UMB FINANCIAL CORP

UMBF

UMB FINANCIAL CORP

UMBF

Insider Sentiment (TTM):

Last Purchase:2026-02-02Last Sale:2026-06-10Shares Purchased (TTM):1,220.33Shares Sold (TTM):37,200

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:67,131,352Shares Outstanding:76,032,620Institutional Ownership Pct.:88.29%

Earnings Market Reaction:

Filing Date:2026-07-30Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Series B Preferred Stock	-	-	-	0	-	-	-	-	-	-	-	-
Assets
Notes Receivable Gross	41,150	40,134	38,779	37,707	36,808	35,936	25,642	24,991	24,197	23,638	23,172	22,882
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-226	-220	-221
Notes Receivable Net	40,712	39,708	38,360	37,302	36,418	35,567	25,383	24,742	23,958	23,411	22,953	22,660
Loans Receivable Held For Sale Net Not Part Of Dis…	7	4	2	3	6	5	3	5	4	4	4	3
Investments
Available For Sale Securities Debt Securities	13,488	13,661	13,709	13,378	12,163	10,896	7,774	7,016	7,107	6,541	7,069	6,331
Trading Securities	46	24	22	36	25	35	29	36	29	40	18	25
Other Investments	694	686	676	720	719	647	471	465	448	473	493	473
Investments	19,940	20,071	20,130	19,786	18,401	17,291	13,650	12,992	13,131	12,678	13,268	12,558
Federal Funds Sold And Securities Purchased Under …	928	1,525	1,548	765	737	636	545	399	247	180	245	248
Interest Bearing Deposits In Banks	4,951	5,655	6,941	7,892	10,026	9,812	7,986	6,602	4,640	6,673	5,160	3,556
Cash And Due From Banks	780	736	953	1,073	1,088	917	573	778	465	357	447	455
Property Plant And Equipment Net	397	391	398	399	395	391	222	222	227	232	242	249
Accrued Investment Income Receivable	347	343	350	332	327	308	246	219	238	221	220	209
Goodwill	1,838	1,838	1,840	1,835	1,813	1,798	207	207	207	207	207	207
Finite Lived Intangible Assets Net	440	463	487	511	532	557	64	66	67	69	71	73
Other Assets	1,915	1,940	2,086	1,983	2,017	2,064	1,530	1,265	1,284	1,310	1,194	1,246
Assets	72,256	72,674	73,094	71,881	71,760	69,347	50,410	47,496	44,469	45,343	44,012	41,465
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	16,177	17,042	17,143	16,188	18,481	18,432	13,617	12,841	12,035	13,251	12,131	11,255
Interest Bearing Deposit Liabilities	40,382	39,729	39,753	40,550	38,215	36,899	27,397	24,799	22,400	21,019	20,589	18,834
Deposits	59,767	59,981	60,657	60,136	59,987	58,521	43,142	39,703	36,518	36,914	35,793	33,432
Federal Funds Purchased And Securities Sold Under …	3,084	3,551	3,325	2,839	2,933	2,560	2,610	2,023	2,217	2,225	2,120	1,758
Short Term Borrowings	-	-	-	-	-	-	-	1,050	1,300	1,800	1,800	2,300
Long Term Debt	480	477	474	471	657	654	385	385	384	384	383	383
Accrued Liabilities Current And Noncurrent	361	310	435	453	390	352	368	387	353	375	390	319
Other Liabilities	534	529	509	538	508	511	438	413	470	493	426	467
Liabilities	64,225	64,847	65,401	64,437	64,474	62,599	46,943	43,961	41,242	42,191	40,911	38,658
Stockholders Equity
Preferred Stock Value	294	294	294	-	-	111	-	-	-	-	-	-
Common Stock Value	79	79	79	79	79	79	55	55	55	55	55	55
Additional Paid In Capital Common Stock	4,016	4,007	4,011	4,002	4,001	3,994	1,146	1,138	1,132	1,128	1,134	1,128
Retained Earnings Accumulated Deficit	4,198	3,959	3,736	3,560	3,410	3,225	3,175	3,075	2,984	2,903	2,811	2,759
Accumulated Other Comprehensive Income Loss Net Of…	-372	-331	-262	-325	-442	-493	-573	-396	-606	-595	-557	-792
Treasury Stock Value	-184	-180	-165	-165	-166	-167	-336	-337	-339	-339	-343	-344
Stockholders Equity	8,031	7,827	7,694	7,444	7,286	6,748	3,467	3,535	3,227	3,153	3,100	2,807
Liabilities And Stockholders Equity	72,256	72,674	73,094	71,881	71,760	69,347	50,410	47,496	44,469	45,343	44,012	41,465
Available For Sale Debt Securities Amortized Cost …	13,903	14,038	14,000	13,747	12,677	11,453	8,408	7,465	7,786	7,207	7,693	7,249
Debt Securities Held To Maturity Allowance For Cre…	4	3	2	2	4	5	3	3	3	4	3	3
Held To Maturity Securities Fair Value	5,239	5,173	5,250	5,120	4,961	5,107	4,749	4,914	4,913	5,025	5,183	4,856
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	-	-	0.01	-	-	-	-	-	-
Preferred Stock Shares Authorized	0	0	0	-	-	0	-	-	-	-	-	-
Preferred Stock Shares Issued	0	0	0	-	-	0	-	-	-	-	-	-
Preferred Stock Shares Outstanding	0	0	0	-	-	0	-	-	-	-	-	-
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	160	160	160	160	160	160	80	80	80	80	80	80
Common Stock Shares Issued	79	79	79	79	79	79	55	55	55	55	55	55
Shares Outstanding	76	76	76	76	76	76	49	49	49	49	49	49
Treasury Stock Common Shares	3	3	3	3	3	3	6	6	6	6	7	7

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	3.99%	5.81%	16.09%	-	-	-	-	-	-	-	-	-
2025	1.16%	0.70%	9.77%	10.55%	11.78%	-0.71%	1.22%	11.05%	13.96%	-11.54%	0.27%	1.13%
2024	0.28%	1.96%	21.47%	6.45%	9.60%	12.27%	13.92%	4.79%	9.33%	-5.43%	-15.45%	-1.09%
2023	-	-	-	-	-	-	14.51%	30.83%	25.41%	-0.74%	0.07%	3.08%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.43	-0.44	-0.53	-0.54	-0.53	-0.10	0.55	0.98	1.42	1.43	1.46	1.60
Per Share Metrics
Diluted EPS TTM	12.32	11.58	9.53	7.90	6.88	6.26	8.99	7.99	7.74	7.52	7.18	7.78
Free Cash Flow Per Share TTM	13.70	12.90	13.35	10.61	8.79	7.77	4.21	7.45	9.65	10.42	9.19	10.13
Dividend Per Share TTM	1.99	1.91	1.85	1.51	1.33	1.36	1.58	1.57	1.56	1.54	1.53	1.52
Margin Metrics
Gross Profit Margin TTM	58.91%	57.38%	55.52%	53.23%	51.13%	48.52%	46.10%	26.49%	26.37%	26.41%	28.13%	54.70%
Operating Profit Margin TTM	33.92%	31.96%	26.08%	24.80%	24.01%	20.95%	24.93%	22.59%	22.73%	22.76%	22.93%	27.19%
Net Profit Margin TTM	26.85%	25.39%	20.94%	19.95%	19.41%	17.18%	20.32%	18.56%	18.70%	18.86%	19.04%	22.19%
Growth Metrics
Net Revenue Growth (1Y)	29.73%	45.81%	54.50%	43.06%	33.26%	22.51%	18.07%	23.62%	31.85%	47.23%	61.64%	72.22%
Net Income Growth (1Y)	79.44%	115.58%	59.19%	53.76%	38.32%	11.54%	26.06%	3.40%	2.26%	-12.03%	-18.92%	-7.50%
EPS Growth (1Y)	79.33%	84.47%	5.93%	-1.24%	-11.20%	-16.57%	25.43%	2.87%	1.77%	-12.44%	-19.19%	-7.93%
Valuation Metrics
P/E TTM	11.53	9.66	11.91	14.74	15.01	15.75	12.20	12.75	10.42	11.13	11.14	7.60
P/B TTM	1.35	1.09	1.09	1.19	1.08	0.96	1.55	1.41	1.22	1.30	1.26	1.03
P/S TTM	3.10	2.45	2.49	2.94	2.91	2.70	2.48	2.37	1.95	2.10	2.12	1.69
Market Cap	10.85B	8.55B	8.37B	8.89B	7.87B	6.46B	5.38B	5.00B	3.95B	4.09B	3.90B	2.88B
Enterprise Value	5.72B	2.76B	1.07B	521.09M	-2.47B	-3.49B	-2.68B	-841.91M	618.73M	-666.36M	554.97M	1.64B
Calculated Values
Free Cash Flow TTM	1.04B	980.67M	978.11M	805.74M	667.28M	505.71M	205.28M	363.53M	470.35M	507.19M	445.69M	491.57M
Net Debt	-5.13B	-5.78B	-7.30B	-8.37B	-10.34B	-9.96B	-8.06B	-5.84B	-3.33B	-4.76B	-3.35B	-1.24B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-10Sale

Owner: Wilson, Uma

Title: Executive Vice President

Shares: 922

Price/Share: $133.05

Value: $122,672.10

Shares Owned: 24,415

Relationship: Officer

Ownership: Direct

2026-06-10Sale

Owner: Gallagher, Kevin Charles

Title: -

Shares: 381

Price/Share: $132.88

Value: $50,627.28

Shares Owned: 12,223

Relationship: Director

Ownership: Direct

2026-06-09Sale

Owner: Rine, James D

Title: President

Shares: 8,246

Price/Share: $132.86

Value: $1,095,563.56

Shares Owned: 61,446

Relationship: Officer

Ownership: Direct

2026-02-03Sale

Owner: Gallagher, Kevin Charles

Title: -

Shares: 388

Price/Share: $129.30

Value: $50,168.40

Shares Owned: 12,488

Relationship: Director

Ownership: Direct

2026-02-02Purchase

Owner: Graves, Greg M

Title: -

Shares: 220

Price/Share: $127.84

Value: $28,126.08

Shares Owned: 39,541

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-10	Wilson, Uma	Officer	Executive Vice President	Direct	Sale	922	133.05	$122,672.10	24,415	4
2026-06-10	Gallagher, Kevin Charles	Director	-	Direct	Sale	381	132.88	$50,627.28	12,223	4
2026-06-09	Rine, James D	Officer	President	Direct	Sale	8,246	132.86	$1,095,563.56	61,446	4
2026-02-03	Gallagher, Kevin Charles	Director	-	Direct	Sale	388	129.30	$50,168.40	12,488	4
2026-02-02	Graves, Greg M	Director	-	Direct	Purchase	220	127.84	$28,126.08	39,541	4
2026-02-02	Kemper, J Mariner	Director,Officer	Chairman and CEO	Direct	Sale	3,500	129.06	$451,710.00	318,350	4
2026-02-02	Peterman, Tamara	Director	-	Direct	Purchase	154	127.84	$19,688.64	10,102	4
2025-12-11	Rine, James D	Officer	President	Direct	Sale	3,487	119.03	$415,057.61	70,577	4
2025-12-08	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	15,367	114.58	$1,760,750.86	1,521,414	4
2025-11-10	Gallagher, Kevin Charles	Director	-	Direct	Sale	460	110.71	$50,926.60	12,090	4
2025-11-04	Newton, Nikki Farentino	Officer	President, Private Wealth Mgmt	Direct	Sale	1,300	106.09	$137,917.00	13,667	4
2025-11-03	Graves, Greg M	Director	-	Direct	Purchase	264	106.41	$28,125.23	38,411	4
2025-11-03	Peterman, Tamara	Director	-	Direct	Purchase	185	106.41	$19,687.98	9,128	4
2025-09-10	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	1,000	122.57	$122,570.00	8,000	4
2025-09-09	Wilson, Uma	Officer	Executive Vice President	Direct	Sale	282	123.11	$34,717.02	23,783	4
2025-09-03	Johnson, Shannon Andresen	Officer	Chief Administrative Officer	Direct	Sale	1,367	120.58	$164,832.86	34,124	4
2025-09-02	Peterman, Tamara	Director	-	Direct	Purchase	163	120.44	$19,687.12	8,912	4
2025-09-02	Graves, Greg M	Director	-	Direct	Purchase	234	120.44	$28,125.15	38,034	4
2025-08-27	Harris, Amy	Officer	EVP and Chief Legal Officer	Direct	Sale	500	122.02	$61,010.00	7,285	4
2025-08-25	Mason, Phillip James	Officer	President, Inst. Banking	Direct	Sale	750	120.97	$90,727.50	8,815	4
2025-08-22	King, Stacy H	Officer	Chief Risk Officer	Direct	Sale	1,500	118.79	$178,185.00	9,472	4
2025-08-13	Beaird, Robert Brian	Officer	Chief Human Resource Officer	Direct	Sale	1,205	116.17	$139,984.85	10,147	4
2025-08-13	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	15,523	116.33	$1,805,790.59	1,536,781	4
2025-08-05	Gallagher, Kevin Charles	Director	-	Direct	Sale	460	110.63	$50,889.80	12,550	4
2025-08-01	Graves, Greg M	Director	-	Direct	Purchase	261	107.58	$28,124.64	37,800	4
2025-08-01	Peterman, Tamara	Director	-	Direct	Purchase	183	107.58	$19,687.14	8,749	4
2025-06-02	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	5,412	101.82	$551,049.84	288,945	4
2025-05-13	Wilson, Uma	Officer	Executive Vice President	Direct	Sale	200	108.02	$21,604.00	24,609	4
2025-03-07	Newton, Nikki Farentino	Officer	President, Private Wealth Mgmt	Direct	Sale	1,000	102.44	$102,440.00	15,560	4
2025-03-03	Graves, Greg M	Director	-	Direct	Purchase	255	110.19	$28,124.90	37,288	4
2025-03-03	Peterman, Tamara	Director	-	Direct	Purchase	179	110.19	$19,687.65	8,500	4
2025-02-21	Kemper, J Mariner	Director,Officer	Chairman and CEO	Direct	Sale	3,500	108.72	$380,520.00	334,347	4
2025-02-03	Gallagher, Kevin Charles	Director	-	Direct	Sale	527	114.13	$60,146.51	13,010	4
2024-12-02	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	24,300	124.90	$3,035,070.00	1,552,304	4
2024-11-21	Beaird, Robert Brian	Officer	Chief Human Resource Officer	Direct	Sale	854	123.38	$105,366.52	5,828	4
2024-11-07	Newton, Nikki Farentino	Officer	President, Private Wealth Mgmt	Direct	Sale	1,200	124.56	$149,472.00	8,224	4
2024-11-07	Terry, Thomas S	Officer	Chief Credit Officer	Direct	Sale	3,959	124.16	$491,549.44	29,355	4
2024-11-06	Odgers, David Carl	Officer	Chief Accounting Officer	Direct	Sale	100	122.90	$12,290.00	4,342	4
2024-11-06	Rine, James D	Officer	President	Direct	Sale	6,255	122.35	$765,299.25	38,662	4
2024-11-01	Pauls, John	Officer	EVP & General Counsel	Direct	Sale	849	110.38	$93,712.62	6,483	4
2024-11-01	Peterman, Tamara	Director	-	Direct	Purchase	181	109.29	$19,733.40	7,616	4
2024-11-01	Graves, Greg M	Director	-	Direct	Purchase	258	109.29	$28,155.29	36,244	4
2024-11-01	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	24,300	109.00	$2,648,700.00	1,576,604	4
2024-10-01	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	24,300	101.94	$2,477,142.00	1,600,904	4
2024-09-06	Robbins, Kris A	Director	-	Direct	Sale	5,000	102.50	$512,500.00	3,211	4
2024-09-03	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	24,300	102.84	$2,499,012.00	1,625,204	4
2024-08-26	Shankar, Ram	Officer	Chief Financial Officer	Direct	Sale	2,000	103.88	$207,760.00	18,793	4
2024-08-23	Wilson, Uma	Officer	Executive Vice President	Direct	Sale	698	103.04	$71,921.92	16,445	4
2024-08-23	Terry, Thomas S	Officer	Chief Credit Officer	Direct	Sale	6,133	103.67	$635,808.11	33,314	4
2024-08-23	Rine, James D	Officer	President	Direct	Sale	7,315	100.47	$734,938.05	44,917	4
2024-08-23	Mason, Phillip James	Officer	President, Inst. Banking	Direct	Sale	574	103.12	$59,190.88	3,362	4
2024-08-22	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	1,000	97.85	$97,850.00	21,460	4
2024-08-19	Newton, Nikki Farentino	Officer	President, Private Wealth Mgmt	Direct	Sale	1,200	98.27	$117,924.00	9,424	4
2024-08-15	Johnson, Shannon Andresen	Officer	Chief Administrative Officer	Direct	Sale	521	97.17	$50,625.57	20,464	4
2024-08-15	King, Stacy H	Officer	Chief Risk Officer	Direct	Sale	1,500	96.38	$144,570.00	5,267	4
2024-08-06	Kemper, J Mariner	Director,Officer	Chairman and CEO	Direct	Sale	10,115	93.03	$940,998.45	257,796	4
2024-08-06	Pauls, John	Officer	EVP & General Counsel	Direct	Sale	1,623	92.97	$150,890.31	7,332	4
2024-08-02	Kemper, J Mariner	Director,Officer	Chairman and CEO	Direct	Sale	124	95.26	$11,812.24	257,796	4
2024-08-02	Beaird, Robert Brian	Officer	Chief Human Resource Officer	Direct	Sale	698	93.19	$65,046.62	6,682	4
2024-08-02	Harris, Amy	Officer	EVP and Chief Legal Officer	Direct	Sale	736	95.05	$69,956.80	2,899	4
2024-08-01	Peterman, Tamara	Director	-	Direct	Purchase	396	99.56	$39,376.98	7,407	4
2024-08-01	Graves, Greg M	Director	-	Direct	Purchase	565	99.55	$56,246.75	35,870	4
2024-08-01	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	9,217	97.42	$897,920.14	1,656,465	4
2024-07-03	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	8,100	84.00	$680,400.00	1,673,804	4
2024-07-01	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	8,450	83.33	$704,138.50	1,681,904	4
2024-06-03	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	2,000	81.40	$162,800.00	1,698,104	4
2024-05-14	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	2,100	83.85	$176,085.00	1,714,304	4
2024-05-01	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	2,302	80.72	$185,817.44	1,722,404	4
2024-04-01	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	11,170	85.32	$953,024.40	1,738,604	4
2024-03-28	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	1,440	86.60	$124,704.00	1,762,904	4
2024-03-13	Wendel, Abigail M	Officer	President - Consumer Banking	Direct	Sale	1,182	80.70	$95,387.40	15,217	4
2024-03-12	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	7,920	80.42	$636,926.40	1,771,004	4
2024-03-11	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	212	82.61	$17,513.32	22,460	4
2024-03-05	Rine, James D	Officer	President	Direct	Sale	2,500	83.83	$209,575.00	53,682	4
2024-02-09	Gallagher, Kevin Charles	Director	-	Direct	Sale	625	80.21	$50,131.25	12,859	4
2024-02-07	Pauls, John	Officer	EVP & General Counsel	Direct	Sale	1,440	79.51	$114,494.40	8,496	4
2024-02-02	Kemper, J Mariner	Director,Officer	Chairman and CEO	Direct	Sale	3,500	83.08	$290,780.00	252,114	4
2024-02-01	Graves, Greg M	Director	-	Direct	Purchase	284	81.73	$23,251.37	34,177	4
2024-02-01	Peterman, Tamara	Director	-	Direct	Purchase	216	81.73	$17,625.89	6,158	4
2023-12-14	Terry, Thomas S	Officer	Chief Credit Officer	Direct	Sale	2,558	83.81	$214,385.98	37,147	4
2023-12-14	Beaird, Robert Brian	Officer	Chief Human Resource Officer	Direct	Sale	895	83.80	$75,001.00	5,827	4
2023-12-08	Wilson, Uma	Officer	Executive Vice President	Direct	Sale	1,007	76.00	$76,532.00	14,489	4
2023-12-07	Johnson, Shannon Andresen	Officer	Chief Administrative Officer	Direct	Sale	1,036	75.83	$78,559.88	16,202	4
2023-12-04	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	804	75.56	$60,750.24	1,787,204	4
2023-11-17	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	1,631	73.47	$119,829.57	1,795,280	4
2023-11-16	Wendel, Abigail M	Officer	President - Consumer Banking	Direct	Sale	2,452	72.54	$177,868.08	12,859	4
2023-11-16	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	1,504	72.68	$109,310.72	1,836,728	4
2023-11-01	Graves, Greg M	Director	-	Direct	Purchase	370	62.78	$23,249.32	33,759	4
2023-11-01	Peterman, Tamara	Director	-	Direct	Purchase	281	62.78	$17,624.23	5,914	4
2023-09-01	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	400	65.21	$26,084.00	1,859,888	4
2023-08-31	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	700	63.97	$44,779.00	1,866,888	4
2023-08-30	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	3,738	63.74	$238,260.12	1,873,888	4
2023-08-29	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	4,481	64.05	$287,008.05	1,883,888	4
2023-08-28	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	600	64.42	$38,652.00	1,893,888	4
2023-08-25	Kemper, J Mariner	Director,Officer	Chairman and CEO	Indirect	Sale	4,280	63.75	$272,850.00	1,903,888	4
2023-08-01	Graves, Greg M	Director	-	Direct	Purchase	333	69.74	$23,249.92	33,043	4
2023-08-01	Peterman, Tamara	Director	-	Direct	Purchase	253	69.74	$17,624.69	5,566	4
2023-08-01	Newton, Nikki Farentino	Officer	President, Private Wealth Mgmt	Direct	Sale	1,300	68.83	$89,479.00	8,285	4
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Institutional Ownership

No data available for chart

2026-03-31

88.29%

Inst. Shares: 67,131,352

Shares Outstanding: 76,032,620

2025-12-31

94.33%

Inst. Shares: 69,107,983

Shares Outstanding: 73,259,082

2025-09-30

88.94%

Inst. Shares: 67,547,505

Shares Outstanding: 75,943,943

2025-06-30

88.29%

Inst. Shares: 67,035,083

Shares Outstanding: 75,923,082

2025-03-31

99.00%

Inst. Shares: 64,411,034

Shares Outstanding: 65,063,262

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	67,131,352	76,032,620	88.29%
2025-12-31	69,107,983	73,259,082	94.33%
2025-09-30	67,547,505	75,943,943	88.94%
2025-06-30	67,035,083	75,923,082	88.29%
2025-03-31	64,411,034	65,063,262	99.00%
2024-12-31	49,758,772	48,747,814	102.07%
2024-09-30	48,521,673	48,775,072	99.48%
2024-06-30	48,301,011	48,744,636	99.09%
2024-03-31	41,019,549	48,663,515	84.29%
2023-12-31	41,685,956	48,503,643	85.94%
2023-09-30	41,907,149	48,525,776	86.36%
2023-06-30	43,469,964	48,514,277	89.60%
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UMB FINANCIAL CORP (UMBF) — SEC Financial Statements & Analysis

UMB FINANCIAL CORP (UMBF) is a national commercial banks company, incorporated in MO. UMB FINANCIAL CORP trades on Nasdaq as: UMBF, UMBFO. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), UMB FINANCIAL CORP reported a 29.73% year-over-year revenue growth, a Gross Profit Margin of 58.91% (TTM), a Price-to-Sales (P/S) ratio of 3.10x (TTM), a Price-to-Book (P/B) ratio of 1.35x (TTM), at a market cap of $10.85B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 29.73%
Gross Profit Margin TTM: 58.91%
P/S TTM: 3.10x
P/B TTM: 1.35x
Market Cap: $10.85B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UMB FINANCIAL CORP in?

UMB FINANCIAL CORP (UMBF) operates in the National Commercial Banks industry.

What is UMBF's market cap?

UMB FINANCIAL CORP (UMBF) has a market capitalization of $10.85B as of 2026-06-30.

What is UMBF's P/E ratio?

UMB FINANCIAL CORP (UMBF)'s trailing twelve month P/E ratio is 11.53x as of 2026-06-30.

What exchange does UMBF trade on?

UMB FINANCIAL CORP (UMBF) trades on the Nasdaq.

Where is UMB FINANCIAL CORP incorporated?

UMB FINANCIAL CORP is incorporated in MO.