# UMB Financial Corp: overview

UMBF · Nasdaq · CIK 101382 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/umbf.md) · [Financials](/companies/umbf/financials.md) · [Filings](/companies/umbf/filings.md) · [Insiders](/companies/umbf/insiders.md)

Revenue is not reported in this company’s XBRL financial statements.

## Last eight quarters

| Line item | Unit | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | not reported | [1.21](/filings/0001193125-26-194310.md) | [2.82](/filings/0001193125-26-325054.md) | [2.36](/filings/0001193125-26-437096.md) | not reported | [3.35](/filings/0001193125-26-194310.md) | [3.56](/filings/0001193125-26-325054.md) | [3.56](/filings/0001193125-26-437096.md) |
| Free cash flow | $m | [(77.1) d](/filings/0001193125-26-076496.md) | [354](/filings/0001193125-26-194310.md) | [271 d](/filings/0001193125-26-325054.md) | [258 d](/filings/0001193125-26-437096.md) | [95.3 d](/filings/0001193125-26-076496.md) | [357](/filings/0001193125-26-194310.md) | [331 d](/filings/0001193125-26-325054.md) | [359 d](/filings/0001193125-26-437096.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 12-month figure less the 9-month figure; 6-month figure less the 3-month figure; 9-month figure less the 6-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [7.24](/filings/0000950170-24-018456.md) | [8.86](/filings/0000950170-25-028420.md) | [7.18](/filings/0001193125-26-076496.md) | [8.99](/filings/0001193125-26-076496.md) | [9.29](/filings/0001193125-26-076496.md) |
| Free cash flow | $m | [500](/filings/0000950170-24-018456.md) | [718](/filings/0000950170-25-028420.md) | [450](/filings/0001193125-26-076496.md) | [205](/filings/0001193125-26-076496.md) | [978](/filings/0001193125-26-076496.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/umbf/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $1.46bn | 10,215,651 |  | Added +871,184 |
| [UMB Bank, n.a.](/funds/933429.md) | 2026-06-30 | $667.4m | 4,674,963 |  | Reduced −48,610 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $601.5m | 4,213,123 |  | Added +76,903 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $591.8m | 4,133,285 |  | Added +151,684 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $446.9m | 3,130,338 |  | Added +29,045 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $432.7m | 3,030,849 |  | Added +120,917 |
| [FMR LLC](/funds/315066.md) | 2026-06-30 | $381.4m | 2,671,666 |  | Added +249,231 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $294.8m | 2,064,907 |  | Added +117,461 |
| [WELLINGTON MANAGEMENT GROUP LLP](/funds/902219.md) | 2026-06-30 | $240.9m | 1,687,247 |  | Reduced −1,019,877 |
| [NEUBERGER BERMAN GROUP LLC](/funds/1465109.md) | 2026-06-30 | $223.0m | 1,562,240 |  | Reduced −137,399 |

## Recent filings

[All 2,785 filings](/companies/umbf/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-29 | 16:05 ET | [8-K](/filings/0001193125-26-437779.md) | 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0001193125-26-437779 |
| 2026-10-29 | 09:01 ET | [10-Q](/filings/0001193125-26-437096.md) | Quarterly report, period 2026-09-30 | 0001193125-26-437096 |
| 2026-10-27 | 16:05 ET | [8-K](/filings/0001193125-26-434198.md) | 2.02 Results of operations; 8.01 Other events; 9.01 Financial statements and exhibits | 0001193125-26-434198 |
| 2026-10-27 | 16:05 ET | [8-K](/filings/0001193125-26-434196.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001193125-26-434196 |
| 2026-09-01 | 16:05 ET | [8-K](/filings/0001193125-26-378379.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001193125-26-378379 |
| 2026-07-30 | 09:01 ET | [10-Q](/filings/0001193125-26-325054.md) | Quarterly report, period 2026-06-30 | 0001193125-26-325054 |
| 2026-07-28 | 16:05 ET | [8-K](/filings/0001193125-26-320980.md) | 2.02 Results of operations; 8.01 Other events; 9.01 Financial statements and exhibits | 0001193125-26-320980 |
| 2026-04-30 | 17:00 ET | [8-K](/filings/0001193125-26-197753.md) | 5.07 Shareholder vote results; 9.01 Financial statements and exhibits | 0001193125-26-197753 |
| 2026-04-30 | 09:01 ET | [10-Q](/filings/0001193125-26-194310.md) | Quarterly report, period 2026-03-31 | 0001193125-26-194310 |
| 2026-04-28 | 16:05 ET | [8-K](/filings/0001193125-26-186932.md) | 2.02 Results of operations; 8.01 Other events; 9.01 Financial statements and exhibits | 0001193125-26-186932 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001193125-26-076496.md), filed Feb 26, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 101382
- Tickers: UMBF, UMBFO
- Exchange: Nasdaq
- SIC code: 6021 National Commercial Banks
- State of incorporation: MO
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 30, 2026, 16:33 ET. No prices; not investment advice.