UMB Financial Corporation (UMBF)

From the record

UMB Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

UMB Financial Corporation's 10 filed years say what it did: revenue went from $523 million in fiscal 2016 to $3.4 billion in fiscal 2025, up 22.9% a year; it rose in 8 of 9 years; the deepest fall was 6% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, UMB Financial Corporation's diluted share count grew about 14.9% a year, and dividends and buybacks returned about 19% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 25 sales and 6 purchases of their own stock on the open market in the year to 2026-11-04, buying about $250 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, UMB Financial Corporation earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 50.3% over the year (the filed statements).

From the record

UMB Financial Corporation's standing among 79 graded names in its industry family: revenue of $3.4 billion in fiscal 2025 ranks in the top 20% by size; a net margin of 20.9% ranks in the bottom 34%; revenue growth of 43.4% a year over the last 3 filed years ranks in the top 2% (its annual reports).

From the record

UMB Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Kemper, J Mariner (Chairman and CEO, as filed), filing under that title since 2006-06-15, 20.4 years (top 5% of its family); the 28 officers and directors filing in the last fifteen months have been on the record a median of 7.4 years (top 38%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 28 people in charge now (top 8%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

UMB Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $7.8 billion against debt of $474 million leaves 10% of its assets as net cash, top 10% of its family; cash from operations less capital spending is 29.2% of revenue (top 25%) (its annual report).

From the record

UMB Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 43.4% a year over the last three filed years against 22.9% over all 10, speeding up (top 1% of its family); the newest year grew 54.5% (top 1%); capital spending grew -2.1% a year (bottom 27%) (its annual reports). UMB Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

UMB Financial Corporation's newest year against its own record: revenue of $3.4 billion in fiscal 2025 came in 11.9% above the $3.0 billion its prior three years' pace pointed to (top 2% of its family); net income of $702 million against a prior three-year average of $408 million (top 15%); a net margin of 20.9% against 25.8% before (bottom 27%) (its annual reports).