UMBF UMB Financial Corporation - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Apr 30, 2026UMBF Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
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| Ex-date | Split | Type |
|---|---|---|
| May 31, 2006 | 2-for-1 | Forward |
| Dec. 10, 2001 | 21-for-20 | Forward |
| Dec. 9, 1999 | 11-for-10 | Forward |
| Dec. 9, 1997 | 21-for-20 | Forward |
| Dec. 9, 1996 | 21-for-20 | Forward |
| Jan. 5, 1987 | 3-for-2 | Forward |
About UMB Financial Corporation - Common Stock Company overview from Wikipedia
UMB Financial Corporation is an American financial services company headquartered in Kansas City, Missouri. It offers comprehensive financial services, including deposit solutions like checking and savings accounts, credit services including home mortgages, auto loans, business loans and credit cards, as well as investing and wealth management. UMB serves individuals, companies and institutions across the U.S. and in Ireland.
UMB Financial is the parent company of UMB Bank, which ranks as one of America's Best Banks by Forbes and S&P Global Market Intelligence, based on eight financial measures of asset quality, capital adequacy and profitability. UMB operates banking and wealth management centers in Missouri, Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wisconsin.
History
In 1919, W.T. Kemper and Associates bought shares in City Center Bank, and R. Crosby Kemper became the president of the company. In 1926, the bank built a six-story headquarters, adding a drive-up service window in 1928. In 1934, the bank was renamed City National Bank and Trust Company and moved to Kansas City's financial center. In 1959, R. Crosby Kemper Jr. (a third generation banker from the Kemper family) became president of the bank and led the installation of its first computer processing system. City National acquired several other banks over the years as banking laws changed. In 1969, it reorganized as a holding company, Missouri Bancshares, which changed its name to United Missouri Bancshares (UMB) in 1971.
In 1987, UMB acquired FCB Corp. and its three banks in Southern Illinois. In 1992, UMB expanded into Colorado with the purchase of Valley Bank and National Bank of the West in Colorado Springs. UMB acquired Denver's Columbine National Bank in 1992, and in 1994, all of UMB's Colorado banks were merged into one entity, UMB Bank Colorado. To reflect its expansion outside of Missouri, UMB changed its name to the current UMB Financial Corporation in 1994. In 1995, UMB acquired Oklahoma Bank and its holding company, First Sooner Bancshares. That same year, UMB entered the online banking market in conjunction with Visa Interactive.
In 2001, UMB purchased Sunstone Financial Group Inc. and rebranded it to UMB Fund Services, Inc. It followed in 2002 with its purchase of State Street Bank & Trust Company of Missouri. In 2001 UMB also established Scout Investment Advisors Inc.
In February 2002, the UMB acquired naming rights to St. Louis' Riverport Amphitheatre and renamed it UMB Bank Pavilion. This agreement expired in 2006, after which Verizon Wireless purchased naming rights. In 2004, Peter deSilva became the president and Mariner Kemper became chairman and CEO of UMB Financial Corporation.
In June 2015, UMB acquired Marquette Financial Companies, which expanded its operations into the U.S states of Minnesota, Texas and Arizona.
In April 2017, the firm sold Reams Asset Management and Scouts Investments to Raymond James Financial for $172.5 million.
In December 2019, UMB had 91 branches located across eight U.S. states: Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona and Texas.
UMB acquired Heartland Financial in 2025, bringing it into five more states, including California, Minnesota, New Mexico, Iowa and Wisconsin (which used state and regional-focused brands for their ten banking divisions, all of which have taken the new UMB Bank name), and merged banking and marketing operations in full by the end of the year, with physical signage replaced with UMB branding in mid-October.
As of January 2026, UMB has 211 domestic locations in 14 states: Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wisconsin.
Lines of business
Accounts Receivable Financing
Commercial Banking and Lending
Healthcare Services: Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)
Institutional Banking and Lending
Personal Banking: Private Wealth Management and Consumer Banking
Small Business Banking
Transportation Finance
Subsidiaries
Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment adviser that manages the company's proprietary mutual funds and investment advisory accounts for institutional customers.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
10-Year Performance Revenue, net income, margins and EPS trends
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | UMBF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 14.15Y avg ≈12.1 | ≈12.1 | 11.7 | Undervalued | |
| P/S | 3.85Y avg ≈3.2 | ≈3.2 | 3.6 | Undervalued | |
| P/B (MRQ) | 1.35Y avg ≈1.4 | ≈1.4 | 1.1 | Fair value | |
| Price / FCF (TTM) | 10.15Y avg ≈12.3 | ≈12.3 | · | · | |
| Price / Cash Flow (TTM) | 9.75Y avg ≈11.3 | ≈11.3 | 10.3 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.45Y avg ≈1.6 | ≈1.6 | · | · | |
| PEG Ratio | ≈1.5 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | UMBF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 33.0%5Y avg ≈33.0% | ≈33.0% | 42.2% | Top tier | |
| Net Profit Margin | 26.5%5Y avg ≈26.9% | ≈26.9% | 32.8% | Top tier | |
| ROA | 1.1%5Y avg ≈0.98% | ≈0.98% | 1.2% | Weak | |
| ROE | 9.4%5Y avg ≈12.3% | ≈12.3% | 10.3% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | UMBF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 62.8%5Y avg ≈17.5% | ≈17.5% | · | · | |
| Revenue CAGR 3Y | 21.8%5Y avg ≈11.4% | ≈11.4% | · | · | |
| Revenue CAGR 5Y | 15.5% | · | · | · | |
| EPS YoY | 3.3%5Y avg ≈10.8% | ≈10.8% | · | · | |
| Net Income YoY | 59.2%5Y avg ≈22.4% | ≈22.4% | · | · | |
| EPS CAGR 3Y | 1.6%5Y avg ≈5.2% | ≈5.2% | · | · | |
| EPS CAGR 5Y | 9.4% | · | · | · | |
| Net Income CAGR 3Y | 17.6%5Y avg ≈10.7% | ≈10.7% | · | · | |
| Net Income CAGR 5Y | 19.6% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | UMBF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 10, 2026 | $0.50 | USD | ≈1.3% |
| Jun 10, 2026 | $0.43 | USD | ≈1.3% |
| Mar 10, 2026 | $0.43 | USD | ≈1.5% |
| Dec 10, 2025 | $0.43 | USD | ≈1.4% |
| Sep 10, 2025 | $0.40 | USD | ≈1.3% |
| Jun 10, 2025 | $0.40 | USD | ≈1.5% |
| Mar 10, 2025 | $0.40 | USD | ≈1.6% |
| Dec 10, 2024 | $0.40 | USD | ≈1.3% |
| Sep 10, 2024 | $0.39 | USD | ≈1.5% |
| Jun 10, 2024 | $0.39 | USD | ≈1.9% |
| Mar 8, 2024 | $0.39 | USD | ≈1.9% |
| Dec 8, 2023 | $0.39 | USD | ≈2.0% |
| Sep 8, 2023 | $0.38 | USD | ≈2.5% |
| Jun 9, 2023 | $0.38 | USD | ≈2.3% |
| Mar 9, 2023 | $0.38 | USD | ≈1.9% |
| Dec 9, 2022 | $0.38 | USD | ≈1.8% |
| Sep 9, 2022 | $0.37 | USD | ≈1.6% |
| Jun 9, 2022 | $0.37 | USD | ≈1.7% |
| Mar 9, 2022 | $0.37 | USD | ≈1.5% |
| Dec 9, 2021 | $0.37 | USD | ≈1.3% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 27, 2026 | $3.56 | $3.19 | 11.6% |
| March 31, 2026 | $3.35 | $2.86 | 17.3% | |
| Dec. 31, 2025 | $2.74 | $2.60 | 5.2% | |
| Sept. 30, 2025 | $2.36 | $2.50 | -5.5% | |
| June 30, 2025 | $2.82 | $2.44 | 15.4% | |
| March 31, 2025 | $1.94 | $2.24 | -13.3% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $919M | $224M | $46M | $77M | $192M | $122M | $58M | $28M | $19M | $14M | |
| Interest Income | $3.35B | $2.17B | $1.84B | $1.14B | $862M | $808M | $863M | $732M | $617M | $523M | $431M | $364M | |
| Pretax Income | $875M | $541M | $422M | $532M | $429M | $339M | $286M | $224M | $236M | $199M | $128M | $166M | |
| Income Tax | $173M | $100M | $72M | $100M | $76M | $52M | $42M | $27M | $53M | $45M | $32M | $45M | |
| Net Income | $702M | $441M | $350M | $432M | $353M | $287M | $244M | $196M | $247M | $159M | $116M | $121M | |
| EPS (Basic) | $9.35 | $9.05 | $7.22 | $8.93 | $7.31 | $5.95 | $4.99 | $3.97 | $5.02 | $3.25 | $2.46 | $2.69 | |
| EPS (Diluted) | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 | $4.96 | $3.93 | $4.96 | $3.22 | $2.44 | $2.65 | |
| Shares (Basic) | 73,259,082 | 48,747,814 | 48,503,643 | 48,340,922 | 48,271,462 | 48,137,791 | 48,779,263 | 49,334,937 | 49,223,661 | 48,828,313 | 47,126,252 | 44,844,578 | |
| Shares (Diluted) | 73,670,643 | 49,056,956 | 48,763,820 | 48,747,399 | 48,738,292 | 48,343,750 | 49,089,877 | 49,770,737 | 49,839,290 | 49,277,055 | 47,579,334 | 45,445,283 | |
| EBITDA | · | · | · | · | · | · | · | · | · | $-2M | $-3M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $7.77B | $8.45B | $5.53B | $1.56B | $9.21B | $3.50B | $1.67B | $1.67B | $1.72B | $1.06B | $819M | $1.79B | |
| PP&E (Net) | $398M | $222M | $242M | $264M | $271M | $293M | $300M | $284M | $276M | $289M | $281M | $258M | |
| PP&E (Gross) | $1.13B | $913M | $894M | $876M | $849M | $835M | $804M | $758M | $709M | $701M | $659M | $598M | |
| Goodwill | $1.84B | $207M | $207M | $207M | $175M | $181M | $181M | $181M | $181M | $181M | $228M | $210M | |
| Intangibles | $487M | $64M | $71M | $71M | $14M | $21M | $28M | $15M | $20M | $27M | $47M | $44M | |
| Total Assets | $73.09B | $50.41B | $44.01B | $38.51B | $42.69B | $33.13B | $26.56B | $23.35B | $21.77B | $20.68B | $19.09B | $17.50B | |
| Short-term Debt | · | · | $1.80B | · | · | · | · | · | · | · | $5M | · | |
| Total Liabilities | $65.40B | $46.94B | $40.91B | $35.85B | $39.55B | $30.11B | $23.95B | $21.12B | $19.59B | $18.72B | $17.20B | $15.86B | |
| Long-term Debt | $474M | $385M | $383M | $381M | $272M | $270M | $70M | $83M | $79M | $77M | $86M | $9M | |
| Total Debt | · | · | $1.80B | · | · | · | · | · | · | · | $5M | · | |
| Common Stock | $79M | $55M | $55M | $55M | $55M | $55M | $55M | $55M | $55M | $55M | $55M | $55M | |
| Retained Earnings | $3.74B | $3.17B | $2.81B | $2.54B | $2.18B | $1.89B | $1.67B | $1.49B | $1.34B | $1.14B | $1.03B | $964M | |
| Treasury Stock | $165M | $336M | $343M | $347M | $323M | $338M | $278M | $274M | $212M | $211M | $212M | $281M | |
| AOCI | $-262M | $-573M | $-557M | $-703M | $126M | $318M | $83M | $-96M | $-46M | $-58M | $-4M | $11M | |
| Stockholders' Equity | $7.69B | $3.47B | $3.10B | $2.67B | $3.15B | $3.02B | $2.61B | $2.23B | $2.18B | $1.96B | $1.89B | $1.64B | |
| Liabilities + Equity | $73.09B | $50.41B | $44.01B | $38.51B | $42.69B | $33.13B | $26.56B | $23.35B | $21.77B | $20.68B | $19.09B | $17.50B | |
| Shares Outstanding | 75,960,675 | 48,814,177 | 48,554,127 | 48,319,404 | 48,430,805 | 48,006,386 | 49,097,606 | 49,117,222 | 49,894,990 | 49,673,056 | 49,396,366 | 45,532,188 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $142M | $53M | $59M | $54M | $56M | $63M | $56M | $53M | $55M | $-2M | $-3M | $46M | |
| Stock-based Comp | $38M | $23M | $19M | $21M | $21M | $15M | $15M | $11M | $13M | $12M | $11M | $10M | |
| Deferred Tax | $83M | $-16M | $-20M | $-6M | $-13M | $-5M | $-153.0K | $-20M | $60M | $2M | $-645.0K | $-11M | |
| Amort. of Intangibles | $94M | $8M | $9M | $5M | $5M | $7M | $6M | $6M | $7M | $9M | $8M | $12M | |
| Other Non-cash | · | · | · | · | · | · | · | · | · | $125M | $92M | · | |
| Operating Cash Flow | $1.03B | $225M | $473M | $770M | $534M | $374M | $340M | $296M | $327M | $296M | $212M | $246M | |
| CapEx | $49M | $20M | $23M | $52M | $34M | $60M | $72M | $58M | $36M | $51M | $54M | $45M | |
| Investing Cash Flow | $-5.62B | $-3.26B | $-1.27B | $-3.85B | $-4.24B | $-4.49B | $-2.99B | $-1.75B | $-479M | $-1.50B | $-1.33B | · | |
| Debt Issued | · | · | · | $110M | · | $200M | $19M | $4M | $3M | $2M | $2M | $5M | |
| Net Debt Issued | $-200M | · | · | $110M | · | $200M | $14M | $2M | $1M | $-10M | $-8M | $4M | |
| Stock Issued | $235M | · | · | · | · | · | · | · | · | · | · | · | |
| Stock Repurchased | $18M | $8M | $8M | $32M | $6M | $64M | $4M | $77M | $15M | $16M | $8M | $6M | |
| Net Stock Activity | $218M | $-8M | $-8M | $-32M | $-6M | $-64M | $-4M | $-77M | $-15M | $-16M | $-8M | $-6M | |
| Dividends Paid | $136M | $77M | $74M | $72M | $67M | $60M | $59M | $58M | $52M | $49M | $46M | $41M | |
| Financing Cash Flow | $3.92B | $5.96B | $4.77B | $-4.58B | $9.42B | $5.95B | $2.64B | $1.41B | $804M | $1.45B | $150M | · | |
| Net Change in Cash | $-677M | $2.92B | $3.97B | $-7.66B | $5.72B | $1.83B | $-5M | $-42M | $652M | $245M | $-968M | $-795M | |
| Taxes Paid | $63M | $77M | $79M | $102M | $93M | $34M | $2M | $63M | $46M | · | · | · | |
| Free Cash Flow | $978M | $201M | $446M | $718M | $500M | $313M | $269M | $239M | $290M | $246M | $157M | $199M | |
| Levered FCF | · | · | $-317M | $536M | $463M | $248M | $106M | $132M | $245M | $224M | $144M | $189M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 26.5% | 27.1% | 23.9% | 29.4% | 27.5% | 22.2% | 22.2% | 19.3% | 25.1% | 16.4% | 13.2% | 14.2% | |
| Pretax Margin | 33.0% | 33.2% | 28.8% | 36.2% | 33.5% | 26.2% | 26.1% | 22.1% | 24.1% | 21.3% | 18.1% | 19.4% | |
| EBITDA Margin | · | · | · | · | · | · | · | · | · | -0.24% | -0.31% | · | |
| ROA | 1.1% | 0.93% | 0.85% | 1.1% | 0.93% | 0.96% | 0.98% | 0.87% | 1.2% | 0.80% | 0.63% | 0.70% | |
| ROE | 9.4% | 12.6% | 11.8% | 16.6% | 11.3% | 9.8% | 9.4% | 8.8% | 11.5% | 8.0% | 6.1% | 7.4% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | 0.6 | · | · | · | · | · | · | · | 0.0 | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $101.28 | $71.02 | $63.85 | $55.20 | $64.95 | $62.84 | $53.09 | $45.37 | $43.72 | $39.51 | $38.34 | $36.10 | |
| Revenue / Share | $36.00 | $33.21 | $29.98 | $30.11 | $26.32 | $26.71 | $22.36 | $20.34 | $19.71 | $19.71 | $18.46 | $18.68 | |
| Cash Flow / Share | $13.94 | $4.59 | $9.69 | $15.79 | $10.96 | $7.73 | $6.96 | $5.97 | $6.55 | $6.02 | $4.43 | $5.36 | |
| Cash / Share | $102.32 | $173.08 | $113.86 | $32.24 | $190.26 | $72.86 | $34.00 | $34.08 | $34.40 | $21.42 | $16.58 | $39.25 | |
| Dividend Paid / Share | $1.63 | $1.57 | $1.53 | $1.49 | $1.38 | $1.25 | $1.21 | $1.17 | $1.04 | $0.99 | $0.95 | $0.91 | |
| EPS (TTM) | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 | $4.96 | $3.93 | $4.96 | $3.22 | $2.44 | $2.65 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 62.8% | 11.4% | -0.41% | 14.4% | -0.67% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 21.8% | 8.3% | 4.2% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 15.5% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 3.3% | 25.2% | -19.0% | 22.4% | 22.1% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 1.6% | 7.5% | 6.6% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 9.4% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 59.2% | 26.1% | -18.9% | 22.3% | 23.2% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 17.6% | 7.7% | 6.9% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 19.6% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 17.6% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $2.65B | $1.63B | $1.46B | $1.47B | $1.28B | $1.29B | $1.10B | $1.01B | $982M | $898M | $783M | $849M | |
| Net Income TTM | $702M | $441M | $350M | $432M | $353M | $287M | $244M | $196M | $247M | $159M | $116M | $121M | |
| Market Cap | $8.74B | $5.51B | $4.06B | $4.04B | $5.14B | $3.31B | $3.37B | $2.99B | $3.59B | $3.83B | $2.30B | $2.59B | |
| Enterprise Value | · | · | $328M | · | · | · | · | · | · | · | $1.49B | · | |
| P/E | 12.4 | 12.6 | 11.6 | 9.4 | 14.7 | 11.6 | 13.8 | 15.5 | 14.5 | 24.0 | 19.1 | 21.5 | |
| P/S | 3.3 | 3.4 | 2.8 | 2.7 | 4.0 | 2.6 | 3.1 | 3.0 | 3.7 | 4.3 | 2.9 | 3.1 | |
| P/B | 1.1 | 1.6 | 1.3 | 1.5 | 1.6 | 1.1 | 1.3 | 1.3 | 1.6 | 2.0 | 1.2 | 1.6 | |
| P / Tangible Book | 1.6 | 1.7 | 1.4 | 1.7 | 1.7 | 1.2 | · | · | · | · | · | · | |
| P / Cash Flow | 8.5 | 24.5 | 8.6 | 5.2 | 9.6 | 8.9 | 9.9 | 10.1 | 11.0 | 12.9 | 10.9 | 10.6 | |
| P / FCF | 8.9 | 27.4 | 9.1 | 5.6 | 10.3 | 10.6 | 12.5 | 12.5 | 12.4 | 15.6 | 14.6 | 13.0 | |
| EV / EBITDA | · | · | · | · | · | · | · | · | · | · | -544.7 | · | |
| EV / FCF | · | · | 0.7 | · | · | · | · | · | · | · | 9.4 | · | |
| EV / Revenue | · | · | 0.2 | · | · | · | · | · | · | · | 1.9 | · | |
| Dividend Yield | 1.6% | 1.4% | 1.8% | 1.8% | 1.3% | 1.8% | 1.8% | 1.9% | 1.5% | 1.3% | 2.0% | 1.6% | |
| Earnings Yield | 8.1% | 8.0% | 8.6% | 10.6% | 6.8% | 8.6% | 7.2% | 6.5% | 6.9% | 4.2% | 5.2% | 4.7% | |
| Payout Ratio | 19.3% | 17.5% | 21.2% | 16.7% | 18.9% | 21.0% | 24.4% | 29.8% | 21.0% | 30.9% | 39.6% | 34.3% | |
| Annual Payout | $136M | $77M | $74M | $72M | $67M | $60M | $59M | $58M | $52M | $49M | $46M | $41M |
Income Statement
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | $293M | $281M | · | $250M | $236M | $167M | · | $67M | $24M | |
| Interest Income | $867M | $887M | $879M | $851M | $738M | $555M | $558M | $538M | $520M | $497M | $472M | $461M | $409M | $367M | $300M | $249M | |
| Pretax Income | $331M | $270M | $237M | $275M | $93M | $145M | $136M | $127M | $134M | $81M | $119M | $110M | $112M | $124M | $109M | $174M | |
| Income Tax | $70M | $55M | $48M | $58M | $12M | $25M | $26M | $26M | $24M | $10M | $23M | $20M | $19M | $24M | $21M | $36M | |
| Net Income | $261M | $215M | $188M | $217M | $81M | $120M | $110M | $101M | $110M | $71M | $97M | $90M | $92M | $100M | $88M | $138M | |
| EPS (Basic) | $3.36 | $2.91 | $2.38 | $2.84 | $1.22 | $2.45 | $2.25 | $2.08 | $2.27 | $1.46 | $1.99 | $1.86 | $1.91 | $2.07 | $1.82 | $2.85 | |
| EPS (Diluted) | $3.35 | $2.90 | $2.36 | $2.82 | $1.21 | $2.44 | $2.23 | $2.07 | $2.25 | $1.45 | $1.98 | $1.85 | $1.90 | $2.05 | $1.81 | $2.83 | |
| Shares (Basic) | 76,032,620 | · | 75,943,943 | 75,923,082 | 65,063,262 | · | 48,775,072 | 48,744,636 | 48,663,515 | · | 48,525,776 | 48,514,277 | 48,435,016 | · | 48,300,129 | 48,347,226 | |
| Shares (Diluted) | 76,399,233 | · | 76,366,818 | 76,241,798 | 65,496,058 | · | 49,078,497 | 48,974,265 | 48,920,863 | · | 48,762,696 | 48,668,413 | 48,746,562 | · | 48,648,804 | 48,673,964 |
Balance Sheet
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $6.26B | $7.77B | $8.84B | $11.00B | $10.61B | $8.45B | $7.28B | $5.02B | $6.94B | · | $3.93B | $3.74B | $3.52B | · | $2.01B | $2.12B | |
| PP&E (Net) | $391M | $398M | $399M | $395M | $391M | $222M | $222M | $227M | $232M | · | $249M | $255M | $261M | · | $261M | $258M | |
| PP&E (Gross) | · | $1.13B | · | · | · | $913M | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | $1.84B | $1.84B | $1.84B | $1.81B | $1.80B | $207M | $207M | $207M | $207M | $207M | $207M | $207M | $207M | $207M | $182M | $182M | |
| Intangibles | $463M | $487M | $511M | $532M | $557M | $64M | $66M | $67M | $69M | · | $73M | $75M | $76M | · | $13M | $14M | |
| Total Assets | $72.67B | $73.09B | $71.88B | $71.76B | $69.35B | $50.41B | $47.50B | $44.47B | $45.34B | · | $41.46B | $41.24B | $40.61B | · | $37.58B | $37.51B | |
| Short-term Debt | · | · | · | · | · | · | $1.05B | $1.30B | $1.80B | · | $2.30B | $1.80B | $2.80B | · | · | · | |
| Total Liabilities | $64.85B | $65.40B | $64.44B | $64.47B | $62.60B | $46.94B | $43.96B | $41.24B | $42.19B | · | $38.66B | $38.41B | $37.79B | · | $35.06B | $34.86B | |
| Long-term Debt | $477M | $474M | $471M | $657M | $654M | $385M | $385M | $384M | $384M | · | $383M | $382M | $382M | · | $382M | $273M | |
| Total Debt | · | · | · | · | · | · | $1.05B | $1.30B | $1.80B | · | $2.30B | $1.80B | $2.80B | · | · | · | |
| Common Stock | $79M | $79M | $79M | $79M | $79M | $55M | $55M | $55M | $55M | · | $55M | $55M | $55M | · | $55M | $55M | |
| Retained Earnings | $3.96B | $3.74B | $3.56B | $3.41B | $3.22B | $3.17B | $3.07B | $2.98B | $2.90B | · | $2.76B | $2.68B | $2.61B | · | $2.45B | $2.38B | |
| Treasury Stock | $180M | $165M | $165M | $166M | $167M | $336M | $337M | $339M | $339M | · | $344M | $344M | $344M | · | $347M | $347M | |
| AOCI | $-331M | $-262M | $-325M | $-442M | $-493M | $-573M | $-396M | $-606M | $-595M | · | $-792M | $-686M | $-627M | · | $-759M | $-565M | |
| Stockholders' Equity | $7.83B | $7.69B | $7.44B | $7.29B | $6.75B | $3.47B | $3.54B | $3.23B | $3.15B | $3.10B | $2.81B | $2.83B | $2.81B | $2.67B | $2.52B | $2.64B | |
| Liabilities + Equity | $72.67B | $73.09B | $71.88B | $71.76B | $69.35B | $50.41B | $47.50B | $44.47B | $45.34B | · | $41.46B | $41.24B | $40.61B | · | $37.58B | $37.51B | |
| Shares Outstanding | 75,977,250 | 75,960,675 | 75,953,713 | 75,927,002 | 75,917,456 | 48,814,177 | 48,797,672 | 48,745,090 | 48,743,348 | · | 48,529,097 | 48,517,750 | 48,507,116 | · | 48,309,638 | 48,305,286 |
Cash Flow
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $35M | $37M | $37M | $38M | $29M | $13M | $13M | $13M | $14M | $14M | $15M | $15M | $15M | $14M | $14M | $13M | |
| Stock-based Comp | $13M | $9M | $8M | $8M | $13M | $7M | $5M | $6M | $5M | $6M | $4M | $4M | $5M | $5M | $5M | $6M | |
| Deferred Tax | $21M | $58M | $1M | $7M | $17M | $-9M | $55.0K | $-4M | $-3M | $-9M | $-788.0K | $-7M | $-4M | $24.0K | $-7M | $2M | |
| Amort. of Intangibles | $23M | $25M | $25M | $25M | $17M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | |
| Operating Cash Flow | $361M | $106M | $272M | $285M | $363M | $-67M | $124M | $112M | $56M | $85M | $232M | $154M | $2M | $144M | $219M | $210M | |
| CapEx | $5M | $11M | $14M | $15M | $9M | $10M | $2M | $3M | $2M | $-28.0K | $6M | $8M | $9M | $17M | $17M | $8M | |
| Investing Cash Flow | $-1.35B | $-2.14B | $-2.14B | $-2.00B | $663M | $-1.72B | $-588M | $-1.11B | $158M | $-689M | $-145M | $-398M | $-42M | $-937M | $-389M | $-1.71B | |
| Debt Issued | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | · | · | |
| Net Debt Issued | · | · | · | · | $-11M | · | · | · | · | · | · | · | · | · | · | · | |
| Stock Issued | · | $0 | $0 | $0 | $235M | · | · | · | · | · | · | · | · | · | · | · | |
| Stock Repurchased | $33M | $79.0K | $2M | $290.0K | $15M | $0 | $201.0K | $0 | $8M | $271.0K | $194.0K | $0 | $8M | $191.0K | $0 | $9M | |
| Net Stock Activity | $-33M | · | · | · | $220M | · | · | · | $-8M | · | · | · | $-8M | · | · | · | |
| Dividends Paid | $40M | $41M | $33M | $32M | $30M | $20M | $19M | $20M | $19M | $19M | $18M | $18M | $18M | $18M | $18M | $18M | |
| Financing Cash Flow | $-522M | $967M | $-284M | $2.10B | $1.14B | $2.96B | $2.73B | $-925M | $1.20B | $2.21B | $100M | $460M | $2.01B | $340M | $64M | $-3.07B | |
| Net Change in Cash | $-1.51B | $-1.07B | $-2.15B | $386M | $2.16B | $1.17B | $2.26B | $-1.93B | $1.41B | $1.60B | $188M | $216M | $1.97B | $-453M | $-106M | $-4.57B | |
| Taxes Paid | $-1M | $10M | $33M | $19M | $2M | $854.0K | $20M | $55M | $1M | $12M | $18M | $48M | $2M | $22M | $25M | $54M | |
| Free Cash Flow | $357M | · | · | · | $354M | · | · | · | $54M | · | · | · | $-8M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $-177M | · | · | · | $-146M | · | · | · |
Profitability
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 35.4% | · | 27.8% | 31.5% | 14.4% | · | 27.0% | 26.0% | 27.7% | · | 27.2% | 24.8% | 24.9% | · | 24.3% | 34.3% | |
| Pretax Margin | 44.8% | · | 34.9% | 39.9% | 16.5% | · | 33.4% | 32.5% | 33.6% | · | 33.5% | 30.2% | 30.0% | · | 30.0% | 43.3% | |
| ROA | 0.37% | · | 0.32% | 0.37% | 0.14% | · | 0.25% | 0.24% | 0.26% | · | 0.24% | 0.23% | 0.23% | · | 0.23% | 0.37% | |
| ROE | 3.6% | · | 3.4% | 4.1% | 1.6% | · | 3.5% | 3.4% | 3.7% | · | 3.6% | 3.3% | 3.3% | · | 3.1% | 4.8% |
Liquidity & Solvency
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | · | · | 0.3 | 0.4 | 0.6 | · | 0.8 | 0.6 | 1.0 | · | · | · |
Efficiency
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $103.02 | · | $98.01 | $95.96 | $88.89 | · | $72.45 | $66.21 | $64.68 | · | $57.83 | $58.36 | $58.03 | · | $52.24 | $54.71 | |
| Revenue / Share | $9.68 | · | $8.88 | $9.04 | $8.61 | · | $8.27 | $7.96 | $8.15 | · | $7.29 | $7.47 | $7.63 | · | $7.45 | $8.24 | |
| Cash Flow / Share | $4.73 | · | · | · | $5.54 | · | · | · | $1.15 | · | · | · | $0.03 | · | · | · | |
| Cash / Share | $82.41 | · | $116.41 | $144.82 | $139.76 | · | $149.12 | $102.91 | $142.44 | · | $80.93 | $77.08 | $72.63 | · | $41.62 | $43.81 | |
| Dividend Paid / Share | $0.43 | $0.43 | $0.40 | $0.40 | $0.40 | $0.40 | $0.39 | $0.39 | $0.39 | $0.39 | $0.38 | $0.38 | $0.38 | $0.38 | $0.37 | $0.37 | |
| EPS (TTM) | $11.43 | · | $8.83 | · | $7.95 | · | $8.00 | $7.75 | $7.53 | · | $7.78 | $7.61 | $8.59 | · | $8.41 | $8.54 |
Valuation (TTM)
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $2.83B | · | $2.37B | · | $1.79B | · | $1.57B | $1.52B | $1.49B | · | $1.46B | $1.47B | $1.51B | · | $1.43B | $1.38B | |
| Net Income TTM | $883M | · | $607M | · | $412M | · | $392M | $379M | $368M | · | $379M | $371M | $418M | · | $410M | $416M | |
| Market Cap | $8.57B | · | $8.99B | $7.98B | $7.68B | · | $5.13B | $4.07B | $4.24B | · | $3.01B | $2.95B | $2.80B | · | $4.07B | $4.16B | |
| Enterprise Value | · | · | · | · | · | · | $-1.10B | $350M | $-903M | · | $1.38B | $1.02B | $2.08B | · | · | · | |
| P/E | 9.9 | · | 13.4 | · | 12.7 | · | 13.1 | 10.8 | 11.6 | · | 8.0 | 8.0 | 6.7 | · | 10.0 | 10.1 | |
| P/S | 3.0 | · | 3.8 | · | 4.3 | · | 3.3 | 2.7 | 2.8 | · | 2.1 | 2.0 | 1.9 | · | 2.9 | 3.0 | |
| P/B | 1.1 | · | 1.2 | 1.1 | 1.1 | · | 1.5 | 1.3 | 1.3 | · | 1.1 | 1.0 | 1.0 | · | 1.6 | 1.6 | |
| P / Tangible Book | 1.6 | · | 1.8 | 1.6 | 1.7 | · | 1.6 | 1.4 | 1.5 | · | 1.2 | 1.2 | 1.1 | · | 1.7 | 1.7 | |
| P / Cash Flow | 23.7 | · | · | · | 21.1 | · | · | · | 75.5 | · | · | · | 1650.8 | · | · | · | |
| EV / Revenue | · | · | · | · | · | · | -0.7 | 0.2 | -0.6 | · | 0.9 | 0.7 | 1.4 | · | · | · | |
| Dividend Yield | 1.7% | · | 1.3% | · | 1.1% | · | 1.5% | 1.9% | 1.8% | · | 2.5% | 2.5% | 2.6% | · | 1.8% | 1.7% | |
| Earnings Yield | 10.1% | · | 7.5% | · | 7.9% | · | 7.6% | 9.3% | 8.7% | · | 12.5% | 12.5% | 14.9% | · | 10.0% | 9.9% | |
| Payout Ratio | 15.2% | · | · | · | 37.0% | · | · | · | 17.2% | · | · | · | 19.9% | · | · | · | |
| Annual Payout | $145M | · | $115M | · | $88M | · | $77M | $76M | $75M | · | $74M | $73M | $73M | · | $72M | $72M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $702M | $441M | $350M | $432M | $353M |
| Diluted EPS | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | · | · | 0.6 | · | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $978M | $201M | $446M | $718M | $500M |
Institutional owners (13F) 506 filers · $10.9B total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 80 (-1 vs prior Q) | 48 (+23 vs prior Q) | 172 (+14 vs prior Q) | 143 (-6 vs prior Q) | +2.7M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $1,458,386,407 | 10,215,651 | 13.34% | Shares |
| VANGUARD GROUP INC | $884,056,401 | 7,684,774 | 8.09% | Shares |
| UMB Bank, n.a. | $667,397,718 | 4,674,963 | 6.11% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $601,465,439 | 4,213,123 | 5.50% | Shares |
| STATE STREET CORP | $591,787,841 | 4,133,285 | 5.42% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $446,887,053 | 3,130,338 | 4.09% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $432,681,984 | 3,030,849 | 3.96% | Shares |
| FMR LLC | $381,406,990 | 2,671,666 | 3.49% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $294,834,134 | 2,064,907 | 2.70% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $240,871,381 | 1,687,247 | 2.20% | Shares |
| NEUBERGER BERMAN GROUP LLC | $223,025,381 | 1,562,240 | 2.04% | Shares |
| EARNEST PARTNERS LLC | $177,369,307 | 1,242,430 | 1.62% | Shares |
| GOLDMAN SACHS GROUP INC | $177,277,844 | 1,241,789 | 1.62% | Shares |
| Allspring Global Investments Holdings, LLC | $166,908,783 | 1,145,958 | 1.53% | Shares |
| AMERICAN CENTURY COMPANIES INC | $149,315,726 | 1,045,921 | 1.37% | Shares |
| ALLIANCEBERNSTEIN L.P. | $146,695,238 | 1,300,605 | 1.34% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $137,710,007 | 964,626 | 1.26% | Shares |
| CITADEL ADVISORS LLC | $134,664,081 | 943,290 | 1.23% | Shares |
| MORGAN STANLEY | $134,054,606 | 939,019 | 1.23% | Shares |
| NORTHERN TRUST CORP | $132,322,674 | 926,889 | 1.21% | Shares |
| FIRST TRUST ADVISORS LP | $130,623,973 | 914,990 | 1.20% | Shares |
| BANK OF AMERICA CORP /DE/ | $129,152,529 | 904,683 | 1.18% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $128,543,673 | 900,418 | 1.18% | Shares |
| Nuveen, LLC | $109,019,991 | 763,660 | 1.00% | Shares |
| NORGES BANK | $100,691,769 | 705,322 | 0.92% | Shares |
| Clearbridge Investments, LLC | $99,878,389 | 699,624 | 0.91% | Shares |
| PRINCIPAL FINANCIAL GROUP INC | $99,194,789 | 694,836 | 0.91% | Shares |
| Global Alpha Capital Management Ltd. | $98,550,797 | 690,325 | 0.90% | Shares |
| Bank of New York Mellon Corp | $78,409,613 | 549,240 | 0.72% | Shares |
| JOHNSON INVESTMENT COUNSEL INC | $71,484,549 | 500,732 | 0.65% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $67,901,510 | 475,634 | 0.62% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $61,150,810 | 428,347 | 0.56% | Shares |
| Junto Capital Management LP | $58,923,762 | 412,747 | 0.54% | Shares |
| NEUMEIER POMA INVESTMENT COUNSEL LLC | $58,645,380 | 410,797 | 0.54% | Shares |
| SCHRODER INVESTMENT MANAGEMENT GROUP | $57,000,285 | 401,467 | 0.52% | Shares |
| CONGRESS ASSET MANAGEMENT CO | $56,625,272 | 396,647 | 0.52% | Shares |
| VAUGHAN NELSON INVESTMENT MANAGEMENT, L.P. | $52,005,611 | 364,287 | 0.48% | Shares |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | $50,399,276 | 353,035 | 0.46% | Shares |
| EMERALD ADVISERS, LLC | $49,350,233 | 345,687 | 0.45% | Shares |
| FRANKLIN RESOURCES INC | $48,625,485 | 340,610 | 0.44% | Shares |
| SYSTEMATIC FINANCIAL MANAGEMENT LP | $48,463,725 | 339,475 | 0.44% | Shares |
| NFJ INVESTMENT GROUP, LLC | $47,025,716 | 329,404 | 0.43% | Shares |
| RAYMOND JAMES FINANCIAL INC | $46,316,771 | 324,438 | 0.42% | Shares |
| JPMORGAN CHASE & CO | $43,970,495 | 306,503 | 0.40% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $41,817,751 | 295,887 | 0.38% | Shares |
| Azora Capital LP | $39,240,584 | 274,871 | 0.36% | Shares |
| Holocene Advisors, LP | $37,463,507 | 262,423 | 0.34% | Shares |
| FEDERATED HERMES, INC. | $36,539,136 | 255,948 | 0.33% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $36,291,020 | 254,210 | 0.33% | Shares |
| Fisher Asset Management, LLC | $34,712,664 | 243,154 | 0.32% | Shares |
Activists & 5%+ owners 6 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| J MARINER KEMPER ×2 filings | March 23, 2026 | 4.81% | Amendment | Capital structure | SEC |
| J. Mariner Kemper ×2 filings | April 30, 2024 | · | Initial filing | M&A / sale | SEC |
| Robert C. Pohlad, Trustee of the Revocable Trust of Robert C. Pohlad Created U/A dated 8/9/91, as Amended, William M. Pohlad, Trustee of the Revocable Trust of William M. Pohlad Created U/A dated 4/15/02, as Amended, James O. Pohlad, Trustee of the Revocable Trust of James O. Pohlad Created U/A dated 10/10/87, as Amended ×2 filings | Dec. 22, 2016 | · | Initial filing | · | SEC |
| IRS Identification Nos. of above persons (entities only) Thomas J. Wood III | Aug. 29, 2007 | · | Initial filing | · | SEC |
| Undisclosed reporting person | Dec. 23, 2004 | · | Initial filing | · | SEC |
| Undisclosed reporting person | June 17, 2004 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 92 insiders · 53 officers · 38 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| J. Mariner Kemper | Chairman and CEO | Feb. 11, 2026 F | 328,710 | 0 | 4 | $-4,168,790 |
| Andrew J Iseman | CEO of Subsidiary | March 14, 2017 F | 5,442 | 0 | 0 | $0 |
| Christian N Hoffman III | President & CEO of affiliate | Dec. 22, 2004 A | 316 | 0 | 0 | $0 |
| Crosby R Kemper III | Chairman & CEO | May 21, 2004 M | 9,597 | 0 | 0 | $0 |
| Ram Shankar | Chief Financial Officer | Feb. 11, 2026 F | 32,389 | 0 | 0 | $0 |
| Daniel C Stevens | CFO | Dec. 16, 2003 A | · | 0 | 0 | $0 |
| James D Rine | President | June 9, 2026 S | 61,446 | 0 | 3 | $-1,508,354 |
| Phillip James Mason | President, Inst. Banking | Feb. 11, 2026 F | 9,694 | 0 | 0 | $0 |
| Nikki Farentino Newton | President, Private Wealth Mgmt | Feb. 11, 2026 F | 13,981 | 0 | 1 | $-137,917 |
| Elizabeth Theresa Lewis | President - Consumer Banking | Feb. 9, 2026 F | 4,714 | 0 | 0 | $0 |
| Abigail M Wendel | President - Consumer Banking | March 13, 2024 M | 15,217 | 0 | 0 | $0 |
| Martin Dominic Karaba | President, Commercial Banking | Feb. 13, 2023 F | 8,284 | 0 | 0 | $0 |
| Michael D Hagedorn | President of Subsidiary | Oct. 3, 2018 S | 50,251 | 0 | 0 | $0 |
| Anthony J Fischer | President UMB Fund Services | Feb. 12, 2018 F | 7,260 | 0 | 0 | $0 |
| Peter J Desilva | President and COO | June 10, 2015 M | 111,091 | 0 | 0 | $0 |
| Craig L Anderson | President - Commercial Banking | Jan. 26, 2015 F | 17,905 | 0 | 0 | $0 |
| James A Sangster | President of Subsidiary | Jan. 22, 2013 F | 35,221 | 0 | 0 | $0 |
| Royce M Hammons | President of Oklahoma Region | Jan. 11, 2005 M | 1,076 | 0 | 0 | $0 |
| John Zader | EVP and COO of subsidiary | March 12, 2014 M | 13,975 | 0 | 0 | $0 |
| Uma Wilson | Executive Vice President | June 10, 2026 M | 24,415 | 0 | 1 | $-122,672 |
| Amy Harris | EVP and Chief Legal Officer | Feb. 11, 2026 F | 7,849 | 0 | 0 | $0 |
| David Carl Odgers | Chief Accounting Officer | Feb. 11, 2026 F | 6,648 | 0 | 0 | $0 |
| Robert Brian Beaird | Chief Human Resource Officer | Feb. 11, 2026 F | 10,543 | 0 | 0 | $0 |
| Shannon Andresen Johnson | Chief Administrative Officer | Feb. 11, 2026 F | 34,775 | 0 | 0 | $0 |
| Thomas S Terry | Chief Credit Officer | Feb. 11, 2026 F | 36,402 | 0 | 0 | $0 |
| Stacy H King | Chief Risk Officer | Dec. 31, 2025 F | 8,955 | 0 | 0 | $0 |
| John Pauls | EVP & General Counsel | Dec. 11, 2024 G | 6,183 | 0 | 0 | $0 |
| James Cornelius | Executive Vice President | Feb. 15, 2023 S | 6,468 | 0 | 0 | $0 |
| Walker J Brian | Chief Accounting Officer | Jan. 27, 2020 F | 3,074 | 0 | 0 | $0 |
| Jennifer M Payne | Sr. Vice President | Nov. 1, 2019 M | 9,288 | 0 | 0 | $0 |
| Dana H Abraham | Executive Vice President | Feb. 13, 2019 A | 11,268 | 0 | 0 | $0 |
| Jay Benjamin Morris | Executive Vice President | Feb. 13, 2019 A | 9,412 | 0 | 0 | $0 |
| Christian R Swett | EVP/Chief Credit Officer | Feb. 12, 2018 F | 9,356 | 0 | 0 | $0 |
| Scott A Stengel | EVP and General Counsel | Feb. 5, 2016 A | 7,264 | 0 | 0 | $0 |
| David D King | EVP/Chief Risk Officer | Dec. 1, 2015 M | 9,646 | 0 | 0 | $0 |
| Christine L Pierson | EVP of Subsidiary | Jan. 26, 2015 F | 9,075 | 0 | 0 | $0 |
| Daryl S Hunt | EVP of Subsidiary | Jan. 26, 2015 F | 9,686 | 0 | 0 | $0 |
| Lawrence G Smith | Executive Vice President | Jan. 26, 2015 F | 6,347 | 0 | 0 | $0 |
| Clyde F Wendel | Vice Chairman of Subsidiary | Jan. 17, 2014 F | 11,216 | 0 | 0 | $0 |
| Dennis R Rilinger | EVP and General Counsel | Jan. 17, 2014 F | 14,374 | 0 | 0 | $0 |
| Stephen M Kitts | EVP of Subsidiary | Jan. 22, 2013 F | 4,684 | 0 | 0 | $0 |
| Douglas F Page | EVP of Subsidiary | Jan. 22, 2013 F | 50,895 | 0 | 0 | $0 |
| Bradley J Smith | EVP of Subsidiary | April 19, 2011 F | 8,800 | 0 | 0 | $0 |
| Peter J Genovese | Vice Chairman | April 19, 2010 F | 24,518 | 0 | 0 | $0 |
| James C Thompson JR | EVP of Subsidiary | Jan. 21, 2008 F | 8,992 | 0 | 0 | $0 |
| Christopher G Treece | Sr VP and Controller | Dec. 13, 2006 A | · | 0 | 0 | $0 |
| Joseph J Gazzoli | EVP - Subsidiary | April 19, 2006 A | 2,561 | 0 | 0 | $0 |
| Vincent J Ciavardini | Vice Chairman | April 19, 2006 A | 3,298 | 0 | 0 | $0 |
| Mark A Schmidtlein | Vice Chairman - Subsidiary | Oct. 28, 2005 M | 5,063 | 0 | 0 | $0 |
| Darren D Herrmann | Sr. Vice President - Treasurer | Dec. 22, 2004 A | · | 0 | 0 | $0 |
| Shella Kemper Dietrich | Executive Vice President | May 17, 2004 M | 14,677 | 0 | 0 | $0 |
| Dennis G Powell | EVP - Subsidiary | Dec. 16, 2003 A | · | 0 | 0 | $0 |
| James D Matteoni | Chief Information Officer | Dec. 16, 2003 A | · | 0 | 0 | $0 |
| Kevin Charles Gallagher | Director | June 10, 2026 S | 12,223 | 0 | 3 | $-151,722 |
| Brad J. Henderson | Director | May 1, 2026 A | 1,821 | 0 | 0 | $0 |
| Margaret Lazo | Director | May 1, 2026 A | 4,562 | 0 | 0 | $0 |
| Janine Davidson | Director | May 1, 2026 A | 4,942 | 0 | 0 | $0 |
| Tamara Peterman | Director | May 1, 2026 A | 10,255 | 2 | 0 | $39,373 |
| Jennifer K Hopkins | Director | May 1, 2026 A | 6,816 | 0 | 0 | $0 |
| Susan G Murphy | Director | May 1, 2026 A | 12,012 | 0 | 0 | $0 |
| Lansford E. Gordon | Director | May 1, 2026 A | 8,864 | 0 | 0 | $0 |
| Timothy R. Murphy | Director | May 1, 2026 A | 27,576 | 0 | 0 | $0 |
| Leroy James Williams Jr | Director | May 1, 2026 A | 7,696 | 0 | 0 | $0 |
| Greg M Graves | Director | May 1, 2026 A | 39,786 | 2 | 0 | $56,217 |
| Joshua L Sosland | Director | May 1, 2026 A | 14,612 | 0 | 0 | $0 |
| Kris A Robbins | Director | May 1, 2026 A | 4,791 | 0 | 0 | $0 |
| Robin C Beery | Director | May 1, 2026 A | 8,259 | 0 | 0 | $0 |
| John K Schmidt | Director | May 1, 2026 A | 33,370 | 0 | 0 | $0 |
| Alexander C Kemper | Director | Jan. 27, 2023 A | 9,279 | 0 | 0 | $0 |
| Paul Uhlmann III | Director | Jan. 29, 2021 A | 16,835 | 0 | 0 | $0 |
| Dylan Taylor | Director | Feb. 1, 2019 A | 1,389 | 0 | 0 | $0 |
| Terrence P Dunn | Director | Jan. 27, 2017 A | 18,382 | 0 | 0 | $0 |
| Thomas D Sanders | Director | Jan. 30, 2015 A | 6,956 | 0 | 0 | $0 |
| Thomas J Wood III | Director | Jan. 30, 2015 A | 508,744 | 0 | 0 | $0 |
| Warner L Baxter | Director | Jan. 30, 2015 A | 1,329 | 0 | 0 | $0 |
| David R Bradley JR | Director | Jan. 31, 2014 A | 15,883 | 0 | 0 | $0 |
| John H Mize JR | Director | Jan. 27, 2012 A | 2,400 | 0 | 0 | $0 |
| Theodore M Armstrong | Director | Jan. 27, 2011 A | 5,964 | 0 | 0 | $0 |
| Jon Wefald DR | Director | May 1, 2009 P | 10,100 | 0 | 0 | $0 |
| Richard Harvey | Director | Jan. 24, 2008 A | 864 | 0 | 0 | $0 |
| Michael J Chesser | Director | Jan. 25, 2007 A | 211 | 0 | 0 | $0 |
| Alan H Bell | Director | Dec. 14, 2004 S | 52,443 | 0 | 0 | $0 |
| Thomas E Beal | Director | Dec. 1, 2004 S | 15,118 | 0 | 0 | $0 |
| Alan W Rolley | Director | Nov. 12, 2004 G | 146,064 | 0 | 0 | $0 |
| Jack E Webster JR | Director | May 11, 2004 G | 59,289 | 0 | 0 | $0 |
| William L Bishop | Director | Sept. 30, 2003 P | 405 | 0 | 0 | $0 |
| Mary Lynn Oliver | Director | Aug. 11, 2003 S | 83,928 | 0 | 0 | $0 |
| Crosby R Kemper JR | 10% owner | Nov. 26, 2012 S | 395,989 | 0 | 0 | $0 |
| Kevin M Macke | · | March 11, 2021 M | 8,576 | 0 | 0 | $0 |
| Nancy Buese | · | Jan. 27, 2017 A | 5,885 | 0 | 0 | $0 |
| Terry W D'Amore | · | Jan. 22, 2013 F | 12,390 | 0 | 0 | $0 |
| Herman R Sutherland | · | Aug. 11, 2003 P | 2,536 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 73 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| CSMD · Professionally Managed Portfolios | 2.22% | 69,028 NS | July 31, 2026 | N-PORT |
| IAT · iShares Trust | 1.66% | 77,519 SH | Sept. 11, 2026 | Daily |
| EPSV · Harbor ETF Trust | 1.58% | 659 NS | July 31, 2026 | N-PORT |
| XMVM · Invesco Exchange-Traded Fund Trust | 1.17% | 44,511 SH | Oct. 1, 2026 | Daily |
| SDVD · First Trust Exchange-Traded Fund IV | 0.98% | 60,965 NS | July 31, 2026 | N-PORT |
| DPST · Direxion Shares ETF Trust | 0.93% | 27,387 NS | July 31, 2026 | N-PORT |
| VAMO · Cambria ETF Trust | 0.91% | 6,768 NS | July 31, 2026 | N-PORT |
| PGF · Invesco Exchange-Traded Fund Trust | 0.64% | 150,621 | Oct. 1, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.62% | 59,158 SH | Aug. 19, 2026 | Daily |
| IVOV · VANGUARD ADMIRAL FUNDS | 0.59% | 61,319 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.42% | 239,223 NS | July 31, 2026 | N-PORT |
| EBIT · Harbor ETF Trust | 0.40% | 326 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.35% | 7,052 SH | Oct. 1, 2026 | Daily |
| RSSL · Global X Funds | 0.35% | 35,377 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.34% | 1,907,714 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.33% | 328,287 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.32% | 424,997 SH | Aug. 19, 2026 | Daily |
| PGX · Invesco Exchange-Traded Fund Trust … | 0.32% | 444,711 | Oct. 1, 2026 | Daily |
| QVMM · Invesco Exchange-Traded Fund Trust … | 0.31% | 9,529 SH | Oct. 1, 2026 | Daily |
| PTMC · Pacer Funds Trust | 0.29% | 7,905 NS | July 31, 2026 | N-PORT |
| FNK · First Trust Exchange-Traded AlphaDE… | 0.29% | 4,539 NS | July 31, 2026 | N-PORT |
| IVOO · VANGUARD ADMIRAL FUNDS | 0.28% | 115,446 SH | Aug. 19, 2026 | Daily |
| BKMC · BNY Mellon ETF Trust | 0.28% | 12,298 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.26% | 54,517 SH | Oct. 1, 2026 | Daily |
| FNX · First Trust Exchange-Traded AlphaDE… | 0.23% | 21,645 NS | July 31, 2026 | N-PORT |
| FSMD · FIDELITY COVINGTON TRUST | 0.22% | 38,603 NS | July 31, 2026 | N-PORT |
| MIDU · Direxion Shares ETF Trust | 0.22% | 1,048 NS | July 31, 2026 | N-PORT |
| BBMC · J.P. Morgan Exchange-Traded Fund Tr… | 0.22% | 30,070 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.21% | 223,823 NS | July 31, 2026 | N-PORT |
| VBR · VANGUARD INDEX FUNDS | 0.21% | 995,423 SH | Aug. 19, 2026 | Daily |
| ESML · iShares Trust | 0.18% | 35,271 SH | Sept. 11, 2026 | Daily |
| JPSE · J.P. Morgan Exchange-Traded Fund Tr… | 0.17% | 6,909 NS | July 31, 2026 | N-PORT |
| RWK · Invesco Exchange-Traded Fund Trust … | 0.17% | 16,140 SH | Oct. 1, 2026 | Daily |
| PFF · iShares Trust | 0.15% | 738,426 SH | Sept. 11, 2026 | Daily |
| VFVA · VANGUARD WELLINGTON FUND | 0.15% | 9,146 SH | Aug. 19, 2026 | Daily |
| IYG · iShares Trust | 0.14% | 21,680 SH | Sept. 11, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.12% | 819,530 SH | Aug. 19, 2026 | Daily |
| VB · VANGUARD INDEX FUNDS | 0.12% | 1,568,242 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.12% | 117,798 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.12% | 19,001 NS | July 31, 2026 | N-PORT |
| VRP · Invesco Exchange-Traded Fund Trust … | 0.11% | 126,162 | Oct. 1, 2026 | Daily |
| WSML · iShares Trust | 0.10% | 4,692 SH | Sept. 11, 2026 | Daily |
| TILT · FlexShares Trust | 0.09% | 14,220 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.09% | 3,408 NS | July 31, 2026 | N-PORT |
| FAB · First Trust Exchange-Traded AlphaDE… | 0.09% | 1,003 NS | July 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.06% | 60,978 SH | Sept. 11, 2026 | Daily |
| DFUV · Dimensional ETF Trust | 0.06% | 62,374 NS | July 31, 2026 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.05% | 6,327 SH | Aug. 19, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.05% | 11,027 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.05% | 154,524 NS | July 31, 2026 | N-PORT |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.04% | 403,481 SH | Aug. 19, 2026 | Daily |
| VYM · VANGUARD WHITEHALL FUNDS | 0.04% | 287,358 SH | Aug. 19, 2026 | Daily |
| PFM · Invesco Exchange-Traded Fund Trust | 0.04% | 2,163 SH | Oct. 1, 2026 | Daily |
| IUSV · iShares Trust | 0.03% | 62,701 SH | Sept. 11, 2026 | Daily |
| DGRO · iShares Trust | 0.03% | 84,400 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.03% | 4,083 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.02% | 18,291 NS | July 31, 2026 | N-PORT |
| ESGV · VANGUARD WORLD FUND | 0.02% | 16,265 SH | Aug. 19, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.02% | 22,136 NS | July 31, 2026 | N-PORT |
| IYY · iShares Trust | 0.01% | 3,115 SH | Sept. 11, 2026 | Daily |
| IWV · iShares Trust | 0.01% | 20,081 SH | Sept. 11, 2026 | Daily |
| ITOT · iShares Trust | 0.01% | 93,308 SH | Sept. 11, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.01% | 2,171,351 SH | Aug. 19, 2026 | Daily |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0.01% | 69,406 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.01% | 6,120 SH | Aug. 19, 2026 | Daily |
| SMDX · Tidal Trust III | 0.01% | 59 NS | July 31, 2026 | N-PORT |
| IJH · iShares Trust | · | 2,505,769 SH | Sept. 11, 2026 | Daily |
| IJJ · iShares Trust | · | 364,172 SH | Aug. 31, 2026 | Daily |
| IWN · iShares Trust | · | 640,304 SH | Sept. 11, 2026 | Daily |
| XJH · iShares Trust | · | 9,757 SH | Sept. 8, 2026 | Daily |
| ISCB · iShares Trust | · | 3,090 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 15,302 SH | Sept. 11, 2026 | Daily |
| SMLF · iShares Trust | · | 40,004 SH | Sept. 11, 2026 | Daily |
UMBF Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
12-Month Price Target
16 analysts · 2026-09-27Mean target $169.12 +29.2%
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| UMBF | $8.74B | 12.4 | 62.8% | 26.5% | 9.4% | · |
| PNFP | $7.41B | 11.8 | 18.3% | 31.2% | 9.5% | · |
| FHN | $11.59B | 12.8 | 7.2% | 28.7% | 11.1% | · |
| WTFC | $9.36B | 12.3 | 5.9% | 310.1% | 11.4% | · |
| ZION | $8.64B | 9.7 | 3.6% | 135.8% | 13.1% | · |
| SSB | $9.33B | 12.0 | 56.1% | 29.8% | 8.9% | · |
| CFR | · | 12.8 | 8.3% | 29.0% | 14.8% | · |
| ONB | $8.69B | 12.5 | · | 26.5% | 8.1% | · |
| WAL | · | 9.6 | 99.7% | 713.6% | 13.5% | · |
| COLB | $8.26B | 12.2 | 18.8% | 310.7% | 8.5% | · |
| PB | $6.43B | 12.1 | 4.8% | 43.4% | 7.1% | · |
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