UMBF at a glance
UMB FINANCIAL CORP (UMBF, SEC CIK 101382) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on September 1, 2026 and Form 4 insider filings as recently as September 3, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), UMB FINANCIAL CORP (UMBF) reported revenue of $3.4 billion (up 54.5% from FY2024) and net income of $702.4 million. Diluted EPS was $9.29.
- As of June 30, 2026, 35 institutional investment managers tracked by SignalX reported holding UMB FINANCIAL CORP (UMBF) shares worth $5.2 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by GRAVES GREG M on September 1, 2026 of 573 shares at $139.60 per share.
- In the last 90 days, UMBF insiders reported 2 open-market purchases ($135K) and 13 open-market sales ($5.6M) on Form 4, a net sale of $5.4M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $3.4B
- +54.5% vs prior year
- Insiders · 90 days
- 2 buys · 13 sells
- Net −$5.4M
- 13F holders
- 35 funds
- $5.2B · −2 vs prior quarter
- Latest 8-K
- Sep 1, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the UMBF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No Risk Factors section provided; supplied text covers share repurchases, exhibits, and signatures
- New repurchase authorization: up to 2,000,000 shares through April 27, 2027
- June repurchases: 38,158 shares under authorization at $132.10 average price
- Share-based incentive programs acquired 81 surrendered shares for tax withholding in April
AI summary of the UMBF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- UMB Financial redeeming all outstanding 2.75% subordinated notes on September 15, 2026
- Redemption price: 100% of principal plus accrued unpaid interest through September 14, 2026
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 financial results released for quarter and period ended June 30, 2026
- Shareholder conference call scheduled for 8:30 a.m. CT on July 29, 2026
Item 8.01: Other Events
- Quarterly common dividend declared at $0.50 per share, payable October 1, 2026
- Common-stock record date: September 10, 2026
Item EX-99.1: Item EX-99.1
- Q2 net income available to common shareholders $271.8M, or $3.56 diluted EPS, up 26.2% YoY
- Revenue $778.0M, up 12.9% YoY, supported by net interest income $532.5M and noninterest income $245.5M
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 14 director nominees reelected through 2027, preserving board continuity
- Executive compensation advisory vote approved, 62,913,365 for versus 2,104,370 against
AI summaries of UMBF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for UMBF
Don't miss the next UMBF filing
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- Fund moves. Which tracked funds opened, added or cut UMBF, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| GRAVES GREG M | Buy | Sep 1, 2026 | 573.145 | $139.60 |
| Peterman Tamara | Buy | Sep 1, 2026 | 394.055 | $139.60 |
| Terry Thomas S | Sell | Aug 17, 2026 | 5,713 | $151.77 |
| Shankar Ram | Sell | Aug 17, 2026 | 2,000 | $151.61 |
| Murphy Susan G | Sell | Aug 6, 2026 | 475 | $145.66 |
| Murphy Susan G | Sell | Aug 6, 2026 | 902 | $145.50 |
| Odgers David Carl | Sell | Aug 5, 2026 | 145 | $147.30 |
| KEMPER J MARINER | Sell | Aug 4, 2026 | 15,062 | $148.55 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.8B | $2.2B | $3.4B |
| Net Income | $350.0M | $441.2M | $702.4M |
| Net Margin | 19.0% | 20.3% | 20.9% |
| Balance Sheet | |||
| Total Assets | $44.0B | $50.4B | $73.1B |
| Equity | $3.1B | $3.5B | $7.7B |
| ROE | 11.3% | 12.7% | 9.1% |
| Per Share | |||
| EPS | - | $8.99 | $9.29 |
| Cash Flow | |||
| Operating CF | $472.6M | $225.3M | $1.0B |
| CapEx | $26.9M | $24.2M | $48.6M |
Source: XBRL data in UMB FINANCIAL CORP (UMBF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate UMBF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 35 | $5.18B |
| Q1 2026 | 37 | $3.89B |
| Q4 2025 | 31 | $3.95B |
| Q3 2025 | 35 | $4.04B |
| Q2 2025 | 33 | $3.64B |
| Q1 2025 | 30 | $2.47B |
| Q4 2024 | 25 | $1.87B |
| Q3 2024 | 23 | $1.15B |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 249 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
UMBF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 8-K | Sep 1, 2026 | - | Analysis | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 10-Q | Jul 30, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 28, 2026 | - | Analysis | - |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 10, 2026 | - | - | |
| 4 | May 5, 2026 | - | - | - |
| 4 | May 4, 2026 | - | - | - |
| 4 | May 4, 2026 | - | - | - |
| 4 | May 4, 2026 | - | - | - |
| 4 | May 4, 2026 | - | - | - |
| 4 | May 4, 2026 | - | - | - |
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UMBF SEC filings: frequently asked questions
Are UMBF insiders buying or selling?
In the last 90 days, UMB FINANCIAL CORP (UMBF) officers, directors and 10% owners reported 2 open-market purchases worth $135,021 by 2 insiders and 13 open-market sales worth $5.6 million by 10 insiders on Form 4, a net sale of $5.4 million. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold UMBF stock?
As of June 30, 2026, the largest UMB FINANCIAL CORP (UMBF) holders among the 13F filers tracked by SignalX were BlackRock ($1.5 billion), Vanguard Portfolio Management LLC ($601.5 million), State Street Corp ($591.8 million), Vanguard Capital Management LLC ($446.9 million), Dimensional Fund Advisors ($432.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was UMBF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), UMB FINANCIAL CORP (UMBF) reported revenue of $3.4 billion (up 54.5% from FY2024) and net income of $702.4 million. Diluted EPS was $9.29. The figures come from the XBRL data in the 10-K.
What are the main risks in UMBF's latest 10-K?
In the 10-K filed February 26, 2026, UMB FINANCIAL CORP (UMBF) flagged: 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. (AI summary of the Risk Factors section.)
What did UMBF report in its latest 8-K?
UMB FINANCIAL CORP (UMBF) filed an 8-K on September 1, 2026 reporting Item 7.01 (Regulation FD Disclosure). UMB Financial redeeming all outstanding 2.75% subordinated notes on September 15, 2026.
What are the latest UMBF SEC filings?
UMB FINANCIAL CORP (UMBF) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on September 1, 2026 and a Form 4 insider filing on September 3, 2026.
What is UMBF's SEC CIK number?
UMB FINANCIAL CORP (UMBF)'s SEC Central Index Key (CIK) is 101382. EDGAR lists every UMBF filing under that number.
Ask anything about UMBF
The research agent reads UMBF's filings, financials, insider trades and 13F holders, then answers with sources.