Welcome to our dedicated page for Umb Financial SEC filings (Ticker: UMBF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
UMB Financial Corporation (NASDAQ: UMBF) files a range of documents with the U.S. Securities and Exchange Commission that describe its financial condition, operations and material events. As a Missouri-incorporated financial services company in the commercial banking industry, UMB uses SEC filings to report information relevant to shareholders, creditors and other market participants.
On this UMBF SEC filings page, Stock Titan surfaces reports such as Form 8-K current reports, which UMB uses to announce events like quarterly earnings results and dividend declarations. For example, the company has filed an 8-K to furnish a press release detailing financial results for a quarter and to disclose board-approved dividends on its common and Series B preferred stock. These filings often include or reference exhibits such as earnings press releases and investor presentation materials.
In addition to current reports, investors can consult UMB’s annual and quarterly reports (Forms 10-K and 10-Q, when available) for more extensive discussions of net interest income, noninterest income, loan and deposit balances, efficiency ratio, returns on assets and equity, and the impact of acquisitions such as Heartland Financial USA, Inc. These periodic reports also describe segment-level activities across commercial banking, personal banking and institutional banking, including asset servicing, corporate trust solutions, investment banking and healthcare services.
Stock Titan enhances access to UMB’s regulatory disclosures by providing real-time updates from the SEC’s EDGAR system and AI-powered summaries that explain the key points of lengthy filings. Users can quickly identify items related to earnings, capital actions, dividends and other material developments without reading every page. This page also helps track insider and capital structure information through relevant forms, giving a structured view of how UMB communicates with regulators and the investing public.
UMB Financial Corporation filed a current report describing recent financial communications and cash dividends. The company issued a press release with its financial results for the quarter and period ended December 31, 2025, and furnished an investor presentation that will be used on its shareholder conference call on January 28, 2026. These materials are furnished, not filed, which limits their use in certain securities law contexts.
The company also announced that its board declared a quarterly cash dividend of $0.43 per share on common stock, payable on April 1, 2026, to stockholders of record as of March 10, 2026. In addition, the board declared a dividend of $193.75 per share on its Series B 7.750% preferred stock, equal to $0.484375 per depositary share, payable on April 15, 2026, to preferred stockholders of record as of March 31, 2026.
UMB Financial Corp's Chief Financial Officer reported a routine share transaction in company stock. On 12/31/2025, the officer disposed of 926 shares of common stock in a transaction coded "F" at a price of $115.04 per share, which typically reflects shares withheld to cover taxes on equity awards.
Following this transaction, the officer beneficially owned 30,251.1405 shares of UMB Financial common stock directly, 1,437.179 shares through a 401(k) plan, and 87.093 shares through an employee stock ownership plan. This filing reflects an administrative adjustment to holdings rather than an open‑market trade.
UMB Financial Corp's Chief Credit Officer, Mr. Terry, reported a disposition of 400 shares of common stock on 12/12/2025 in a transaction coded "G" at a price of $0 per share. After this transaction, he beneficially owns 35,622.3105 shares directly and 5,004.343 shares indirectly through an ESOP.
UMB Financial Corp (UMBF) reported an insider transaction by a director. On 11/10/2025, the director sold 460 shares of common stock at $110.71 per share (transaction code S).
Following the sale, the director beneficially owned 12,089.668 shares directly, plus 8,040.001 shares held indirectly by an IRA and 444.161 shares held indirectly by a Roth IRA. The filing indicates it was submitted by one reporting person.
UMB Financial Corp (UMBF) reported an insider share purchase by a director. On November 3, 2025, the director bought 185.0199 shares of common stock at $106.41 per share (transaction code P).
After this trade, the director directly owned 9,127.5437 shares. The filing notes that this total includes shares acquired through the company’s dividend reinvestment plan.
UMB Financial Corp. (UMBF) reported an insider purchase on a Form 4. A director bought 264.3141 shares of common stock at $106.41 on 11/03/2025 (Transaction Code P).
Following the transaction, the director beneficially owned 38,410.5207 shares, held directly. The filing notes the total includes shares acquired through participation in UMB Financial Corporation’s dividend reinvestment plan.
UMBF reported an insider transaction. A company officer (President, Private Wealth Mgmt) sold 1,300 shares of UMB Financial Corp common stock at a weighted average price of $106.09 on 11/04/2025. The filing notes the trades occurred between $106.04 and $106.20. After the sale, the officer beneficially owns 13,666.81 shares directly and 65.925 shares indirectly via ESOP.
UMB Financial (UMBF) reported an insider equity award. The Chairman and CEO, a director and officer, acquired 5,613 shares on 10/31/2025 at $0, reported as restricted share units. Following the transaction, direct beneficial ownership is 329,479.2177 shares. The award vests 33% on October 31, 2026, 33% on October 31, 2027, and 34% on October 31, 2028. Additional indirect holdings are reported through family trusts and affiliated entities.
UMB Financial Corporation reported stronger results for the quarter ended September 30, 2025. Net income was $188.3 million and diluted EPS was $2.36, compared with $109.6 million and $2.23 a year ago. Net interest income rose to $475.0 million, with a $22.5 million provision for credit losses. Noninterest income was $203.3 million, while noninterest expense increased to $419.3 million, including $25.3 million of intangible amortization.
For the first nine months of 2025, net income totaled $487.0 million. The balance sheet expanded materially: total assets reached $71.9 billion versus $50.4 billion at December 31, 2024; deposits were $60.1 billion versus $43.1 billion. Loans were $37.7 billion (vs. $25.6 billion) and available‑for‑sale securities were $13.38 billion (vs. $7.77 billion). Shareholders’ equity increased to $7.44 billion, reflecting a $2.898 billion stock issuance for an acquisition, a $294.1 million Series B preferred issuance, and a $115.0 million preferred redemption. Other comprehensive income added $117.2 million in the quarter. Shares outstanding were 75,954,660 as of October 27, 2025.
UMB Financial Corporation furnished its financial results for the quarter ended September 30, 2025, and announced shareholder materials for a conference call at 8:30 a.m. CT on October 29, 2025.
The Board declared a quarterly common dividend of $0.43 per share, payable on January 2, 2026 to shareholders of record as of December 10, 2025. It also declared a Series B preferred dividend of $193.75 per share, which equals $0.484375 per depositary share, payable on January 15, 2026 to holders of record as of December 31, 2025. The earnings press release (Exhibit 99.1), investor presentation (Exhibit 99.2), and dividend press release (Exhibit 99.3) were furnished.