What is the 13F Pro Quality Score for UMBF?

13F Pro ranks UMB FINANCIAL CORP (UMBF) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UMBF's current score at https://13fpro.ai/company/UMBF (free sign-up required for the full ranking).

Which hedge funds own the most UMBF stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of UMBF include BlackRock,, UMB Bank, n.a., VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/UMBF as soon as new 13F filings post.

Where does 13F Pro source UMBF data?

All UMB FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. UMB FINANCIAL CORP files with the SEC under CIK 101382. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UMBF in?

UMB FINANCIAL CORP (UMBF) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives UMBF's revenue?

Per UMB FINANCIAL CORP's latest 10-Q filed with the SEC on 2026-07-30, the biggest revenue drivers are: Net interest income ($532.5M, +14.0% YoY); Noninterest income ($245.5M, +10.5% YoY); Trust and securities processing ($98.3M, +18.1% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/UMBF.

What are UMBF's largest expenses?

UMB FINANCIAL CORP's latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($227.2M, +6.4% YoY); Processing fees ($43.1M, -1.3% YoY); Amortization of other intangible assets ($23.5M, -7.2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is UMBF research updated on 13F Pro?

UMBF's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UMB FINANCIAL CORP(UMBF)Stock Analysis

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13F Pro Quality Score

77.3/100

Rank #70 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

91.1/100

Profitability

93.9/100

Balance Sheet

47.1/100

Earnings Quality

45.5/100

Free Cash Flow

88.5/100

Institutional Flow

76.2/100

Revenue Scale

69.2/100

Dilution Risk

47.8/100

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Why UMBF Scores 77/100

exact factor attribution · 2026-09-11

UMBF's composite is driven by revenue growth and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.0 pts

91th pct

Profitability

+8.8 pts

94th pct

Free cash flow

+5.8 pts

89th pct

Scale

+3.8 pts

69th pct

Earnings growth

+2.5 pts

88th pct

Institutional flow

+1.8 pts

76th pct

Shareholder dilution

-0.1 pts

48th pct

Capital efficiency

-0.4 pts

47th pct

Earnings quality

-0.5 pts

46th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in UMBF

Events flagged as statistical outliers against UMBF's own multi-year baseline — not fixed dollar thresholds.

Insider cluster2026-09-01
2 insiders bought $135,021 of UMBF in 30 days — 3.8σ above this company's 2-year norm
View source filing →

UMBF Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for UMB FINANCIAL CORP (UMBF), 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 2,961 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. UMB FINANCIAL CORP's 13F Pro composite quality score has ranged between 36 and 77 since 2026, currently 77.3 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving UMBF's Business? Latest 10-Q Breakdown

✓ 40/40 datapoints verified

AI-extracted from UMB FINANCIAL CORP's 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

Bankcard fees$30.0M+3.2% YoY

Higher interchange income, increased merchant revenue share, and lower rebate costs

Investment securities gains, net$27.1M-28.1% YoY

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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$778.0M

Net Income

Q2 2026

$277.6M

Free Cash Flow

Q2 2026

$330.8M

ROIC

Q2 2026

16.5%

D/E Ratio

Q2 2026

0.06

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+62.8% YoY

$2.65BFY 2025

FY22 $1.47BFY23 $1.46BFY24 $1.63BFY25 $2.65B

Net Income

+59.2% YoY

$702.4MFY 2025

FY22 $431.7MFY23 $350.0MFY24 $441.2MFY25 $702.4M

EPS (Diluted)

+3.3% YoY

$9.29FY 2025

FY22 $8.86FY23 $7.18FY24 $8.99FY25 $9.29

Total Assets

+45.0% YoY

$73.09BFY 2025

FY22 $38.51BFY23 $44.01BFY24 $50.41BFY25 $73.09B

Total Debt

+23.1% YoY

$474.2MFY 2025

FY22 $381.3MFY23 $2.18BFY24 $385.3MFY25 $474.2M

Op. Cash Flow

+355.7% YoY

$1.03BFY 2025

FY22 $769.6MFY23 $472.6MFY24 $225.3MFY25 $1.03B

Free Cash Flow

+376.5% YoY

$978.1MFY 2025

FY22 $717.8MFY23 $449.5MFY24 $205.3MFY25 $978.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$2.65B +62.8%	$1.63B +11.4%	$1.46B -0.4%	$1.47B +14.4%	$1.28B -0.7%	$1.29B
Net Income	$702.4M +59.2%	$441.2M +26.1%	$350.0M -18.9%	$431.7M +22.3%	$353.0M +23.2%	$286.5M
EPS (Diluted)	$9.29 +3.3%	$8.99 +25.2%	$7.18 -19.0%	$8.86 +22.4%	$7.24 +22.1%	$5.93
Total Assets	$73.09B +45.0%	$50.41B +14.5%	$44.01B +14.3%	$38.51B -9.8%	$42.69B +28.9%	$33.13B
Total Debt	$474.2M +23.1%	$385.3M -82.4%	$2.18B +472.6%	$381.3M +40.4%	$271.5M +0.7%	$269.6M
Operating Cash Flow	$1.03B +355.7%	$225.3M -52.3%	$472.6M -38.6%	$769.6M +44.1%	$534.1M +43.0%	$373.6M
Free Cash Flow	$978.1M +376.5%	$205.3M -54.3%	$449.5M -37.4%	$717.8M +43.5%	$500.4M +59.7%	$313.4M

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Available Research

13F Pro tracks comprehensive data for UMB FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UMBF

BlackRock, Inc.
$1.5B10,215,651 sh
UMB Bank, n.a.
$667.4M4,674,963 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$601.5M4,213,123 sh
STATE STREET CORP
$591.8M4,133,285 sh
VANGUARD CAPITAL MANAGEMENT LLC
$446.9M3,130,338 sh
DIMENSIONAL FUND ADVISORS LP
$432.7M3,030,849 sh
FMR LLC
$381.4M2,671,666 sh
GEODE CAPITAL MANAGEMENT, LLC
$294.8M2,064,907 sh
WELLINGTON MANAGEMENT GROUP LLP
$240.9M1,687,247 sh
Neuberger Berman Group LLC
$223.0M1,562,240 sh

Fund	Value	Shares
BlackRock, Inc.	$1.5B	10,215,651
UMB Bank, n.a.	$667.4M	4,674,963
VANGUARD PORTFOLIO MANAGEMENT LLC	$601.5M	4,213,123
STATE STREET CORP	$591.8M	4,133,285
VANGUARD CAPITAL MANAGEMENT LLC	$446.9M	3,130,338
DIMENSIONAL FUND ADVISORS LP	$432.7M	3,030,849
FMR LLC	$381.4M	2,671,666
GEODE CAPITAL MANAGEMENT, LLC	$294.8M	2,064,907
WELLINGTON MANAGEMENT GROUP LLP	$240.9M	1,687,247
Neuberger Berman Group LLC	$223.0M	1,562,240

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Is UMBF a good stock to buy?

13F Pro's AI-powered analysis of UMB FINANCIAL CORP (UMBF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UMBF are available on the UMBF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. UMBF is classified as a large company.

Which hedge funds own UMBF?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UMBF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UMB FINANCIAL CORP's investment landscape.