UMB FINANCIAL CORP(UMBF)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
UMB FINANCIAL CORP (UMBF) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores UMBF at 77.3/100 on a 32-signal composite quality model, placing it at rank #70 of 2,960 stocks — the top 5% of the AI-ranked universe. UMBF scores in the top quartile across profitability (93.9), revenue growth (91.1), free cash flow (88.5). Shareholder dilution risk is elevated at 47.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), UMB FINANCIAL CORP reports quarterly revenue of $778.0M, net income of $277.6M, free cash flow of $330.8M. Top institutional holders of UMBF by reported 13-F value include BlackRock, UMB Bank, n.a., VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. UMBF trades on the Nasdaq exchange and files with the SEC under CIK 101382. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UMBF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UMB FINANCIAL CORP directly from SEC EDGAR.
AI Quality Score
77.3/100
AI Rank
#70
Revenue
$778.0M
Net Income
$277.6M
Free Cash Flow
$330.8M
UMBF key financials by period
UMB FINANCIAL CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$2.7B
$702.4M
33.0%
FY 2024
10-K
$1.6B
$441.2M
33.2%
FY 2023
10-K
$1.5B
$350.0M
28.8%
FY 2022
10-K
$1.5B
$431.7M
36.2%
FY 2021
10-K
$1.3B
$353.0M
33.5%
FY 2020
10-K
$1.3B
$286.5M
26.2%
Institutions holding UMBF
Institutional investors reporting a position in UMB FINANCIAL CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-30 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q2 2026 total revenue rose 12.9% to $778.0M as net interest income grew 14.0% to $532.5M on favorable deposit repricing, lifting net income to $277.6M ($3.56 diluted).
Biggest Revenue Drivers
Net interest income$532.5M+14.0% YoY
Favorable repricing of deposits with lower short-term rates, plus $4.2B higher average loans and $2.2B higher average securities
Noninterest income$245.5M+10.5% YoY
Growth in trust and securities processing, brokerage and other income, partly offset by lower investment securities gains
Biggest Revenue Drivers
Total revenue: $778.0M+12.9% YoY
Net interest income$532.5M+14.0% YoY
Favorable repricing of deposits with lower short-term rates, plus $4.2B higher average loans and $2.2B higher average securities
Noninterest income$245.5M+10.5% YoY
Growth in trust and securities processing, brokerage and other income, partly offset by lower investment securities gains
Within Noninterest income
Trust and securities processing$98.3M+18.1% YoY
Fund services revenue +$9.1M, corporate trust +$3.9M, and trust income +$2.0M
Prior-year quarter included a $29.4M Voyager Technologies IPO gain; current quarter had a $17.9M non-marketable security sale gain
Largest Expense Items
Salaries and employee benefits$227.2M+6.4% YoY
Higher deferred compensation expense and bonus/commission from company performance, partly offset by prior-year HTLF severance and retention payments
Processing fees$43.1M-1.3% YoY
Filing gives no specific driver
Amortization of other intangible assets$23.5M-7.2% YoY
Lower amortization on the core deposit intangible recognized from the HTLF acquisition
Legal and consulting$14.4M-21.9% YoY
Decrease in non-recurring transaction costs associated with the 2025 acquisition
Margins: Net interest margin on a tax-equivalent basis rose 22 basis points to 3.32%, and net interest spread widened 34 basis points, as the cost of interest-bearing liabilities fell 54 bps versus a 20 bps decline in earning-asset yield.
Watch Items from the Filing
Commercial real estate is 40.3% of loans; investment CRE is 25.7%, concentrated in Texas 12.0%, Missouri 12.0%, Arizona 11.9%, and Colorado 11.5%.
Estimated uninsured deposits were $38.2 billion, or 64.0% of total deposits; 48.4% excluding affiliate and collateralized deposits.
Provision for credit losses rose to $28.0M from $21.0M; nonaccrual loans increased $30.5M YoY to $127.5M, with ACL flat at 1.06% of loans.
Held-to-maturity securities carry a $477.0 million unrealized pre-tax loss, 8.3% of the $5.7 billion amortized cost, unrecognized in equity.
Total deposits fell $890.1M, or 1.5%, since December 31, 2025, with noninterest-bearing deposits down to 27.1% of total from 30.8% a year earlier.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
