UMB Financial Corporation (UMBF)

In October 2025, UMB Financial reported better-than-expected revenue and profit, completed the Heartland Financial acquisition integration, and increased its quarterly dividend. In December 2025, Seeking Alpha upgraded UMB Financial's stock to a "Buy" rating, citing the near completion of the Heartland Financial integration, robust credit quality, and a strong capital position. In January 2026, UMB Bank participated in a new credit facility for SelectQuote and announced a conference call to discuss its fourth-quarter 2025 financial results. As of January 13, 2026, the stock's closing price was $118.80, with a 52-week high of $126.14 and a low of $82.00. Analysts generally hold a "Buy" consensus rating for UMBF.

Information regarding demand seasonality for UMB Financial Corp.'s products and services is limited. Deposit balances seasonally tend to fall in the third quarter, with property tax payments expected to boost balances in the fourth quarter, suggesting some seasonality in deposit activity.

UMB Financial Corp. operates in the Financial Services sector, focusing on Major Banks and Regional Banks. The company is divided into three segments: Commercial Banking provides services to businesses and governmental entities, including loans and treasury management. Institutional Banking offers banking, fund, and asset management services to institutional clients. Personal Banking delivers consumer banking, wealth management, and financial planning services to individuals.

UMB Financial Corp. operates primarily in the Midwestern and Southwestern U.S., with banking and wealth management centers in Missouri, Minnesota, Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona, Texas, Iowa, and California. The company also has offices in Wisconsin, Pennsylvania, and Utah, and serves international clients with a presence in Ireland.

UMB Financial Corp. maintains a strong brand reputation. UMB Bank has been recognized as one of America's Best Banks by Forbes and S&P Global Market Intelligence. In 2025, Forbes included UMB Financial on its Global 2000 list, Global 2000: United States list, America's Best Banks list, and America's Best Companies list. No significant events negatively impacted UMB Financial Corp.'s brand reputation in the past year were found in the search results.

UMB Financial Corp. has a diverse ownership structure. Institutional shareholders hold approximately 87.78% of the stock. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., UMB Bank N.A./mo, State Street Corp, Wellington Management Group Llp, and Dimensional Fund Advisors Lp. Insiders own about 5.45% of the stock, while retail investors hold approximately 1.85%. J. Mariner Kemper is the largest individual shareholder, owning 3.60% of the company's shares.