UMBFO UMB Financial Corporation - Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B
About UMB Financial Corporation - Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B 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.
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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 ↗
UMBFO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
UMBFO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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?
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Financial Health Debt, liquidity, solvency — balance sheet strength
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Dividends Yield, payout ratio, dividend history, 5Y CAGR
| Ex-date | Amount |
|---|---|
| June 30, 2026 | $0.4840 |
| March 31, 2026 | $0.4840 |
| Dec. 31, 2025 | $0.4840 |
| Sept. 30, 2025 | $0.6600 |
UMBFO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
- Strong Buy 4 21.1%
- Buy 12 63.2%
- Hold 3 15.8%
- Sell 0 0.0%
- Strong Sell 0 0.0%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $3.56 | $3.19 | 0.37% |
| March 31, 2026 | $3.35 | $2.86 | 0.49% |
| Dec. 31, 2025 | $2.74 | $2.60 | 0.14% |
| Sept. 30, 2025 | $2.36 | $2.50 | -0.14% |
| June 30, 2025 | $2.82 | $2.44 | 0.38% |
| March 31, 2025 | $1.94 | $2.24 | -0.30% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| UMBFO | — | — | — | — | — | — |
| EWBC | $15.46B | 11.8 | 12.2% | 45.2% | 15.5% | — |
| PNFP | $7.41B | 11.8 | 18.3% | 31.2% | 9.5% | — |
| WBS | — | 10.7 | 11.9% | — | — | — |
| FHN | $11.59B | 12.8 | 7.2% | 28.7% | 11.1% | — |
| UMBF | $8.74B | 12.4 | 62.8% | 26.5% | 9.4% | — |
| SSB | $9.33B | 12.0 | 56.1% | 29.8% | 8.9% | — |
| WTFC | $9.36B | 12.3 | 5.9% | 310.1% | 11.4% | — |
| CFR | — | 12.8 | 8.3% | 29.0% | 14.8% | — |
| ONB | $8.69B | 12.5 | — | 26.5% | 8.1% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 8
| Metric | Trend | Q2 2026 |
|---|---|---|
| Interest Income | $871M | |
| Pretax Income | $350M | |
| Income Tax | $73M | |
| Net Income | $278M | |
| EPS (Basic) | $3.58 | |
| EPS (Diluted) | $3.56 | |
| Shares (Basic) | 75,972,781 | |
| Shares (Diluted) | 76,392,233 |
Balance Sheet 14
| Metric | Trend | Q2 2026 |
|---|---|---|
| Cash & Equivalents | $5.61B | |
| PP&E (Net) | $397M | |
| Goodwill | $1.84B | |
| Intangibles | $440M | |
| Total Assets | $72.26B | |
| Total Liabilities | $64.22B | |
| Long-term Debt | $480M | |
| Common Stock | $79M | |
| Retained Earnings | $4.20B | |
| Treasury Stock | $184M | |
| AOCI | $-372M | |
| Stockholders' Equity | $8.03B | |
| Liabilities + Equity | $72.26B | |
| Shares Outstanding | 75,947,552 |
Cash Flow 12
| Metric | Trend | Q2 2026 |
|---|---|---|
| D&A | $35M | |
| Stock-based Comp | $9M | |
| Deferred Tax | $-3M | |
| Amort. of Intangibles | $23M | |
| Operating Cash Flow | $349M | |
| CapEx | $18M | |
| Investing Cash Flow | $-276M | |
| Stock Repurchased | $5M | |
| Dividends Paid | $39M | |
| Financing Cash Flow | $-724M | |
| Net Change in Cash | $-651M | |
| Taxes Paid | $85M |
Profitability 4
| Metric | Trend | Q2 2026 |
|---|---|---|
| Net Margin | 35.7% | |
| Pretax Margin | 45.0% | |
| ROA | 0.39% | |
| ROE | 3.6% |
Efficiency 1
| Metric | Trend | Q2 2026 |
|---|---|---|
| Asset Turnover | 0.0 |
Valuation (TTM) 8
| Metric | Trend | Q2 2026 |
|---|---|---|
| Revenue TTM | $2.88B | |
| Net Income TTM | $945M | |
| Market Cap | $2.00B | |
| P/E | 2.2 | |
| P/S | 0.7 | |
| P/B | 0.2 | |
| P / Tangible Book | 0.3 | |
| Earnings Yield | 45.9% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
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Institutional owners (13F) 3 filers · $40K total · As of June 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 |
|---|---|---|---|---|
| 1 (0 vs prior Q) | 0 (-2 vs prior Q) | 1 (+1 vs prior Q) | 1 (+1 vs prior Q) | +1K |
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 |
|---|---|---|---|---|
| THURSTON, SPRINGER, MILLER, HERD & TITAK, INC. | $26,370 | 1,000 | 66.67% | Shares |
| First Command Advisory Services, Inc. | $8,728 | 325 | 22.07% | Shares |
| PNC Financial Services Group, Inc. | $4,457 | 169 | 11.27% | Shares |
Company insiders 11 insiders · 6 officers · 1 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Ram Shankar | Chief Financial Officer | Aug. 17, 2026 S | 30,389 | 0 | 1 | $-303,220 |
| Phillip James Mason | President, Inst. Banking | Aug. 4, 2026 S | 8,894 | 0 | 1 | $-117,600 |
| Nikki Farentino Newton | President, Private Wealth Mgmt | Aug. 4, 2026 S | 11,981 | 0 | 2 | $-297,200 |
| Thomas S Terry | Chief Credit Officer | Aug. 17, 2026 S | 30,689 | 0 | 1 | $-867,062 |
| Uma Wilson | Executive Vice President | Aug. 4, 2026 S | 20,270 | 0 | 1 | $-613,460 |
| Robert Brian Beaird | Chief Human Resource Officer | July 31, 2026 S | 8,943 | 0 | 1 | $-231,040 |
| Kevin Charles Gallagher | Director | July 31, 2026 S | 11,863 | 0 | 1 | $-52,247 |
| Susan G Murphy | — | Aug. 6, 2026 S | 10,635 | 0 | 2 | $-200,429 |
| David Carl Odgers | — | Aug. 5, 2026 S | 6,538 | 0 | 1 | $-21,358 |
| J. Mariner Kemper | — | Aug. 4, 2026 S | 1,491,138 | 0 | 2 | $-2,855,994 |
| Joseph J Gazzoli | — | June 25, 2004 A | — | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 5 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 |
|---|---|---|---|---|
| PFFV · Global X Funds | 1.63% | 185,274 NS | May 31, 2026 | N-PORT |
| QTPI · Exchange Place Advisors Trust | 0.64% | 18,450 NS | May 31, 2026 | N-PORT |
| PQDI · Principal Exchange-Traded Funds | 0.43% | 11,400 NS | June 30, 2026 | N-PORT |
| PFFD · Global X Funds | 0.26% | 212,056 NS | May 31, 2026 | N-PORT |
| GPRF · Goldman Sachs ETF Trust | 0.11% | 3,482 NS | May 31, 2026 | N-PORT |