UMB FINANCIAL CORP
In the published model solve dated 2026-Q2, anchored at $146.74, UMB FINANCIAL CORP (UMBF) is priced for more than 13.5% return on equity. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed July 25, 2026 from SEC EDGAR filings.
• One number settles this bank: the return it earns on shareholders' capital, recently running about 9.5% on a trailing basis, against a price paying about 1.4 times book value. • The equity base nearly doubled in a single stroke, because ⟦"The Company acquired HTLF on January 31, 2025"⟧, which is why the share count has climbed roughly 11.8% a year over four years and why the return on that enlarged base is the whole argument. • Net interest margin reached 3.38% in the quarter to March 31, 2026
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432 institutional managers reported holding UMBF in 13F filings for the quarter ended 2026-03-31. Together they hold about 91% of the company; the top 10 hold 51%. 62 opened new positions that quarter. Held by BlackRock, Vanguard Group, State Street, among others. On the short side, 3.6M shares were sold short as of the 2026-06-15 count, about 5% of shares outstanding (6.1 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
UMBF's share count grew 57.4% over the past five years even with $99.96M spent on repurchases. It pays a dividend, and has paid one every year in our records (17 and counting), raised 16 years straight; the current rate is $1.63 a share annually. Cash returned over the past three years: $289.73M in dividends and $58.65M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at UMBF over the trailing three years: 2023: 4 buys totaling $82k; 2024: 6 buys totaling $184k; 2025: 8 buys totaling $191k; 2026: 2 buys totaling $48k. 29 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
UMBF's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-07-28 | +4.4% | -12.1% |
| 2023-10-27 | +2.1% | +34.9% |
| 2024-02-23 | -3.3% | +3.1% |
| 2024-05-08 | +3.5% | +3.8% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
UMBF's latest 8-K filings: 2026-07-28 (items 2.02, 8.01, 9.01); 2026-04-30 (items 5.07, 9.01); 2026-04-28 (items 2.02, 8.01, 9.01); 2026-02-10 (items 5.02, 9.01); 2026-01-27 (items 2.02, 8.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 25, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.