UMB Financial Corporation (UMBF) SEC Filings & Earnings Calls
EquiReason read 13 UMB Financial Corporation SEC filings in the last 12 months. Latest: 8-K on 2026-09-01 — UMB Financial announced redemption of all outstanding 2.75% Fixed-to-Floating Rate Subordinated Notes due 2031 on September 15, 2026 at 100% of principal plus accrued interest..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 10.3B
- P/E TTM
- 11.3
- Dividend yield
- 1.2%
- 52-week
- —
- Next earnings
- 27 Oct, in 3 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
30 Jul 202610-QUMBF reported Q2 2026 net income of $277.6M, up 28% YoY, with diluted EPS of $3.56, reflecting strong performance post-HTLF acquisition.earningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q2-2026 | $272M | +26% y/y |
| Diluted earnings per share · Q2-2026 | $3.56 | +26% y/y |
| Total loans · 2026-06-30 | $41.15B | |
| Nonaccrual loans · 2026-06-30 | $128M | |
| Provision for credit losses · Q2-2026 | $28M | +33% y/y |
Risks flagged
Credit risk from commercial real estate
“Commercial real estate loans include $61.8M nonaccrual at June 30, 2026, though down from $86.8M at Dec 31, 2025.”
Integration risk from HTLF acquisition
“The acquisition of HTLF on Jan 31, 2025 adds integration complexity and potential credit quality changes.”
28 Jul 20268-K · 2.02, 8.01UMBF reported strong Q2 2026 earnings: net income $271.8M ($3.56/diluted share), revenue $778M (+12.9% YoY), NIM 3.32% (+22bps YoY), ROAA 1.55%, ROACE 14.16%, efficiency ratio 48.4% (improved from 53.4%). Loan growth 12.6% linked-quarter anearningsopen
Figures in the filing · each found in the filing text
| Net Income Available to Common Shareholders · Q2-2026 | $272M | +26% y/y |
| Revenue · Q2-2026 | $778M | +13% y/y |
| Net Interest Income · Q2-2026 | $533M | +14% y/y |
| Net Interest Margin (FTE) · Q2-2026 | 3.3% | |
| Noninterest Income · Q2-2026 | $246M | +11% y/y |
| Return on Average Assets · Q2-2026 | 1.6% | |
| Return on Average Common Equity · Q2-2026 | 14.2% | |
| Efficiency Ratio (GAAP) · Q2-2026 | 48.4% | |
| End-of-Period Loans · Q2-2026 | $41.10B | |
| Net Charge-offs (bps of avg loans) · Q2-2026 | 16.0% |
Risks flagged
Purchase accounting accretion declining ($35.9M in Q2 vs $51.0M in Q1) may pressure future NIM
“Excluding the impacts of $35.9 million and $51.0 million in purchase accounting accretion benefits in the second and first quarters of 2026, respectively” · word for word
Private investment gains ($27.1M) may be volatile and non-recurring
“Private investment activity delivered $27.1 million in net gains from holdings, primarily Beacon Communications and SpaceX fund investment gains”
30 Apr 202610-QNet income $261M (+221% y/y); Diluted EPS $3.35 (+177% y/y); Total loans $40.13Bopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $261M | +221% y/y |
| Diluted EPS · Q1-2026 | $3.35 | +177% y/y |
| Total loans · 2026-03-31 | $40.13B | |
| Nonaccrual loans · 2026-03-31 | $151M | |
| Allowance for credit losses · 2026-03-31 | $429M | |
| Provision for credit losses · Q1-2026 | $27M | -68% y/y |
Risks flagged
Credit quality deterioration in commercial real estate
“Commercial real estate nonaccrual loans $63.4M vs $86.8M at year-end 2025; charge-offs $10.8M in Q1 2026.”
Concentration in commercial real estate and industrial loans
“Commercial real estate loans $16.6B and commercial & industrial $17.1B represent 84% of total loans.”
28 Apr 20268-K · 2.02, 8.01Q1 2026 GAAP net income $255.6M ($3.35/diluted share) vs $79.3M ($1.21) YoY; revenue $739.2M (+31.1% YoY); NIM 3.38% (+42bps); efficiency ratio improved to 48.4% from 65.2%.earningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q1-2026 | $256M | +222% y/y |
| Diluted earnings per share · Q1-2026 | $3.35 | +177% y/y |
| Total revenue · Q1-2026 | $739M | +31% y/y |
| Net interest income · Q1-2026 | $534M | +34% y/y |
| Net interest margin (FTE) · Q1-2026 | 3.4% | |
| Noninterest income · Q1-2026 | $205M | +23% y/y |
| Return on average assets · Q1-2026 | 1.5% | |
| Return on average common equity · Q1-2026 | 13.7% | |
| GAAP efficiency ratio · Q1-2026 | 48.4% | |
| Average loans · Q1-2026 | $39.40B | +22% y/y |
Risks flagged
Geopolitical headlines and potential impacts from high gasoline prices and supply costs
“CEO: 'Notwithstanding the geopolitical headlines, our borrowers remain resolute to handle any impacts from high gasoline prices and supply costs'”
Prolonged inflation, high interest rates, and Middle East crisis pose potential risks
“CEO: 'The U.S. economy remains on sound footing but prolonged inflation, high interest rates, and the Middle East crisis have the potential to pose some risks'”
23 Mar 2026SC 13D/AJ. Mariner Kemper, Chairman and CEO of UMB Financial Corp, reduced his beneficial ownership below the 5% threshold due to the physical settlement of forward sale agreements, resulting in an exit filing.open
Figures in the filing · each found in the filing text
| Beneficial Ownership - J. Mariner Kemper · 2025-03-14 | 4.8% |
Risks flagged
Insider/CEO Stake Reduction Below 5%
“As a result of the Forward Settlement, as of March 14, 2025, the Reporting Person ceased to be the beneficial owner of more than five percent (5%) of the UMBF Common Stock.” · word for word
12 Mar 2026DEF 14AProxy statement disclosing executive compensation structure, pay-for-performance alignment, and governance practices for 2026 annual meeting.open
Figures in the filing · each found in the filing text
| Core Pre-Provision Net Revenue (Core PPNR) · FY2025 | $1.09B | |
| Net Charge-Offs / Average Loans (NCOs) · FY2025 | 0.2% | |
| Net Income · FY2025 | $702M | |
| Net Interest Income · FY2025 | $1.86B | |
| Noninterest Income · FY2025 | $790M | |
| Efficiency Ratio · FY2025 | 57.7% | |
| Average Loans · FY2025 | $36.10B | +49% y/y |
| Average Deposits · FY2025 | $55.10B | +56% y/y |
| Operating Leverage · FY2025 | 11.7% | |
| Total Assets · FY2025 | $73.00B |
Risks flagged
Integration risk from HTLF acquisition
“The Company successfully executed the HTLF systems and related operational conversion in the third quarter.” · word for word
Concentration of insider ownership
“J. Mariner Kemper 3,664,924 4.81%” · word for word
26 Feb 202610-KNet interest income $1.86B (+86% y/y); Net income $702M (+59% y/y); Provision for credit losses $154M (+153% y/y)open
Figures in the filing · each found in the filing text
| Net interest income · FY2025 | $1.86B | +86% y/y |
| Net income · FY2025 | $702M | +59% y/y |
| Provision for credit losses · FY2025 | $155M | +153% y/y |
| Total noninterest income · FY2025 | $790M | +26% y/y |
| Total assets · FY2025 | $73.09B | +45% y/y |
| Total deposits · FY2025 | $60.66B | +41% y/y |
| Loans, net of allowance · FY2025 | $38.36B | +51% y/y |
| Goodwill · FY2025 | $1.84B | +787% y/y |
| Diluted earnings per share · FY2025 | $9.29 | +3% y/y |
| Net charge-offs on credit cards · Credit cards · FY2025 | $26M |
Risks flagged
Credit Risk from Loan Growth
“Provision for credit losses $154,500, $61,050, $41,227 for 2025, 2024, 2023 respectively.”
Integration Risk from HTLF Acquisition
“On January 31, 2025, the Company completed its acquisition of Heartland Financial USA, Inc. ... The fair value of the acquired loans is based on a discounted cash flow method that considered the loans’ underlying characteristics including account type, remaining terms of loan, annual interest rates or coupon, fixed or variable interest rates, past delinquenc” · word for word
Interest Rate Risk
“Net interest income $1,862,205, $1,000,892, $920,116 for 2025, 2024, 2023 respectively. Interest expense on deposits $1,336,549, $982,302, $704,210 for 2025, 2024, 2023 respectively.”
Goodwill Impairment Risk
“Goodwill $1,839,825, $207,385 for 2025, 2024 respectively.”
10 Feb 20268-K · 5.02Reported the departure of a director or principal officer (CEO/CFO change); filed financial statements and exhibits with this reportopen
Risks flagged
Change in control agreements may indicate company is preparing for a potential acquisition or strategic transaction, which could introduce uncertainty.
“CIC Agreements provide severance protections in event of qualifying termination after change in control; automatic renewal provisions.”
27 Jan 20268-K · 2.02, 8.01Net income available to common shareholders (GAAP) $210M (+75% y/y); Net operating income available to common shareholders $235M (+92% y/y); Revenue $721M (+66% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders (GAAP) · Q4-2025 | $210M | +75% y/y |
| Net operating income available to common shareholders · Q4-2025 | $235M | +92% y/y |
| Revenue · Q4-2025 | $721M | +66% y/y |
| Net interest income · Q4-2025 | $523M | +94% y/y |
| Net interest margin (FTE) · Q4-2025 | 3.3% | |
| Average deposits · Q4-2025 | $57.60B |
Risks flagged
Acquisition-related costs of $39.7M in Q4 2025
“Noninterest expense of $425.6 million included $39.7 million in acquisition-related costs.” · word for word
Integration risk from Heartland Financial acquisition
“The acquisition of Heartland Financial USA, Inc. (HTLF) closed on January 31, 2025; financial results include impact from acquired operations.” · word for word
30 Oct 202510-QUMBF reported strong Q3 2025 results with net income up 72% YoY, driven by the HTLF acquisition, NIM expansion, and fee income growth, though credit costs rose.earningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q3-2025 | $180M | +65% y/y |
| Earnings per share (diluted) · Q3-2025 | $2.36 | +6% y/y |
| Loans, net of unearned interest · 2025-09-30 | $37.71B | +51% y/y |
| Nonperforming loans · 2025-09-30 | $132M | +584% y/y |
| Total risk-based capital ratio · 2025-09-30 | 13.1% |
Risks flagged
HTLF Integration Risk
“The Company expects to see continued volatility in the economic markets resulting from governmental responses to inflation and recessionary signs in the economy, as well as uncertainty about the impacts of recent tariffs.” · word for word
Commercial Real Estate Concentration
“As of September 30, 2025 and December 31, 2024, commercial real estate loans comprised approximately 44.0% and 39.5%, respectively, of the Company's loan portfolio.” · word for word
Credit Quality Deterioration
“The Company’s nonperforming loans increased $112.7 million to $132.0 million at September 30, 2025, compared to September 30, 2024.” · word for word
Interest Rate Sensitivity
“The Company is positioned relatively neutral to changes in interest rates in the next year.” · word for word
28 Oct 20258-K · 2.02, 8.01Net income available to common shareholders $180M (+64% y/y); Earnings per common share - diluted (GAAP) $2.36 (+6% y/y); Net interest margin (FTE) 3.04earningsopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q3-2025 | $180M | +65% y/y |
| Earnings per common share - diluted (GAAP) · Q3-2025 | $2.36 | +6% y/y |
| Net interest margin (FTE) · Q3-2025 | 3.0% | |
| Average loans · Q3-2025 | $37.10B | +52% y/y |
| Average deposits · Q3-2025 | $56.80B | |
| Efficiency ratio · Q3-2025 | 58.1% | |
| Return on average assets · Q3-2025 | 1.0% | |
| Return on average common equity · Q3-2025 | 10.1% | |
| Noninterest income · Q3-2025 | $203M | +28% y/y |
| Total assets · Q3-2025 | $71.90B | +51% y/y |
Risks flagged
Acquisition integration risk; $35.6M in acquisition-related costs in Q3.
“Expenses of $419.3 million included $35.6 million in acquisition-related costs.” · word for word
UMB Financial Corporation — questions
- What did UMB Financial Corporation file recently?
- 13 SEC filings in the last 12 months. Latest: 8-K on 2026-09-01 — UMB Financial announced redemption of all outstanding 2.75% Fixed-to-Floating Rate Subordinated Notes due 2031 on September 15, 2026 at 100% of principal plus accrued interest.
Every figure on this page comes from UMB Financial Corporation's own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.