UMB Financial Corporation is an American financial services holding company founded in 1913 as City Center Bank and based in Kansas City, Missouri. It offers complete banking, payment solutions, asset servicing and institutional investment management to customers

Company profile
Ticker
UMBF
Exchange
Website
CEO
J. Mariner Kemper
Employees
Incorporated
Location
Fiscal year end
Sector
Industry (SIC)
Former names
UNITED MISSOURI BANCSHARES INC
SEC CIK
Corporate docs
Subsidiaries
UMB Capital Corporation • UMB Banc Leasing Corporation • UMB Trust Company • UMB Insurance, Inc. • Kansas City Realty Company • UMB Realty Company, LLC • Kansas City Financial Corporation • UMB Colorado Property, LLC • Conifer Properties, LLC • Meridian AZ Properties, LLC ...
IRS number
430903811
UMBF stock data
News
Raymond James Maintains Outperform on UMB Financial, Raises Price Target to $110
28 Jul 22
UMB Financial Q2 EPS $2.83 Beats $1.90 Estimate
26 Jul 22
Earnings Scheduled For July 26, 2022
26 Jul 22
UMB Financial's Earnings Outlook
25 Jul 22
Raymond James Maintains Outperform on UMB Financial, Lowers Price Target to $108
7 Jul 22
Press releases
UMB Financial Corporation Reports Second Quarter Net Income of $137.6 Million
26 Jul 22
UMB Announces Conference Call to Discuss Second Quarter 2022 Results
6 Jul 22
UMB Healthcare Services Announces Agreement to Acquire HSA Business from Old National Bank
27 Jun 22
UMB Financial Corporation Becomes First Bank to Deploy Intain's Verification Agent; Activates Key Module of Administration Service for Structured Finance
24 May 22
Analyst ratings and price targets
Calendar
28 Jul 22
19 Aug 22
31 Dec 22
Financial summary
Quarter (USD) | Jun 22 | Mar 22 | Dec 21 | Sep 21 | |
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Diluted EPS |
Annual (USD) | Dec 21 | Dec 20 | Dec 19 | Dec 18 | |
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Revenue | |||||
Cost of revenue | |||||
Operating income | |||||
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Diluted EPS |
Cash burn rate (est.) | Burn method: Change in cash | Burn method: Operating income | Burn method: FCF (opex + capex) | Last Q | Avg 4Q | Last Q | Avg 4Q | Last Q | Avg 4Q |
---|---|---|---|---|---|---|
Cash on hand (at last report) | 2.12B | 2.12B | 2.12B | 2.12B | 2.12B | 2.12B |
Cash burn (monthly) | 1.52B | 277.93M | (no burn) | (no burn) | (no burn) | (no burn) |
Cash used (since last report) | 2.56B | 467.32M | n/a | n/a | n/a | n/a |
Cash remaining | -445M | 1.65B | n/a | n/a | n/a | n/a |
Runway (months of cash) | -0.3 | 5.9 | n/a | n/a | n/a | n/a |
Recent insider trades
Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
---|---|---|---|---|---|---|---|---|---|---|
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.13 | 342 | 33.9K | 6,784.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.12 | 20 | 1.98K | 7,126.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.11 | 100 | 9.91K | 7,146.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.1 | 404 | 40.04K | 7,246.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.05 | 1 | 99.05 | 7,650.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.03 | 100 | 9.9K | 7,651.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.02 | 154 | 15.25K | 7,751.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99.01 | 22 | 2.18K | 7,905.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 99 | 448 | 44.35K | 7,927.904 |
16 Aug 22 | Martin Dominic Karaba | Common Stock | Sell | Dispose S | No | No | 98.99 | 605 | 59.89K | 8,375.904 |
Institutional ownership, Q2 2022
21.4% owned by funds/institutions
13F holders | Current |
---|---|
Total holders | 252 |
Opened positions | 32 |
Closed positions | 32 |
Increased positions | 88 |
Reduced positions | 88 |
13F shares | Current |
---|---|
Total value | 3.91B |
Total shares | 46.39M |
Total puts | 1.3K |
Total calls | 4.8K |
Total put/call ratio | 0.3 |
Largest owners | Shares | Value |
---|---|---|
Umb Bank N A | 5.81M | $500.55M |
BLK Blackrock | 5.35M | $460.64M |
Vanguard | 4.18M | $360.08M |
STT State Street | 3.7M | $319.79M |
American Century Investment Management | 3.28M | $199.8M |
Allspring Global Investments | 1.69M | $145.08M |
American Century Companies | 1.68M | $144.56M |
Victory Capital Management | 1.52M | $131.09M |
Champlain Investment Partners | 1.29M | $110.9M |
Dimensional Fund Advisors | 1.07M | $92.47M |
Financial report summary
?Management Discussion
- ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
- This Management’s Discussion and Analysis highlights the material changes in the results of operations and changes in financial condition for each of the three years in the period ended December 31, 2021. It should be read in conjunction with the accompanying Consolidated Financial Statements, Notes to Consolidated Financial Statements, and other financial statistics appearing elsewhere in this Annual Report on Form 10-K. Results of operations for the periods included in this review are not necessarily indicative of results to be attained during any future period.
- From time to time the Company has made, and in the future will make, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “believe,” “expect,” “anticipate,” “intend,” “estimate,” “project,” “outlook,” “forecast,” “target,” “trend,” “plan,” “goal,” or other words of comparable meaning or future-tense or conditional verbs such as “may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey the Company’s expectations, intentions, or forecasts about future events, circumstances, results, or aspirations.
Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. sophomore Bad
|
New words:
chain, inflation
Removed:
bottom, Chef, FICO, refinance, release, Tattooed, TTCF, variance
Financial reports
Current reports
8-K
Departure of Directors or Certain Officers
29 Jul 22
8-K
UMB Financial Corporation Reports Second Quarter Net Income of $137.6 Million
26 Jul 22
8-K
UMB Healthcare Services Announces Agreement to Acquire HSA Business from Old National Bank
27 Jun 22
8-K
Submission of Matters to a Vote of Security Holders
29 Apr 22
8-K
UMB Financial Corporation Reports First Quarter Net Income of $106.0 Million
26 Apr 22
8-K
UMB Financial Corporation Reports Fourth Quarter Net Income of $78.5 Million and Record Full-Year Earnings of $353.0 Million
25 Jan 22
8-K
UMB Financial Corporation Reports Third Quarter Net Income of $94.5 Million
26 Oct 21
8-K
UMB Financial Corporation Reports Second Quarter Net Income of $87.4 Million; Announces 15.6% Increase to Quarterly Cash Dividend
27 Jul 21
8-K
Temporary Suspension of Trading Under Registrant's Employee Benefit Plans
16 Jul 21
8-K
Submission of Matters to a Vote of Security Holders
30 Apr 21
Registration and prospectus
S-3ASR
Automatic shelf registration
17 Aug 22
424B2
Prospectus for primary offering
16 Sep 20
FWP
Free writing prospectus
14 Sep 20
424B5
Prospectus supplement for primary offering
14 Sep 20
S-3ASR
Automatic shelf registration
9 Apr 19
S-8
Registration of securities for employees
1 May 18
8-A12B
Registration of securities on exchange
1 May 18
S-3ASR
Automatic shelf registration
4 Apr 16
S-3ASR
Automatic shelf registration
4 Apr 16
424B5
Prospectus supplement for primary offering
10 Sep 13
Ownership
4
UMB FINANCIAL / Martin Dominic Karaba ownership change
18 Aug 22
4
UMB FINANCIAL / Tamara Peterman ownership change
3 Aug 22
4
UMB FINANCIAL / GREG M GRAVES ownership change
3 Aug 22
4
UMB FINANCIAL / Uma Wilson ownership change
2 Aug 22
4
UMB FINANCIAL / Abigail M Wendel ownership change
2 Aug 22
4
UMB FINANCIAL / Thomas S Terry ownership change
2 Aug 22
4
UMB FINANCIAL / Nikki Farentino Newton ownership change
2 Aug 22
4
UMB FINANCIAL / Stacy H King ownership change
2 Aug 22
4
UMB FINANCIAL / Martin Dominic Karaba ownership change
2 Aug 22
4
UMB FINANCIAL / Robert Brian Beaird ownership change
2 Aug 22
Transcripts
2022 Q2
Earnings call transcript
30 Jul 22
2022 Q1
Earnings call transcript
27 Apr 22
2021 Q4
Earnings call transcript
26 Jan 22
2021 Q3
Earnings call transcript
27 Oct 21
2021 Q2
Earnings call transcript
28 Jul 21
2021 Q1
Earnings call transcript
1 May 21
2020 Q4
Earnings call transcript
27 Jan 21
2020 Q3
Earnings call transcript
28 Oct 20
2020 Q2
Earnings call transcript
29 Jul 20
2020 Q1
Earnings call transcript
29 Apr 20
Reddit threads
What stock in your portfolio doesn't get enough attention on this sub reddit?
9 Aug 22
Daily Discussion Thread - July 26th, 2022
26 Jul 22
Daily Discussion Thread - July 25th, 2022
25 Jul 22
Daily Discussion Thread - June 9th, 2022
9 Jun 22
Daily Discussion Thread - June 8th, 2022
8 Jun 22
Daily Discussion Thread - June 7th, 2022
7 Jun 22
Daily Discussion Thread - June 6th, 2022
6 Jun 22
Daily Discussion Thread - April 26th, 2022
26 Apr 22
Daily Discussion Thread - April 25th, 2022
25 Apr 22
Daily Discussion Thread - March 9th, 2022
9 Mar 22