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UMB FINANCIAL CORP

UMBF, UMBFO · National Commercial Banks · 76.0M shares · -0%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: -$10M (gross $8M, SBC $19M)

Reference price $132.88 · est. market cap ~$10.1B — last insider sale, 2026-06-10 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

B70

UMB Financial — solid commercial bank with low leverage and ample cash.

Strengths

Risks

Notable findings

Key metrics

Return on equity
9.1%
Return on assets
1.0%
Net-income growth
59.2%
Debt / equity
0.1×
Free cash flow
$978M
Tangible book value
$5.4B
Cash & investments
$9.4B

Insider transactions · last 18 months

DateInsiderTypeSharesPrice
2026-06-10Wilson UmaSell922$133.05
2026-06-10Wilson UmaOption exercise922$75.25
2026-06-10Gallagher Kevin CharlesSell381$132.88
2026-06-09Rine James DSell7.2K$132.49
2026-06-09Rine James DSell1.1K$133.22
2026-05-01Murphy Susan GGrant116$129.24
2026-05-01SCHMIDT JOHN KGrant116$129.24
2026-05-01Lazo MargaretGrant116$129.24
2026-05-01Gordon Lansford E.Grant116$129.24
2026-05-01Hopkins Jennifer KGrant116$129.24
2026-05-01Henderson Brad J.Grant116$129.24
2026-05-01GRAVES GREG MGrant116$129.24
2026-05-01Gallagher Kevin CharlesGrant116$129.24
2026-05-01Davidson JanineGrant116$129.24
2026-05-01BEERY ROBIN CGrant116$129.24
2026-05-01Murphy Timothy R.Grant116$129.24
2026-05-01Williams Leroy James JrGrant116$129.24
2026-05-01SOSLAND L JOSHUAGrant116$129.24
2026-05-01ROBBINS KRIS AGrant116$129.24
2026-05-01Peterman TamaraGrant116$129.24
2026-02-11Wilson UmaTax withheld83$132.16
2026-02-11Terry Thomas STax withheld57$132.16
2026-02-11Shankar RamTax withheld129$132.16
2026-02-11Rine James DTax withheld311$132.16
2026-02-11Odgers David CarlTax withheld18$132.16
2026-02-11Newton Nikki FarentinoTax withheld87$132.16
2026-02-11Mason Phillip JamesTax withheld41$132.16
2026-02-11KEMPER J MARINERTax withheld1.1K$132.16
2026-02-11Johnson Shannon AndresenTax withheld124$132.16
2026-02-11Harris AmyTax withheld60$132.16
2026-02-11Beaird Robert BrianTax withheld70$132.16
2026-02-10Beaird Robert BrianTax withheld112$132.87
2026-02-10Wilson UmaTax withheld131$132.87
2026-02-10Terry Thomas STax withheld89$132.87
2026-02-10Shankar RamTax withheld204$132.87
2026-02-10Rine James DTax withheld832$132.87
2026-02-10Odgers David CarlTax withheld29$132.87
2026-02-10Newton Nikki FarentinoTax withheld144$132.87
2026-02-10Mason Phillip JamesTax withheld65$132.87
2026-02-10KEMPER J MARINERTax withheld1.7K$132.87
2026-02-10Johnson Shannon AndresenTax withheld215$132.87
2026-02-10Harris AmyTax withheld97$132.87
2026-02-09KEMPER J MARINERTax withheld1.9K$134.29
2026-02-09Johnson Shannon AndresenTax withheld316$134.29
2026-02-09Harris AmyTax withheld127$134.29
2026-02-09Beaird Robert BrianTax withheld159$134.29
2026-02-09Wilson UmaTax withheld227$134.29
2026-02-09Terry Thomas STax withheld145$134.29
2026-02-09Shankar RamTax withheld381$134.29
2026-02-09Rine James DTax withheld937$134.29
2026-02-09Odgers David CarlTax withheld35$134.29
2026-02-09Newton Nikki FarentinoTax withheld236$134.29
2026-02-09Mason Phillip JamesTax withheld201$134.29
2026-02-09Lewis Elizabeth TheresaTax withheld89$134.29
2026-02-09Beaird Robert BrianGrant1.4K
2026-02-09Wilson UmaGrant1.9K
2026-02-09Harris AmyGrant1.4K
2026-02-09Terry Thomas SGrant1.6K
2026-02-09Johnson Shannon AndresenGrant2.6K
2026-02-09Shankar RamGrant3.1K
2026-02-09KEMPER J MARINERGrant17K
2026-02-09Rine James DGrant5.5K
2026-02-09Lewis Elizabeth TheresaGrant1.6K
2026-02-09Odgers David CarlGrant405
2026-02-09Mason Phillip JamesGrant1.7K
2026-02-09Newton Nikki FarentinoGrant1.6K
2026-02-07Wilson UmaTax withheld228$134.32
2026-02-07Terry Thomas STax withheld152$134.32
2026-02-07Shankar RamTax withheld366$134.32
2026-02-07Rine James DTax withheld857$134.32
2026-02-07Odgers David CarlTax withheld49$134.32
2026-02-07Newton Nikki FarentinoTax withheld240$134.32
2026-02-07Mason Phillip JamesTax withheld241$134.32
2026-02-07Lewis Elizabeth TheresaTax withheld240$134.32
2026-02-07KEMPER J MARINERTax withheld2.0K$134.32
2026-02-07Johnson Shannon AndresenTax withheld355$134.32
2026-02-07Harris AmyTax withheld161$134.32
2026-02-07Beaird Robert BrianTax withheld166$134.32
2026-02-03Gallagher Kevin CharlesSell388$129.30
2026-02-02GRAVES GREG MBuy220$127.83
2026-02-02Peterman TamaraBuy154$127.83
2026-02-02KEMPER J MARINERSell3.5K$129.06
2026-02-02KEMPER J MARINERSell8.0K$128.04
2026-02-02KEMPER J MARINERSell7.2K$129.19
2026-01-30Lazo MargaretGrant786$127.14
2026-01-30Murphy Susan GGrant786$127.14
2026-01-30Murphy Timothy R.Grant786$127.14
2026-01-30ROBBINS KRIS AGrant786$127.14
2026-01-30SCHMIDT JOHN KGrant786$127.14
2026-01-30Gordon Lansford E.Grant786$127.14
2026-01-30GRAVES GREG MGrant786$127.14
2026-01-30Peterman TamaraGrant786$127.14
2026-01-30Williams Leroy James JrGrant786$127.14
2026-01-30SOSLAND L JOSHUAGrant786$127.14
2026-01-30Gallagher Kevin CharlesGrant786$127.14
2026-01-30BEERY ROBIN CGrant786$127.14
2026-01-30Davidson JanineGrant786$127.14
2026-01-30Henderson Brad J.Grant786$127.14
2026-01-30Hopkins Jennifer KGrant786$127.14
2025-12-31Wilson UmaTax withheld605$115.04
2025-12-31Terry Thomas STax withheld466$115.04
2025-12-31Shankar RamTax withheld926$115.04
2025-12-31Rine James DTax withheld0$115.04
2025-12-31Odgers David CarlTax withheld142$115.04
2025-12-31Newton Nikki FarentinoTax withheld667$115.04
2025-12-31Mason Phillip JamesTax withheld297$115.04
2025-12-31King Stacy HTax withheld517$115.04
2025-12-31KEMPER J MARINERTax withheld7.6K$115.04
2025-12-31Johnson Shannon AndresenTax withheld975$115.04
2025-12-31Harris AmyTax withheld449$115.04
2025-12-31Beaird Robert BrianTax withheld519$115.04
2025-12-12Terry Thomas SGift400
2025-12-11Rine James DSell3.5K$119.03
2025-12-08KEMPER J MARINERSell15K$114.58
2025-11-10Gallagher Kevin CharlesSell460$110.71
2025-11-04Newton Nikki FarentinoSell1.3K$106.09
2025-11-03Peterman TamaraBuy185$106.41
2025-11-03GRAVES GREG MBuy264$106.41
2025-10-31KEMPER J MARINERGrant5.6K
2025-09-12Shankar RamGift500
2025-09-10KEMPER J MARINERSell800$122.66
2025-09-10KEMPER J MARINERSell100$122.55
2025-09-10KEMPER J MARINERSell100$122.51
2025-09-09Wilson UmaSell282$123.11
2025-09-09KEMPER J MARINERSell100$124.92
2025-09-09KEMPER J MARINERSell3.4K$125.37
2025-09-03Johnson Shannon AndresenSell1.4K$120.58
2025-09-02Johnson Shannon AndresenGift1.5K$121.53
2025-09-02GRAVES GREG MBuy234$120.44
2025-09-02Peterman TamaraBuy163$120.44
2025-08-27Harris AmySell500$122.02
2025-08-25Mason Phillip JamesSell750$120.97
2025-08-22King Stacy HSell100$118.69
2025-08-22King Stacy HSell1.4K$118.89
2025-08-13KEMPER J MARINERSell16K$116.33
2025-08-13Beaird Robert BrianSell1.2K$116.17
2025-08-05Gallagher Kevin CharlesSell460$110.63
2025-08-01GRAVES GREG MBuy261$107.58
2025-08-01Peterman TamaraBuy183$107.58
2025-07-29Wilson UmaTax withheld624$109.20
2025-07-29Terry Thomas STax withheld716$109.20
2025-07-29Newton Nikki FarentinoTax withheld682$109.20
2025-07-29King Stacy HTax withheld370$109.20
2025-07-29Beaird Robert BrianTax withheld372$109.20
2025-07-28Johnson Shannon AndresenGrant8.9K
2025-07-28Johnson Shannon AndresenTax withheld4.0K$108.95
2025-06-02KEMPER J MARINERSell1.5K$101.84
2025-06-02KEMPER J MARINERSell4.0K$101.80
2025-05-13Wilson UmaOption exercise1.1K$47.68
2025-05-13Wilson UmaSell59$108.10
2025-05-13Wilson UmaSell118$107.92
2025-05-13Wilson UmaTax withheld491$108.10
2025-05-13Wilson UmaSell23$108.03
2025-03-07Newton Nikki FarentinoSell620$102.37
2025-03-07Newton Nikki FarentinoSell380$102.52
2025-03-03Peterman TamaraBuy179$110.19
2025-03-03GRAVES GREG MBuy255$110.19
2025-02-21KEMPER J MARINERSell601$108.89
2025-02-21KEMPER J MARINERSell2.9K$108.55
2025-02-12King Stacy HTax withheld51$112.94
2025-02-12Terry Thomas STax withheld71$112.94
2025-02-12Shankar RamTax withheld111$112.94
2025-02-12Rine James DTax withheld388$112.94
2025-02-12Odgers David CarlTax withheld28$112.94
2025-02-12Newton Nikki FarentinoTax withheld77$112.94
2025-02-12Mason Phillip JamesTax withheld35$112.94
2025-02-12KEMPER J MARINERTax withheld1.1K$112.94
2025-02-12Johnson Shannon AndresenTax withheld104$112.94
2025-02-12Harris AmyTax withheld42$112.94
2025-02-12Beaird Robert BrianTax withheld58$112.94
2025-02-12Wilson UmaTax withheld62$112.94
2025-02-11Mason Phillip JamesTax withheld27$114.17
2025-02-11Wilson UmaTax withheld54$114.17
2025-02-11Terry Thomas STax withheld57$114.17
2025-02-11Shankar RamTax withheld85$114.17
2025-02-11Rine James DTax withheld312$114.17
2025-02-11Odgers David CarlTax withheld18$114.17
2025-02-11Newton Nikki FarentinoTax withheld56$114.17
2025-02-11King Stacy HTax withheld44$114.17
2025-02-11KEMPER J MARINERTax withheld1.1K$114.17
2025-02-11Johnson Shannon AndresenTax withheld81$114.17
2025-02-11Harris AmyTax withheld40$114.17
2025-02-11Beaird Robert BrianTax withheld47$114.17
2025-02-10Wilson UmaTax withheld84$113.24
2025-02-10Terry Thomas STax withheld85$113.24
2025-02-10Shankar RamTax withheld128$113.24
2025-02-10Rine James DTax withheld781$113.24
2025-02-10Odgers David CarlTax withheld34$113.24
2025-02-10Newton Nikki FarentinoTax withheld91$113.24
2025-02-10Mason Phillip JamesTax withheld49$113.24
2025-02-10King Stacy HTax withheld71$113.24
2025-02-10KEMPER J MARINERTax withheld1.6K$113.24
2025-02-10Johnson Shannon AndresenTax withheld137$113.24
2025-02-10Harris AmyTax withheld62$113.24
2025-02-10Beaird Robert BrianTax withheld71$113.24
2025-02-09Mason Phillip JamesTax withheld148$114.11
2025-02-09Wilson UmaTax withheld147$114.11
2025-02-09Terry Thomas STax withheld142$114.11
2025-02-09Shankar RamTax withheld249$114.11
2025-02-09Rine James DTax withheld682$114.11
2025-02-09Odgers David CarlTax withheld35$114.11
2025-02-09Newton Nikki FarentinoTax withheld154$114.11
2025-02-09Lewis Elizabeth TheresaTax withheld62$114.11
2025-02-09King Stacy HTax withheld110$114.11
2025-02-09KEMPER J MARINERTax withheld1.9K$114.11
2025-02-09Johnson Shannon AndresenTax withheld207$114.11
2025-02-09Harris AmyTax withheld83$114.11
2025-02-09Beaird Robert BrianTax withheld104$114.11
2025-02-07KEMPER J MARINERGrant14K
2025-02-07Wilson UmaGrant1.5K
2025-02-07Terry Thomas SGrant1.5K
2025-02-07Shankar RamGrant2.4K
2025-02-07Rine James DGrant5.7K
2025-02-07Odgers David CarlGrant407
2025-02-07Newton Nikki FarentinoGrant1.6K
2025-02-07Mason Phillip JamesGrant1.4K
2025-02-07Lewis Elizabeth TheresaGrant1.4K
2025-02-07King Stacy HGrant1.1K
2025-02-07Johnson Shannon AndresenGrant2.4K
2025-02-07Harris AmyGrant1.0K
2025-02-07Beaird Robert BrianGrant1.1K
2025-02-03Gallagher Kevin CharlesSell527$114.13
2025-01-31SCHMIDT JOHN KGrant22K
2025-01-31SCHMIDT JOHN KGrant2.6K
2025-01-31Murphy Susan GGrant11K
2025-01-31Lazo MargaretGrant3.7K
2025-01-31Hopkins Jennifer KGrant5.9K
2025-01-31Henderson Brad J.Grant919
2025-01-31Williams Leroy James JrGrant678$117.90
2025-01-31SOSLAND L JOSHUAGrant678$117.90
2025-01-31ROBBINS KRIS AGrant678$117.90
2025-01-31Peterman TamaraGrant678$117.90
2025-01-31Murphy Timothy R.Grant678$117.90
2025-01-31Gordon Lansford E.Grant678$117.90
2025-01-31GRAVES GREG MGrant678$117.90
2025-01-31Gallagher Kevin CharlesGrant678$117.90
2025-01-31SCHMIDT JOHN KGrant32K
2025-01-31BEERY ROBIN CGrant678$117.90
2025-01-31Wilson UmaGrant1.2K
2025-01-31Wilson UmaGrant4.2K
2025-01-31Terry Thomas SGrant1.3K
2025-01-31Terry Thomas SGrant4.5K
2025-01-31Shankar RamGrant1.9K
2025-01-31Shankar RamGrant7.3K
2025-01-31Rine James DGrant8.1K
2025-01-31Rine James DGrant19K
2025-01-31Odgers David CarlGrant404
2025-01-31Odgers David CarlGrant1.1K
2025-01-31Newton Nikki FarentinoGrant1.3K
2025-01-31Newton Nikki FarentinoGrant4.5K
2025-01-31Mason Phillip JamesGrant593
2025-01-31Mason Phillip JamesGrant3.9K
2025-01-31Lewis Elizabeth TheresaGrant1.5K
2025-01-31King Stacy HGrant1.0K
2025-01-31King Stacy HGrant3.2K
2025-01-31KEMPER J MARINERGrant17K
2025-01-31KEMPER J MARINERGrant39K
2025-01-31Johnson Shannon AndresenGrant2.0K
2025-01-31Johnson Shannon AndresenGrant6.0K
2025-01-31Harris AmyGrant891
2025-01-31Harris AmyGrant2.4K
2025-01-31Beaird Robert BrianGrant1.0K
2025-01-31Beaird Robert BrianGrant3.0K
2025-01-31Davidson JanineGrant678$117.90
2025-01-27Beaird Robert BrianGrant1.4K
2025-01-27Beaird Robert BrianTax withheld493$121.11
2025-01-27Harris AmyGrant1.2K
2025-01-27Harris AmyTax withheld428$121.11
2025-01-27Johnson Shannon AndresenGrant2.5K
2025-01-27Johnson Shannon AndresenTax withheld817$121.11
2025-01-27KEMPER J MARINERGrant24K
2025-01-27KEMPER J MARINERTax withheld9.4K$121.11
2025-01-27King Stacy HGrant1.4K
2025-01-27King Stacy HTax withheld479$121.11
2025-01-27Mason Phillip JamesGrant834
2025-01-27Mason Phillip JamesTax withheld292$121.11
2025-01-27Newton Nikki FarentinoGrant1.9K
2025-01-27Newton Nikki FarentinoTax withheld615$121.11
2025-01-27Odgers David CarlGrant569
2025-01-27Odgers David CarlTax withheld200$121.11
2025-01-27Rine James DGrant6.7K
2025-01-27Rine James DTax withheld2.1K$121.11
2025-01-27Shankar RamGrant2.6K
2025-01-27Shankar RamTax withheld847$121.11
2025-01-27Terry Thomas SGrant1.9K
2025-01-27Terry Thomas STax withheld617$121.11
2025-01-27Wilson UmaGrant1.7K
2025-01-27Wilson UmaTax withheld565$121.11

All non-derivative Form 4 activity (SEC), newest first.

Supply chain

Customers (1)

Suppliers (0)

    Named in the 10-K; linked when we track them.

    Notable events (8-K)

    DateItems
    2026-04-30Shareholder voteExhibitsfiling ↗
    2026-04-28ResultsOtherExhibitsfiling ↗
    2026-02-10Exec/director changeExhibitsfiling ↗
    2026-01-27ResultsOtherExhibitsfiling ↗
    2025-10-28ResultsOtherExhibitsfiling ↗
    2025-08-27Reg FDExhibitsfiling ↗
    2025-07-29ResultsOtherExhibitsfiling ↗
    2025-07-155.03OtherExhibitsfiling ↗

    Recent filings

    FormFiledPeriodAccession
    10-Q2026-04-302026-03-310001193125-26-194310 ↗
    8-K2026-04-302026-04-280001193125-26-197753 ↗
    8-K2026-04-282026-04-280001193125-26-186932 ↗
    10-K2026-02-262025-12-310001193125-26-076496 ↗
    8-K2026-02-102026-02-090001193125-26-044638 ↗
    8-K2026-01-272026-01-270001193125-26-024400 ↗
    10-Q2025-10-302025-09-300001193125-25-257610 ↗
    8-K2025-10-282025-10-280001193125-25-253477 ↗
    8-K2025-08-272025-08-270001193125-25-189680 ↗
    10-Q2025-07-312025-06-300000950170-25-100572 ↗
    8-K2025-07-292025-07-290000950170-25-099619 ↗
    8-K2025-07-152025-07-150001193125-25-159412 ↗