Umb Financial Corp (UMBF)
Operating cash flow minus capital spending left $978.1M of free cash flow in fiscal 2025. At September 30, 2026 it held $4.6B in cash against $333.1M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 29, 2026.
Key facts about Umb Financial Corp
- Net worth
- Umb Financial Corp has a market value (market cap) of $10.4B at the latest share price, and shareholders' equity of $7.9B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $1B of cash; after $48.6M of capital spending, free cash flow was $978.1M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 29, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Umb Financial Corp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Umb Financial Corp paid dividends of $1.63 per share in fiscal 2025, a yield of 1.19% at the current price.
What Umb Financial Corp does
Umb Financial Corp is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker UMBF.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $702.4M | $9.29 | $978.1M |
| 2024 | n/a | $441.2M | $8.99 | $205.3M |
| 2023 | n/a | $350M | $7.18 | $449.5M |
| 2022 | n/a | $431.7M | $8.86 | $717.8M |
| 2021 | n/a | $353M | $7.24 | $500.4M |
| 2020 | n/a | $286.5M | $5.93 | $313.4M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Umb Financial Corp paid $1.63 per share in fiscal 2025. At the current price that is a yield of 1.19%. It paid out $135.6M in cash dividends, 19% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.63 | $135.6M | 19% |
| 2024 | $1.57 | $77.1M | 17% |
| 2023 | $1.53 | $74.2M | 21% |
| 2022 | $1.49 | $72M | 17% |
| 2021 | $1.38 | $66.8M | 19% |
| 2020 | $1.25 | $60.3M | 21% |
Latest SEC filings
What Umb Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 30, 2026Form 425 filing 425
- October 29, 2026Form 425 filing 425
- October 29, 2026
- October 29, 2026
- October 28, 2026Form 425 filing 425
- October 27, 2026Form 425 filing 425
- October 27, 2026Form 425 filing 425
- October 27, 2026Form 425 filing 425
- October 27, 2026Form 425 filing 425
- October 27, 2026Form 425 filing 425
Insider trades
What the people running Umb Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $202.5K and sold $1.2M worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 3, 2026 | Davidson JanineDirector | Gave as a gift | 150 | - |
| November 2, 2026 | Graves Greg MDirector | Bought | 292 | $40K |
| November 2, 2026 | Peterman TamaraDirector | Bought | 201 | $27.5K |
| November 2, 2026 | Kemper J MarinerChairman and CEO, Director | Gave as a giftindirect | 15,062 | - |
| November 2, 2026 | Kemper J MarinerChairman and CEO, Director | Gave as a giftindirect | 15,062 | - |
| October 31, 2026 | Kemper J MarinerChairman and CEO, Director | Shares withheld for tax | 815 | $109.6K |
| October 30, 2026 | Gallagher Kevin CharlesDirector | Sold | 370 | $49.9K |
| September 1, 2026 | Graves Greg MDirector | Bought | 573 | $80K |
Who owns UMBF
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Portfolio Management13G, passive | 5.48% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 481 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 10,215,651 | +871,184 |
| UMB Bank, n.a. | 4,674,963 | -48,610 |
| Vanguard Portfolio Management LLC | 4,213,123 | +76,903 |
| State Street Corp | 4,133,285 | +151,684 |
| Vanguard Capital Management LLC | 3,130,338 | +29,045 |
| Dimensional Fund Advisors LP | 3,030,849 | +120,917 |
| Fmr LLC | 2,671,666 | +249,231 |
| Geode Capital Management, LLC | 2,064,907 | +117,461 |
| Wellington Management Group Llp | 1,687,247 | -1,019,877 |
| Neuberger Berman Group LLC | 1,562,240 | -137,399 |
| Earnest Partners LLC | 1,242,430 | -35,459 |
| Goldman Sachs Group Inc | 1,241,789 | +345,685 |
| Allspring Global Investments Holdings, LLC | 1,145,958 | -211,219 |
| American Century Companies Inc | 1,045,921 | -299,923 |
| Alliancebernstein L.P. | 1,300,605 | +80,627 |
| Charles Schwab Investment Management Inc | 964,626 | -2,118 |
| Citadel Advisors LLC | 943,290 | -125,292 |
| Morgan Stanley | 939,019 | -67,899 |
| Northern Trust Corp | 926,889 | +46,544 |
| First Trust Advisors LP | 914,990 | +15,590 |
Insiders
28 insiders reported holding 788,076 shares in total, about $107.7M at the last price.
| Holder | Shares |
|---|---|
| Kemper J MarinerChairman and CEO, Director | 355,52927,620 held indirectly |
| Rine James DPresident | 61,446 |
| Graves Greg MDirector | 40,893 |
| Johnson Shannon AndresenChief Administrative Officer | 34,775 |
| Schmidt John KDirector | 33,370 |
| Terry Thomas SChief Credit Officer | 30,689 |
| Shankar RamChief Financial Officer | 30,389 |
| Murphy Timothy R.Director | 27,576 |
| Wilson UmaExecutive Vice President | 20,270 |
| Sosland L JoshuaDirector | 14,612 |
Questions about UMBF
What does Umb Financial Corp do?
Umb Financial Corp is a company in the Finance sector, listed on NASDAQ as UMBF. Its shares trade on NASDAQ under the ticker UMBF.
What is Umb Financial Corp's net worth?
Umb Financial Corp has a market value (market cap) of $10.4B at the latest share price, and shareholders' equity of $7.9B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Umb Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $1B.
When did Umb Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 29, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the insider trade from November 4, 2026.
When is Umb Financial Corp's next earnings report?
Umb Financial Corp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Umb Financial Corp pay a dividend?
Yes. Umb Financial Corp paid dividends of $1.63 per share in fiscal 2025, a yield of 1.19% at the current price.
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Where the numbers come from
Financial figures are the values Umb Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.