136.65
+2.15%
Close of 9 Nov 2026, in USD
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About UMB Financial
From its filings with the US Securities and Exchange Commission
UMB Financial is based in Kansas City, Missouri and is incorporated in Missouri. Its shares trade on Nasdaq under the ticker UMBF. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $702.4m. At that date it held total assets of $73.09bn and shareholders' equity of $7.69bn.
The Company was organized as a corporation under Missouri law in 1967 and is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the BHCA) and a financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the GLBA). The Company currently owns all of the outstanding stock of one national bank and several nonbank subsidiaries.
On January 31, 2025, the Company acquired all of the outstanding stock of Heartland Financial USA, Inc., a Delaware corporation (HTLF), in an all-stock transaction, issuing a total of 23.6 million shares of the Company’s common stock and 4.6 million depositary shares, each representing a 1/400th interest in a share of the Company’s 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A (the Company’s preferred stock). Pursuant to the Agreement and Plan of Merger, dated as of April 28, 2024, (i) HTLF merged with and into the Company, with the Company continuing as the surviving corporation and (ii) one day after the closing date of the acquisition of HTLF by the Company, HTLF’s wholly owned bank subsidiary, a Colorado-chartered non-member bank (HTLF Bank), merged with and into UMB Bank, National Association, the Company’s national bank subsidiary (the Bank), with the Bank continuing as the surviving bank.
Quoted from its 10-K, filed 26 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 17 Mar 1980
- Employees
- 5,222
- Website
- umbfinancial.com ↗
- Head office
- 1010 GRAND AVE, KANSAS CITY, MO, 64106
- Incorporated in
- MO
- Classification
- National Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. J. Mariner KemperChairman of the Board, Chief Executive Officer, since 1997$6.6m
- Mr. James RinePresident$3.6m
- Mr. Ram ShankarChief Financial Officer, Executive Vice President$1.8m
- Ms. Elizabeth LewisPresident of Consumer Banking
- Mr. Phillip MasonPresident of Institutional Banking
- Mr. Nikki NewtonPresident of Private Wealth Management of UMB Bank$1.4m
- Mr. Robert BeairdExecutive Vice President, Chief Human Resources Officer
- Ms. Shannon JohnsonExecutive Vice President, Chief Administrative Officer$1.7m
- Ms. Uma WilsonExecutive Vice President, Chief Information and Product Officer
- Ms. Stacy KingExecutive Vice President, Chief Risk Officer
- Mr. John PaulsExecutive Vice President, General Counsel, Corporate Secretary of the Company and the Bank
- Ms. Amy HarrisExecutive Vice President, Chief Legal Officer
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 52
- Environment
- 21
- Social
- 68
- Governance
- 67
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- UMB Financial Corp boasts a strong financial position, with consistent revenue growth and solid profit margins. Its diverse range of financial products and services allows for multiple revenue streams and positions the company well in the competitive market. UMB Financial Corp also has a strong brand image and a well-established customer base, leading to customer loyalty and trust.
- Additionally, UMB Financial Corp has a dedicated and knowledgeable workforce, comprising skilled professionals in the financial industry, who contribute to the company's success. The company's robust technological infrastructure further enhances operational efficiency and customer convenience.
Weaknesses
- Despite its strengths, UMB Financial Corp faces certain weaknesses that require attention. The company has limited geographic presence, primarily operating in select regions. This limits its potential customer reach and exposes it to regional economic fluctuations.
- Furthermore, UMB Financial Corp may face challenges in adapting quickly to emerging technologies and industry trends. This could impact its competitiveness and ability to meet evolving customer expectations. The company's dependence on traditional banking services may also restrict its diversification opportunities in the digital era.
Opportunities
- The dynamic financial market presents numerous opportunities for UMB Financial Corp. Expansion into new geographic regions can lead to increased market share and revenue. The company can leverage its strong brand and customer trust to cross-sell additional financial products and enter untapped segments.
- Moreover, embracing emerging technologies, such as fintech and digital banking, can unlock new opportunities for growth and customer engagement. UMB Financial Corp can also explore strategic partnerships and acquisitions to enhance its capabilities and expand its reach into different financial sectors.
Threats
- UMB Financial Corp operates in a highly competitive industry, facing constant threats from traditional banks as well as new market entrants. Intense competition can put pressure on pricing and erode profit margins. Additionally, regulatory changes in the financial sector can pose compliance challenges and increase operational costs.
- The rapid advancement of technology also presents a threat, as UMB Financial Corp must continuously invest in innovation to stay at par with industry standards. Cybersecurity risks, including data breaches and fraudulent activities, pose significant threats to the company's reputation and customer trust.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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