −1.2% −1.3% −5.1%
January 30, 2024 −1.2% −1.7% −4.7% −2.2%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

UMB Financial Corp in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) UMB Financial Corp
$1B $1.5B $2B $2.5B $3B $3.5B FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $1.5B Revenue (TTM), FY24 Q1: $1.5B Revenue (TTM), FY24 Q2: $1.5B Revenue (TTM), FY24 Q3: $1.6B Revenue (TTM), FY24 Q4: $1.6B Revenue (TTM), FY25 Q1: $1.8B Revenue (TTM), FY25 Q2: $2.1B Revenue (TTM), FY25 Q3: $2.4B Revenue (TTM), FY25 Q4: $2.7B Revenue (TTM), FY26 Q1: $2.8B Revenue (TTM), FY26 Q2: $2.9B Revenue (TTM), FY26 Q3: $3B $3B

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $1.5B
FY24 Q1 $1.5B
FY24 Q2 $1.5B
FY24 Q3 $1.6B
FY24 Q4 $1.6B
FY25 Q1 $1.8B
FY25 Q2 $2.1B
FY25 Q3 $2.4B
FY25 Q4 $2.7B
FY26 Q1 $2.8B
FY26 Q2 $2.9B
FY26 Q3 $3B
Revenue growth, TTM YoY UMB Financial Corp
-20% 0% 20% 40% 60% 80% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: -0.4% Revenue growth, TTM YoY, FY24 Q1: -1.1% Revenue growth, TTM YoY, FY24 Q2: 3.2% Revenue growth, TTM YoY, FY24 Q3: 7.1% Revenue growth, TTM YoY, FY24 Q4: 11.4% Revenue growth, TTM YoY, FY25 Q1: 20.5% Revenue growth, TTM YoY, FY25 Q2: 38.2% Revenue growth, TTM YoY, FY25 Q3: 51.1% Revenue growth, TTM YoY, FY25 Q4: 62.8% Revenue growth, TTM YoY, FY26 Q1: 57.6% Revenue growth, TTM YoY, FY26 Q2: 39.3% Revenue growth, TTM YoY, FY26 Q3: 27.3% 27.3%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 -0.4%
FY24 Q1 -1.1%
FY24 Q2 3.2%
FY24 Q3 7.1%
FY24 Q4 11.4%
FY25 Q1 20.5%
FY25 Q2 38.2%
FY25 Q3 51.1%
FY25 Q4 62.8%
FY26 Q1 57.6%
FY26 Q2 39.3%
FY26 Q3 27.3%
FCF margin (TTM) UMB Financial Corp
0% 10% 20% 30% 40% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 30.7% FCF margin (TTM), FY24 Q1: 34.3% FCF margin (TTM), FY24 Q2: 31.3% FCF margin (TTM), FY24 Q3: 23.5% FCF margin (TTM), FY24 Q4: 12.6% FCF margin (TTM), FY25 Q1: 28.2% FCF margin (TTM), FY25 Q2: 31.9% FCF margin (TTM), FY25 Q3: 34.1% FCF margin (TTM), FY25 Q4: 36.9% FCF margin (TTM), FY26 Q1: 34.7% FCF margin (TTM), FY26 Q2: 35.7% FCF margin (TTM), FY26 Q3: 37.9% 37.9%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 30.7%
FY24 Q1 34.3%
FY24 Q2 31.3%
FY24 Q3 23.5%
FY24 Q4 12.6%
FY25 Q1 28.2%
FY25 Q2 31.9%
FY25 Q3 34.1%
FY25 Q4 36.9%
FY26 Q1 34.7%
FY26 Q2 35.7%
FY26 Q3 37.9%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What UMB Financial earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $3.4B
  2. Fee and other income $790M · 29.8%
  3. Interest paid $1.5B
  4. Net interest income $1.9B · 70.2%
  5. Revenue $2.7B
  6. Non-interest expense $1.6B · 61.2%
  7. Credit-loss provisions $155M · 5.8%
  8. Pre-tax profit $875M · 33.0%
  9. Income tax $173M · 6.5%
  10. Net income $702M · 26.5%

Shares of revenue. Source: UMB Financial's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 613 671 731 778 825 849 783 898 982 1,012 1,098 1,291 1,283 1,468 1,462 1,629 2,652 3,010
Net income 89 91 106 123 134 121 116 159 247 196 244 287 353 432 350 441 702 1,032
Diluted EPS $2.20 $2.26 $2.64 $3.04 $3.20 $2.65 $2.44 $3.22 $4.96 $3.93 $4.96 $5.93 $7.24 $8.86 $7.18 $8.99 $9.29 $13.50
Growth (year on year)
Revenue +4.3% +9.4% +9.0% +6.4% +6.0% +2.9% −7.8% +14.7% +9.4% +3.0% +8.5% +17.6% −0.7% +14.4% −0.4% +11.4% +62.8% +27.3%
Net income −8.8% +1.7% +17.0% +15.3% +9.2% −9.9% −3.8% +36.8% +55.6% −20.9% +24.6% +17.6% +23.2% +22.3% −18.9% +26.1% +59.2% +70.1%
Diluted EPS −7.6% +2.7% +16.8% +15.2% +5.3% −17.2% −7.9% +32.0% +54.0% −20.8% +26.2% +19.6% +22.1% +22.4% −19.0% +25.2% +3.3% +48.7%
Margins
Net margin 14.6% 13.6% 14.6% 15.8% 16.2% 14.2% 14.8% 17.7% 25.2% 19.3% 22.2% 22.2% 27.5% 29.4% 23.9% 27.1% 26.5% 34.3%
Free-cash-flow margin 20.1% 22.0% 24.3% 23.1% 31.1% 23.7% 20.2% 27.4% 29.5% 23.5% 24.4% 24.3% 39.0% 48.9% 30.7% 12.6% 36.9% 37.9%
Cash flow
Cash from operations 147 180 213 224 295 246 212 296 327 296 340 374 534 770 473 225 1,027 1,187
Capital spending 23 33 36 44 38 45 54 51 36 58 72 60 34 52 23 20 49 45
Free cash flow 123 147 177 180 257 201 158 246 290 238 268 313 500 718 450 205 978 1,142
Stock-based pay 5 6 7 7 8 10 11 12 13 11 15 15 21 21 19 23 38 41
Free cash flow after stock pay 118 141 171 173 248 191 147 234 277 227 253 298 479 696 431 183 940 1,101
Balance sheet
Cash 1,230 1,034 1,460 1,366 2,582 1,787 819 1,064 1,716 1,674 1,669 3,498 9,215 1,558 5,528 8,449 7,772 4,601
Total debt 55 44 19 6 5 9 91 77 79 83 70 270 272 381 2,183 385 474 333
Net debt (negative = net cash) −1,175 −990 −1,441 −1,361 −2,577 −1,778 −728 −987 −1,637 −1,591 −1,599 −3,228 −8,943 −1,177 −3,345 −8,063 −7,298 −4,268
Diluted shares 41m 40m 40m 40m 42m 45m 48m 49m 50m 50m 49m 48m 49m 49m 49m 49m 74m 76m
Returned to shareholders
Dividends 29 30 32 34 36 41 46 49 52 58 59 60 67 72 74 77 136 163
Buybacks 27 9 9 20 4 6 8 16 15 77 4 64 6 32 8 8 18 38
Total returned 56 39 41 54 40 47 54 65 67 135 64 124 72 104 83 85 153 200

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q3 TTM
Buybacks (TTM)
$38M
Dividends (TTM)
$163M
Returned to shareholders
18%
of free cash flow
Buybacks, last 3 fiscal years
$33.7M
Diluted share count
+14.4%
year over year
Total shareholder yield
1.9%
dividends 1.6% + buybacks 0.4% of market value
Dividend payout ratio
16%
of net income paid out

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated UMBF EWBC WTFC ONB SSB BPOP Median
Revenue, last 12 months $3.0bn $3.1bn $2.9bn $2.8bn $2.7bn $3.4bn $255m
Revenue growth, last 12 months 27.3% 13.7% 11.5% 21.8% 10.7% 9.9% 12.5%
Revenue growth, 3-year average 27.2% 6.0% 9.5% 13.7% 15.0% 2.5% 6.0%
Revenue growth, latest quarter 13.9% 12.5% 10.1% 1.1% −1.9% 9.2% 10.7%
Net margin 34.3% 46.6% 31.4% 33.8% 34.3% 28.9% 28.7%
Cash from operations / revenue 39.4% 63.7% 57.4% 36.2% 57.8% 29.9% 34.3%
Free-cash-flow margin 37.9% 63.7% 55.1% 34.6% 55.3% 24.1% 31.4%
Free-cash-flow margin, 3-year average 31.8% 57.8% 36.5% 29.6% 20.3% 19.2% 29.9%
Stock pay / revenue 1.4% 2.8% 1.5% 1.2% 1.4% — 1.2%
Change in share count 14.4% −0.4% 1.3% 10.8% 3.2% −6.5% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth 27.3% 12.5% 47 of 245
Change in growth rate Growth -12.1pp +0.0pp 223 of 244
Net margin Profitability 34.3% 28.7% 49 of 245
Stock pay as % of revenue Cash generation 1.4% 1.3% 117 of 206
Change in share count Balance sheet 14.4% 0.4% 207 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Segments
Line of business Revenue YoY
Institutional Banking $406M ▲ 14.7%
Commercial Banking $178M ▲ 44.4%
Personal Banking $133M ▲ 37.4%

These categories overlap or exclude eliminations, so shares aren't shown.

From UMB Financial Corp's 10-K filed February 26, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$10.4B
Institutions reporting
480
Shares held vs prior quarter
▲ 4.4%
Positions opened / closed
76 / 49

Top buyers and sellers, Q2 2026: 251 institutions bought and 193 sold ; the biggest buyer was Blackrock, Inc (+871K shares) and the biggest seller Wellington Management Group LLP (−1.0M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $1.5B 10.2M 14.1% ▲ 9.3%
Umb Bank, N.A. $667M 4.7M 6.4% ▼ 1.0%
Vanguard Portfolio Management LLC $601M 4.2M 5.8% ▲ 1.9%
State Street Corp $592M 4.1M 5.7% ▲ 3.8%
Vanguard Capital Management LLC $447M 3.1M 4.3% ▲ 0.9%
Dimensional Fund Advisors LP $433M 3.0M 4.2% ▲ 4.2%
FMR LLC $381M 2.7M 3.7% ▲ 10.3%
Geode Capital Management, LLC $295M 2.1M 2.8% ▲ 6.0%
Wellington Management Group LLP $241M 1.7M 2.3% ▼ 37.7%
Neuberger Berman Group LLC $223M 1.6M 2.1% ▼ 8.1%
Earnest Partners LLC $177M 1.2M 1.7% ▼ 2.8%
Goldman Sachs Group Inc $177M 1.2M 1.7% ▲ 38.6%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not UMB Financial Corp's complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $230,650 6 trades by 2 insiders, last 12 months Insider sales History → $11.7M 26 trades by 11 insiders · 0% under pre-set plans
Net ▼ $11.5M net selling
Insider Date Trade Shares Price Value
Gallagher Kevin Charles Director October 30, 2026 Sell 370 $134.82 $49,883
Graves Greg M Director September 1, 2026 Buy 573 $139.60 $80,012
Peterman Tamara Director September 1, 2026 Buy 394 $139.60 $55,011
Shankar Ram Chief Financial Officer August 17, 2026 Sell 2,000 $151.61 $303,220
Terry Thomas S Chief Credit Officer August 17, 2026 Sell 5,713 $151.77 $867,062
Murphy Susan G Director August 6, 2026 Sell 475 $145.66 $69,188
Murphy Susan G Director August 6, 2026 Sell 902 $145.50 $131,241
Odgers David Carl Chief Accounting Officer August 5, 2026 Sell 145 $147.30 $21,358
Mason Phillip James President, Inst. Banking August 4, 2026 Sell 800 $147.00 $117,600
Newton Nikki Farentino President, Private Wealth Mgmt August 4, 2026 Sell 1,999 $148.60 $297,051
Newton Nikki Farentino President, Private Wealth Mgmt August 4, 2026 Sell 1 $148.72 $149
Wilson Uma Executive Vice President August 4, 2026 Sell 4,145 $148.00 $613,460

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 6 trades and filings

No trades in UMB Financial Corp disclosed in the last 12 months; 6 earlier trades on record.

  • Josh Gottheimer(D-NJ 5):Sale (partial), $1,001 - $15,000, traded April 9, 2025, filed May 14, 2025
  • Josh Gottheimer(D-NJ 5):Purchase, $1,001 - $15,000, traded May 22, 2024, filed June 8, 2024
  • Josh Gottheimer(D-NJ 5):Purchase, $1,001 - $15,000, traded December 20, 2023, filed January 7, 2024

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 26, 2027 estimated from the company's past filing pattern, not announced

  • October 27, 2026
  • July 28, 2026
  • April 28, 2026
  • January 27, 2026
  • October 28, 2025
  • July 29, 2025

Recent SEC filings

Data status

When each part of this page on UMB Financial Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

UMB Financial Corp in brief

What does UMB Financial Corp do?
UMB Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.
What is UMB Financial Corp's stock ticker?
UMB Financial Corp trades under the ticker UMBF on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is UMB Financial Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, UMB Financial Corp reported revenue of $3B, 27.3% higher than a year earlier, according to its SEC filings.
What is UMB Financial Corp's free cash flow?
UMB Financial Corp's free-cash-flow margin is 37.9% of revenue over the trailing twelve months.
Who are UMB Financial Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Umb Bank, N.A. and Vanguard Portfolio Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is UMB Financial Corp buying back stock, and does it pay a dividend?
UMB Financial Corp spent $38M on share repurchases over the trailing twelve months, and its diluted share count still rose 14.4% over the year.
What is UMB Financial Corp's market cap?
On November 2, 2026, UMB Financial Corp's market capitalisation was about $10.5B, with a price-to-earnings ratio of 10.2 and net debt of -$4.3B. Market figures come from third-party market data and may be delayed.
Does UMB Financial Corp pay a dividend?
Yes: UMB Financial Corp paid $163M in dividends over the trailing twelve months, a dividend yield of 1.56% and a payout ratio of 15.7%.
Who are UMB Financial Corp's competitors?
In our Regional Banks peer group, the companies closest to UMB Financial Corp are East West Bancorp Inc, Wintrust Financial Corp, OLD National Bancorp, Southstate Bank Corp and Popular, Inc. The side-by-side comparison below sets their revenue, margins and growth against UMB Financial Corp's.
Are insiders buying or selling UMB Financial Corp stock?
Over the last 12 months, UMB Financial Corp's directors and officers reported 6 open-market purchases and 26 sales on Form 4. The insider trading page charts every trade.
When is UMB Financial Corp's next earnings date?
Around January 26, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — UMB Financial Corp announces its own schedule.