UMB FINANCIAL CORP
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $702.4M | $441.2M | $350.0M | $431.7M | $353.0M | $286.5M |
| Total assets | $73.09B | $50.41B | $44.01B | $38.51B | $42.69B | $33.13B |
| Total liabilities | $65.40B | $46.94B | $40.91B | $35.85B | $39.55B | $30.11B |
| Equity | $7.69B | $3.47B | $3.10B | $2.67B | $3.15B | $3.02B |
| EPS (diluted) | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 |
| Shares out. | 72.6M | 48.7M | 48.5M | 48.5M | 48.2M | 49.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 9.1%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.5%
- Debt / equity
- 8.50×
- Book value / share
- $105.98
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 59.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Portfolio Management LlcPassive (13G)Apr 29, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Kemper J MarinerActivist (13D)Mar 23, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Murphy Timothy R.Director | May 1, 2026 | Grant | 116 | $129.24 |
| Schmidt John KDirector | May 1, 2026 | Grant | 116 | $129.24 |
| Williams Leroy James JrDirector | May 1, 2026 | Grant | 116 | $129.24 |
| Sosland L JoshuaDirector | May 1, 2026 | Grant | 116 | $129.24 |
| Robbins Kris ADirector | May 1, 2026 | Grant | 116 | $129.24 |
| Peterman TamaraDirector | May 1, 2026 | Grant | 116 | $129.24 |
| Murphy Susan GDirector | May 1, 2026 | Grant | 116 | $129.24 |
| Lazo MargaretDirector | May 1, 2026 | Grant | 116 | $129.24 |
| Gordon Lansford E.Director | May 1, 2026 | Grant | 116 | $129.24 |
| Hopkins Jennifer KDirector | May 1, 2026 | Grant | 116 | $129.24 |
| Henderson Brad J.Director | May 1, 2026 | Grant | 116 | $129.24 |
| Graves Greg MDirector | May 1, 2026 | Grant | 116 | $129.24 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 3.6M | 5.4 | -1.8% |
| Apr 30, 2026 | 3.6M | 4.3 | +22.5% |
| Apr 15, 2026 | 3.0M | 5.2 | +5.8% |
| Mar 31, 2026 | 2.8M | 4.9 | +18.6% |
| Mar 13, 2026 | 2.4M | 4.0 | +2.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteApr 30, 2026
- Results of operations · Other material eventApr 28, 2026
- Director / officer changeFeb 10, 2026
- Results of operations · Other material eventJan 27, 2026
- Results of operations · Other material eventOct 28, 2025
- Regulation FD disclosureAug 27, 2025
- Results of operations · Other material eventJul 29, 2025
- Amended charter or bylaws · Other material eventJul 15, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 144Jun 1, 2026
- 144Jun 1, 2026
- 144Jun 1, 2026
- 4PRIMARY DOCUMENTMay 5, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
- 4PRIMARY DOCUMENTMay 4, 2026
Event-driven situations (1)
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