UMB Financial Corporation

UMBF

$143.44

+1.08%

2026-09-03 16:00:00 EDT+$1.53

Financial Services

Banks - Regional

NASDAQ

Active Trading

UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial ...

Price Action of UMBF

$143.44

+1.08%+$1.53

High—

Low—

52W High-6.4%

Rel. vol—

Interval

Range6.5h

Volume—SMA5SMA10

—

UMB Financial Corporation, founded in 1913, is a bank holding company that provides a wide range of banking and financial services through its principal subsidiary, UMB Bank. The company operates in three primary segments: Commercial Banking, Institutional Banking, and Personal Banking. Commercial Banking offers businesses essential services such as commercial ...UMB Financial Corporation, founded in 1913, is a bank holding company that provides a wide range of banking and financial services through its principal subsidiary, UMB Bank. The company operates in three primary segments: Commercial Banking, Institutional Banking, and Personal Banking. Commercial Banking offers businesses essential services such as commercial loans, credit cards, real estate financing, letters of credit, loan syndication, and specialized solutions like asset-based lending and treasury management. Institutional Banking serves institutional clients with asset management, healthcare services, fund administration, custody, corporate trust, and investment banking, including fixed-income sales and trading. Personal Banking provides individual customers with deposit accounts, credit cards, private banking, loans (installment, home equity, residential mortgages, small business), and additional services like internet banking, brokerage, insurance, and trust services. The company operates a network of branches and offices across 17 states, including Missouri, Kansas, Colorado, and California. As of 2022, UMB Financial employed approximately 3,804 people and reported net income of $431.7 million on total assets of $38.5 billion. The company is publicly traded on NASDAQ under the symbol UMBF. With a history of innovation, such as introducing online banking in 1995, UMB remains committed to providing comprehensive financial solutions. Its financial performance reflects a solid return on equity of 12.2% and a strong dividend yield, supported by effective cost management and diverse revenue streams. Under the leadership of Chairman and CEO Mariner Kemper, UMB continues to expand its footprint and enhance its digital capabilities, maintaining a customer-centric approach across all segments.ExpandCollapse

Founded

1913

Employees

5222

CEO

J. Mariner Kemper

Full Name

UMB Financial Corporation

Sector

Financial Services

Industry

Banks - Regional

ROE

12.17%

Market Cap

$10.89B

Current Ratio

0.25

WACC

14.37%

ROIC

215.55%

Contact Information

https://www.umb.com

816 860 7000

1010 Grand Boulevard, Kansas City, MO 64106

Key Metrics of UMBF

Snapshot

Latest / TTM · 6 periods

Market Cap

$10.89B

ROCE

1.5%

EV / EBITDA

11.79x

-9.6% YoY

FCF Yield

9.8%

-1.4% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.25

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of UMBF

Profitability trend

Latest / TTM · 6 periods

Gross Margin

58.5%

Net Margin

20.7%

P/E Ratio

11.87x

n/a

Debt / Equity

0.44

n/a

Current Ratio

0.25

Dividend Yield

1.2%

Understanding

TTM —

Current ratio below 1.0

Calendar of UMBF

Upcoming

Sep 10, 2026In 6 days
Ex-dividend date
$1.69 per share
Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $3.21 · Revenue $741.26M · 10 analysts
Oct 1, 2026In 27 days
Dividend payment
$1.69 per share
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $3.27 · Revenue $754.90M · 10 analysts

Recent history

Jul 30, 2026
Q2 FY2026 · Results reported
EPS $3.56 · Revenue $1.12B
View filing
Apr 30, 2026
Q1 FY2026 · Results reported
EPS $3.35 · Revenue $867.07M
View filing
Feb 26, 2026
FY2025 · Annual results
EPS $9.13 · Revenue $4.44B
View filing
Oct 30, 2025
Q3 FY2025 · Results reported
EPS $2.36 · Revenue $1.49B
View filing
Jul 31, 2025
Q2 FY2025 · Results reported
EPS $2.82 · Revenue $1.02B
View filing
May 2, 2025
Q1 FY2025 · Results reported
EPS $1.21 · Revenue $850.52M
View filing

Financial Statements of UMBF

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$4.4B	+68.5%	+28.8%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$702.4M	+59.2%	+6.2%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+54.4%	+2.1%	+9.0%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+20.3%	-1.3%	+115.1%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+15.8%	-5.5%	-17.6%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$978.1M	+386.4%	-0.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+22.0%	+188.7%	-23.0%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	49.4%	-42.8%	-13.8%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.01x	-96.0%	+22.0%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$73.1B	+45.0%	-0.6%

Actual vs Estimate

A Dec 31Q Sep 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	9.13 vs 10.72	-14.8%	3.56 vs 3.21	+11.1%
Revenue Surprise	$4.4B vs $2.6B	+70.5%	$1.1B vs $741.3M	+50.7%

Insider Transactions of UMBF

Acquisitions (A)

Since Aug 4, 2026

Disposals (D)

Since Aug 4, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Sep 1, 2026	Peterman Tamara	director	Common Stock	A	394	$139.60
Sep 1, 2026	GRAVES GREG M	director	Common Stock	A	573	$139.60
Aug 17, 2026	Terry Thomas S	officer: Chief Credit Officer	Common Stock	D	5,713	$151.77
Aug 17, 2026	Shankar Ram	officer: Chief Financial Officer	Common Stock	D	2,000	$151.61
Aug 6, 2026	Murphy Susan G	director	Common Stock	D	475	$145.66

Earnings Call Transcript of UMBF

1 transcript segments

Q2 2026

Unknown Speaker

Operator: Hello, and thank you for standing by. My name is Dennis, and I will be your conference operator today. At this time, I would like to welcome everyone to the UMB Financial Second Quarter 2026 Financial Results Conference Call. I would now like to turn the call over to Kay Gregory with Investor Relations. Please go ahead. Kay Gregory: Good morning, and welcome to our second quarter 2026 call. Mariner Kemper, Chairman and CEO; and Ram Shankar, CFO, will share a few comments about our results, and then we'll open the call for questions from equity research analysts. Jim Rine, President of the holding company and CEO of UMB Bank, along with Tom Terry, Chief Credit Officer, will be available for the question-and-answer session. Before we begin, let me remind you that today's presentation contains forward-looking statements, including the discussion of future financial and operating results as well as other opportunities management foresees. Forward-looking statements and any pro forma metrics are subject to assumptions, risks and uncertainties as outlined in our SEC filings and summarized in our presentation on Slide 48. Actual results may differ from those set forth in forward-looking statements, which speak only as of today. We undertake no obligation to update them, except to the extent required by securities laws. Presentation materials are available online at investorrelations.umb.com and include reconciliations of non-GAAP financial measures. All per share metrics refer to common shares and are on a diluted share basis. Now I'll turn the call over to Mariner Kemper. J. Kemper: Thank you, Kay, and good morning, everyone. Yesterday afternoon, we reported second quarter net income of $271.8 million, resulting in earnings per share of $3.56. Our strong results generated an operating return on tangible common equity of 20.3% and an operating efficiency ratio of 48.1%. A few highlights from the quarter include a 12.6% linked-quarter annualized growth in average loan balances, bolstered by a record $2.6 billion in gross production, continued high-quality credit metrics with net charge-offs of just 16 basis points of average loans. Nonperforming loans were 31 basis points, an improvement from 38 basis points in the first quarter, 4 basis points of core margin expansion through disciplined pricing on both sides of the balance sheet and ongoing momentum in our fee businesses. Our private investment activity continued to deliver with $27.1 million in net gains from our holdings, primarily related to our investment in Beacon Communications and SpaceX Technologies. Total fee income from our varied institutional banking businesses increased 6% on a linked-quarter basis and 19.6% from the second quarter in 2025, led by asset servicing and corporate trust. Each of those businesses saw a more than 20% year-over-year increase in fee income. In Fund Services, assets under administration increased nearly $57 billion from the prior quarter and stand at …

Leadership Team of UMBF

11 executives

Name	Title	Compensation	Gender	Year Born	Status
J. Mariner Kemper	Chairman & Chief Executive Officer	USD 4,850,817	Male	1973	Active
James D. Rine	President & Vice Chairman	USD 2,780,808	Male	1971	Active
Ram Shankar	Executive Vice President & Chief Financial Officer	USD 1,684,278	Male	1973	Active
Shannon Andresen Johnson	Executive VP, Chief Administrative Officer & Chief Risk Officer	USD 1,682,101	Female	1980	Active
Uma Wilson	Executive VP and Chief Information, Bank Product & Operations Officer	USD 1,475,661	Female	1979	Active
Thomas S. Terry	Executive Vice President & Chief Credit Officer	USD 1,077,437	Male	1964	Active
Nikki Farentino Newton	President of Private Wealth Management - UMB Bank, National Association	USD 847,583	Male	1972	Active
John R. Russ	President of Commercial Services	—	Male	—	Active
James A. Sangster	Executive Vice President	—	Male	1955	Active
Brian Nelson Kaufman	Managing Director of Prairie Capital Management	—	Male	—	Active
David Carl Odgers	Senior Vice President, Chief Accounting Officer & Controller	—	Male	1970	Active

Recent News of UMBF

Fool - Investing News4 days agoNeutral

Shankar Ram Liquidates 2,000 UMB Financial Shares

Despite the 6% reduction in direct holdings, the insider maintains 30,389 shares directly.

247 Wallst8/28/2026Neutral

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247 Wallst8/28/2026Neutral

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Historical Employee Count of UMBF

Current

5,222

Change

+41.21%

Minimum

3,529

Maximum

5,222

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	5,222	10-K	Feb 26, 2026	View
Dec 31, 2024	3,698	10-K	Feb 27, 2025	View
Dec 31, 2023	3,599	10-K	Feb 22, 2024	View
Dec 31, 2022	3,770	10-K	Feb 23, 2023	View
Dec 31, 2021	3,529	10-K	Feb 24, 2022	View

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UMB Financial Corporation