Umb Financial Corp (UMBFO) — SEC Filings
Umb Financial Corp (UMBFO) — 37 SEC filings. Latest: 10-Q (Oct 30, 2025). Includes 21 8-K, 6 10-Q, 3 SC 13G/A.
View Umb Financial Corp on SEC EDGAR
Overview
Umb Financial Corp (UMBFO) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Oct 30, 2025: UMB Financial Corporation reported a significant increase in net income and revenue for the three and nine months ended September 30, 2025, largely driven by the acquisition of Heartland Financial USA, Inc. on January 31, 2025. Net income available to common shareholders rose to $180.37 million for
Sentiment Summary
Across 37 filings, the sentiment breakdown is: 2 bullish, 33 neutral, 2 mixed. The dominant filing sentiment for Umb Financial Corp is neutral.
Filing Type Overview
Umb Financial Corp (UMBFO) has filed 6 10-Q, 21 8-K, 2 8-K/A, 2 DEF 14A, 2 10-K, 1 SC 13D/A, 3 SC 13G/A with the SEC between Jan 2024 to Oct 2025.
Filings by Year
Recent SEC Filings (37)
Risk Profile
Risk Assessment: Of UMBFO's 30 recent filings, 0 were flagged as high-risk, 12 as medium-risk, and 18 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $3.06B |
| Net Income | $475.07M |
| EPS | $4.00 |
| Total Assets | $71.88B |
Key Executives
- Kemper J. Mariner
- John C. Pauls
Industry Context
UMB Financial Corp operates in the highly competitive banking and financial services industry. The sector is characterized by ongoing consolidation, technological advancements, and evolving regulatory landscapes. Recent trends include a focus on digital transformation, increased competition from fintech companies, and the impact of interest rate fluctuations on profitability.
Top Tags
amendment (6) · financial-reporting (5) · financials (5) · financial-statements (4) · corporate-governance (4) · 10-Q (4) · 8-K (3) · banking (3) · acquisition (3) · corporate-filing (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Total Assets | $71.88B | Increased from $50.41B at Dec 31, 2024, reflecting significant growth post-acquisition. |
| Loans | $37.71B | Increased from $25.64B at Dec 31, 2024, a 47% rise, primarily due to the Heartland acquisition. |
| Net Income (3 months) | $188.32M | Up 71.8% from $109.64M in Q3 2024, demonstrating strong quarterly performance. |
| Net Income (9 months) | $487.04M | Up 51.6% from $321.25M in the prior nine-month period, indicating robust year-to-date growth. |
| Total Interest Income (3 months) | $878.90M | Increased 57.6% from $557.69M in Q3 2024, driven by loan growth and higher interest rates. |
| Provision for Credit Losses (9 months) | $129.50M | Significantly increased from $42.05M in the prior nine-month period, raising concerns about asset quality. |
| Total Deposits | $60.14B | Increased from $43.14B at Dec 31, 2024, a 39.4% rise, reflecting deposit growth from the acquisition. |
| Basic EPS (3 months) | $2.38 | Increased from $2.25 in Q3 2024, showing improved profitability per share. |
| Capital Surplus | $4.00B | Increased from $1.15B at Dec 31, 2024, primarily due to the stock issuance for the acquisition. |
| Common Shares Outstanding | 75,954,660 | As of October 27, 2025, a substantial increase from 48,814,177 shares at Dec 31, 2024, due to acquisition-related issuance. |
| Net Income Q2 2025 | $105.3M | Decreased from $112.1M in Q1 2025 |
| Total Revenue H1 2025 | $750.2M | Increased 3.36% from $725.8M in H1 2024 |
| Total Loans | $25.8B | Increased from $25.1B at year-end 2024 |
| Non-Performing Assets | $85.6M | Represents 0.33% of total assets, indicating stable credit quality |
| Allowance for Credit Losses | $280.5M | Decreased from $285.2M at year-end 2024 |
Forward-Looking Statements
- {"claim":"Vanguard will maintain a significant, passive stake in UMB Financial Corp.","entity":"The Vanguard Group","targetDate":"Next 12 months","confidence":"high"}
- {"claim":"UMB Financial Corp's stock will continue to be viewed favorably by institutional investors due to Vanguard's holding.","entity":"UMB Financial Corp","targetDate":"Next 6 months","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Umb Financial Corp (UMBFO)?
Umb Financial Corp has 37 recent SEC filings from Jan 2024 to Oct 2025, including 21 8-K, 6 10-Q, 3 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of UMBFO filings?
Across 37 filings, the sentiment breakdown is: 2 bullish, 33 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Umb Financial Corp SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Umb Financial Corp (UMBFO) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Umb Financial Corp?
Key financial highlights from Umb Financial Corp's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for UMBFO?
The investment thesis for UMBFO includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Umb Financial Corp?
Key executives identified across Umb Financial Corp's filings include Kemper J. Mariner, John C. Pauls.
What are the main risk factors for Umb Financial Corp stock?
Of UMBFO's 30 assessed filings, 0 were flagged high-risk, 12 medium-risk, and 18 low-risk.
What are recent predictions and forward guidance from Umb Financial Corp?
Recent forward-looking statements from Umb Financial Corp include guidance on {"claim":"Vanguard will maintain a significant, passive stake in UMB Financial Corp.","entity":"The Vanguard Group","tar and 1 other predictions.