Pulling SEC filings + quote and writing the call…

UMB FINANCIAL CORP
Next earnings Jul 27, 2026 · consensus $3.16 EPS, $740M rev
Last earnings +1.0% on 2026-04-28
UMB grew net income 59% and scaled to $73B in assets via the HTLF merger, yet trades at just 14.3x — value if integration delivers.
Sources: SEC EDGAR (CIK 0000101382, latest 10-Q filed 2026-04-30) · EODHD · analysis by claude-code · as of 6/21/2026, 8:47:24 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.
Quality fundamentals and an attractive price line up (~146% below fair value) — the rarer case where both the business and the entry look good.
UMB Financial is a well-run Kansas City-based regional bank that transformed its scale in 2025 through the acquisition of Heartland Financial (HTLF). The merger explains the dramatic balance-sheet jumps: total assets grew 45.0% to $73.1B, stockholders' equity surged 121.9% to $7.69B (reflecting stock issued as consideration), and shares rose 4.9%. Net income climbed 59.2% to $702M, though diluted EPS grew only 3.3% to $9.29 because of the larger share count — a reminder that the per-share benefit depends on realizing merger synergies, which management explicitly flags as a risk.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $353M | $432M | $350M | $441M | $702M |
| Diluted EPS | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1046 tracked peers · median
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 0 open-market buys · 4 sales
| 2026-06-10 | Gallagher Kevin Charles Director | Sell | 381.00 @ $132.88 | $50.6K |
| 2026-06-10 | Wilson Uma Executive Vice President | Exercise | 922.00 @ $75.25 | $69.4K |
| 2026-06-10 | Wilson Uma Executive Vice President | Sell | 922.00 @ $133.05 | $123K |
| 2026-06-09 | Rine James D President | Sell | 7.17K @ $132.49 | $950K |
| 2026-06-09 | Rine James D President | Sell | 1.07K @ $133.22 | $143K |
| 2026-05-01 | Murphy Timothy R. Director | Award | 116.00 @ $129.24 | $15.0K |
| 2026-05-01 | SCHMIDT JOHN K Director | Award | 116.00 @ $129.24 | $15.0K |
| 2026-05-01 | Williams Leroy James Jr Director | Award | 116.00 @ $129.24 | $15.0K |
| 2026-05-01 | SOSLAND L JOSHUA Director | Award | 116.00 @ $129.24 | $15.0K |
| 2026-05-01 | ROBBINS KRIS A Director | Award | 116.00 @ $129.24 | $15.0K |