UMBF UMB FINANCIAL CORP

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business focused on financial services including investment management, asset servicing, commercial lending
• • Emphasis on talent retention and challenges amid intensified competition and scrutiny of compensation practices
• • Litigation exposure notably increased due to shareholder lawsuits linked to HTLF acquisition
• • Accounting changes and management judgments on credit loss allowances may significantly affect financial statements
• • No new segments introduced; focus on managing risks from personnel, legal, and accounting uncertainties

Risk Factors

• • No specific or timely regulatory or legal risks detailed in text
• • Macroeconomic risk from interest rate volatility impacting net interest margin amid changing Federal Reserve policies
• • Operational risk from potential technology failures affecting critical customer account transactions and digital banking services
• • Competitive risk from larger regional banks expanding digital capabilities, threatening UMB’s market share in wealth management
• • Financial risk from dependence on managed assets fees, with 60% of revenue tied to market-sensitive asset values

Management Discussion & Analysis

• • Revenue $2.65B in 2025, up 62.8% YoY driven by HTLF acquisition adding $16.1B assets and $9.7B loans
• • Net interest income $1.9B, up 86.1% YoY; net interest margin 3.10% vs 2.51% in 2024, net interest spread +84 bps
• • Noninterest income $790.1M, up 25.8% YoY; noninterest income 29.8% of total revenue vs 38.6% in 2024
• • Net income to common shareholders $684.6M, up 55.2% YoY; ROA 1.03% vs 1.02%, ROE 10.24% vs 13.24% in 2024
• • Capital: total shareholders’ equity $7.7B, up 121.9% YoY; dividends $123.4M (+60% YoY); no share buybacks except for incentive programs
• • Forward outlook: expects continued economic and market volatility, impacting balance sheet and income in 2026

What are the latest UMBF SEC filings in 2026?

UMB FINANCIAL CORP (UMBF) has filed a 10-K annual report on February 26, 2026, a 10-Q quarterly report on April 30, 2026, an 8-K current report on July 28, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did UMBF file its most recent 10-K annual report?

UMB FINANCIAL CORP (UMBF) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view UMBF 10-Q quarterly reports?

UMB FINANCIAL CORP (UMBF)'s most recent 10-Q quarterly report was filed on April 30, 2026. SignalX displays every UMBF 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has UMBF filed recently?

UMB FINANCIAL CORP (UMBF)'s most recent 8-K was filed on July 28, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find UMBF insider trading activity (Form 4)?

SignalX aggregates every UMBF Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does UMBF file with the SEC?

UMB FINANCIAL CORP (UMBF) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new UMBF filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for UMB FINANCIAL CORP (UMBF).

What is UMBF's SEC CIK number?

UMB FINANCIAL CORP (UMBF)'s SEC CIK (Central Index Key) number is 101382. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 101382 to look up all UMBF filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find UMBF return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from UMB FINANCIAL CORP (UMBF) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.