UMBF
UMB Financial Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
-4/100
Last price
130.08
▲ 0.28 (0.22%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
129.58
Prev close
129.80
Day high
130.72
Day low
129.07
Volume
559.52K
Market cap
$9.88B
P/E (TTM)
10.82
52W range
103.38 – 153.32
Day trading desk
Gap from prior close
-0.17%
Prior close 129.80
VWAP
130.03
+0.04% from price
Relative volume
0.73×
Normal
Session range
1.28%
129.07 – 130.72
Position in range
61%
Mid range
ATR (14D)
2.56
1.97% of price
Prior day high
130.94
PDH
Prior day low
129.00
PDL
Bid / ask spread
—
Quote not published
Session volume
448.11K
Avg 610.87K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-1.33%
-3.3%
1M
-9.52%
-10.7%
3M
-8.45%
-13.0%
6M
+11.89%
-6.3%
YTD
+13.07%
-1.2%
1Y
+8.85%
-7.6%
3Y
+109.64%
+27.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UMBF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-43.32K
Net selling
Buy transactions
18
3.63K shares
Sell transactions
14
46.95K shares
Net transactions
+32
Buys less sells
Sell : buy shares
12.9 : 1
Heavily one-sided
Insider-held shares
4.02M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 1, 26 | PETERMAN TAMARA M. Director |
BUY | 394 | $55.01K | Direct |
| Sep 1, 26 | GRAVES GREGORY M Director |
BUY | 573 | $80.01K | Direct |
| Aug 17, 26 | TERRY THOMAS S Officer |
SELL | 5.71K | $867.06K | Direct |
| Aug 17, 26 | SHANKAR RAM Chief Financial Officer |
SELL | 2.00K | $303.22K | Direct |
| Aug 6, 26 | MURPHY SUSAN G. Director |
SELL | 1.38K | $200.43K | Direct |
| Aug 5, 26 | ODGERS DAVID CARL Officer |
SELL | 145 | $21.36K | Direct |
| Aug 4, 26 | KEMPER JOHN MARINER Chief Executive Officer |
SELL | 15.06K | $2.24M | Indirect |
| Aug 4, 26 | NEWTON NIKKI FARENTINO Officer |
SELL | 2.00K | $297.20K | Direct |
| Aug 4, 26 | WILSON UMA Officer |
SELL | 4.14K | $613.46K | Direct |
| Aug 4, 26 | MASON PHILLIP JAMES Officer |
SELL | 800 | $117.60K | Direct |
| Aug 3, 26 | KEMPER JOHN MARINER Chief Executive Officer |
SELL | 4.20K | $618.53K | Indirect |
| Jul 31, 26 | GALLAGHER KEVIN CHARLES Director |
SELL | 360 | $52.25K | Direct |
| Jul 31, 26 | BEAIRD ROBERT BRIAN Officer |
SELL | 1.60K | $231.04K | Direct |
| Jun 10, 26 | GALLAGHER KEVIN CHARLES Director |
SELL | 381 | $50.63K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
GALLAGHER KEVIN CHARLES |
Director | 20.44K | Sale |
GRAVES GREGORY M |
Director | 39.79K | Stock Award(Grant) |
JOHNSON SHANNON ANDRESEN |
Officer | 33.13K | Stock Award(Grant) |
KEMPER JOHN MARINER |
Chief Executive Officer | — | Sale |
MURPHY TIMOTHY R. |
Director | 27.58K | Stock Award(Grant) |
RINE JAMES D |
President | 62.93K | Sale |
SCHMIDT JOHN K |
Director | 55.19K | Stock Award(Grant) |
SHANKAR RAM |
Chief Financial Officer | 32.09K | Sale |
TERRY THOMAS S |
Officer | 35.78K | Sale |
WILSON UMA |
Officer | 20.56K | Sale |
Fundamentals
Market cap$9.88B
Enterprise value$11.77B
Revenue (TTM)$2.81B
Gross profit$2.81B
EBITDA—
Net income$917.30M
EPS (TTM)$12.02
Free cash flow—
Total cash$2.11B
Total debt$3.71B
Book value / share$97.41
Shares outstanding75.95M
Float72.95M
Short % of float5.68%
Dividend yield1.54%
Beta (5Y)0.83
Valuation & profitability ratios
Trailing P/E10.82
Forward P/E9.35
PEG ratio2.54
Price / sales—
Price / book1.34
EV / revenue4.18
EV / EBITDA—
Gross margin0.00%
Operating margin51.06%
Profit margin33.50%
Return on equity12.31%
Return on assets1.31%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $2.43B | $1.47B | $1.33B | $1.36B | +65.7% |
| Operating revenue | $2.43B | $1.47B | $1.33B | $1.36B | +65.7% |
| Selling, general & admin | $929.57M | $622.35M | $579.17M | $550.13M | +49.4% |
| Pre-tax income | $874.96M | $541.27M | $421.60M | $532.01M | +61.6% |
| Tax provision | $172.56M | $100.03M | $71.58M | $100.33M | +72.5% |
| Net income | $702.40M | $441.24M | $350.02M | $431.68M | +59.2% |
| Net income to common | $684.62M | $441.24M | $350.02M | $431.68M | +55.2% |
| Basic EPS | 9.35 | 9.05 | 7.22 | 8.93 | +3.3% |
| Diluted EPS | 9.29 | 8.99 | 7.18 | 8.86 | +3.3% |
| Basic shares | 73.26M | 48.75M | 48.50M | 48.34M | +50.3% |
| Diluted shares | 73.67M | 49.06M | 48.76M | 48.75M | +50.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $7.89B | $8.56B | $5.61B | $1.68B | -7.8% |
| Property, plant & equipment | $387.88M | $204.64M | $211.29M | $217.96M | +89.5% |
| Goodwill & intangibles | $2.34B | $288.16M | $308.80M | $331.79M | +711.0% |
| Total assets | $73.09B | $50.41B | $44.01B | $38.51B | +45.0% |
| Current debt | — | $0 | $1.00B | $0 | — |
| Long-term debt | $254.19M | $308.51M | $383.25M | $381.31M | -17.6% |
| Total debt | $254.19M | $308.51M | $1.38B | $381.31M | -17.6% |
| Total liabilities | $65.40B | $46.94B | $40.91B | $35.85B | +39.3% |
| Retained earnings | $3.74B | $3.17B | $2.81B | $2.54B | +17.7% |
| Shareholder equity | $7.69B | $3.47B | $3.10B | $2.67B | +121.9% |
| Net tangible assets | $5.36B | $3.18B | $2.79B | $2.34B | +68.5% |
| Shares issued | 78.67M | 55.06M | 55.06M | 55.06M | +42.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $702.40M | $441.24M | $350.02M | $431.68M | +59.2% |
| Depreciation & amortisation | $141.77M | $52.77M | $58.72M | $54.02M | +168.7% |
| Stock-based compensation | $37.74M | $22.58M | $18.69M | $21.49M | +67.2% |
| Change in working capital | $80.16M | -$362.26M | -$15.84M | $232.00M | +122.1% |
| Operating cash flow | $1.03B | $225.29M | $472.60M | $769.55M | +355.7% |
| Capital expenditure | -$48.58M | -$20.01M | -$23.10M | -$51.72M | -142.8% |
| Investing cash flow | -$5.62B | -$3.26B | -$1.27B | -$3.85B | -72.3% |
| Share buybacks | -$132.63M | -$7.74M | -$8.37M | -$32.00M | -1,614.0% |
| Dividends paid | -$135.62M | -$77.13M | -$74.25M | -$72.03M | -75.8% |
| Financing cash flow | $3.92B | $5.96B | $4.77B | -$4.58B | -34.3% |
| Free cash flow | $978.11M | $205.28M | $449.50M | $717.84M | +376.5% |
| End cash position | $7.77B | $8.45B | $5.53B | $1.56B | -8.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $723.08M | $685.26M | $664.95M | $621.56M | $633.21M | +5.5% |
| Operating revenue | $723.08M | $685.26M | $664.95M | $621.56M | $633.21M | +5.5% |
| Selling, general & admin | $241.08M | $233.47M | $243.85M | $231.42M | $224.90M | +3.3% |
| Pre-tax income | $350.40M | $331.28M | $270.31M | $236.56M | $275.04M | +5.8% |
| Tax provision | $72.83M | $69.84M | $54.95M | $48.24M | $57.65M | +4.3% |
| Net income | $277.57M | $261.44M | $215.35M | $188.32M | $217.39M | +6.2% |
| Net income to common | $271.76M | $255.63M | $209.54M | $180.37M | $215.38M | +6.3% |
| Basic EPS | 3.58 | 3.36 | 2.76 | 2.38 | 2.84 | +6.5% |
| Diluted EPS | 3.56 | 3.35 | 2.74 | 2.36 | 2.82 | +6.3% |
| Basic shares | 75.97M | 76.03M | 75.96M | 75.94M | 75.92M | -0.1% |
| Diluted shares | 76.39M | 76.40M | 76.42M | 76.37M | 76.24M | -0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $5.73B | $6.39B | $7.89B | $8.97B | $11.11B | -10.3% |
| Property, plant & equipment | $397.35M | $391.02M | $387.88M | $398.61M | $395.19M | +1.6% |
| Goodwill & intangibles | $2.28B | $2.30B | $2.34B | $2.35B | $2.34B | -1.0% |
| Total assets | $72.26B | $72.67B | $73.09B | $71.88B | $71.76B | -0.6% |
| Long-term debt | $257.78M | $255.99M | $254.19M | $252.40M | $439.46M | +0.7% |
| Total debt | $257.78M | $255.99M | $254.19M | $252.40M | $439.46M | +0.7% |
| Total liabilities | $64.22B | $64.85B | $65.40B | $64.44B | $64.47B | -1.0% |
| Retained earnings | $4.20B | $3.96B | $3.74B | $3.56B | $3.41B | +6.0% |
| Shareholder equity | $8.03B | $7.83B | $7.69B | $7.44B | $7.29B | +2.6% |
| Net tangible assets | $5.75B | $5.53B | $5.36B | $5.10B | $4.94B | +4.1% |
| Shares issued | 75.95M | 78.67M | 78.67M | 78.67M | 78.67M | -3.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $277.57M | $261.44M | $215.35M | $188.32M | $217.39M | +6.2% |
| Depreciation & amortisation | $35.13M | $35.09M | $37.40M | $37.01M | $37.99M | +0.1% |
| Stock-based compensation | $9.35M | $13.42M | $9.31M | $7.72M | $7.88M | -30.3% |
| Change in working capital | $88.11M | $57.65M | -$197.49M | $56.89M | $58.42M | +52.8% |
| Operating cash flow | $349.26M | $361.27M | $106.08M | $272.21M | $285.39M | -3.3% |
| Capital expenditure | -$18.46M | -$4.52M | -$10.76M | -$14.40M | -$14.60M | -308.7% |
| Investing cash flow | -$276.45M | -$1.35B | -$2.14B | -$2.14B | -$2.00B | +79.5% |
| Share buybacks | -$5.09M | -$32.81M | -$79.00K | -$116.30M | -$814.00K | +84.5% |
| Dividends paid | -$38.50M | -$39.61M | -$40.61M | -$32.50M | -$32.39M | +2.8% |
| Financing cash flow | -$724.30M | -$522.21M | $966.96M | -$283.74M | $2.10B | -38.7% |
| Free cash flow | $330.80M | $356.76M | $95.32M | $257.81M | $270.78M | -7.3% |
| End cash position | $5.61B | $6.26B | $7.77B | $8.84B | $11.00B | -10.4% |
Options analytics
Put / call volume
0.47
Call-heavy session
Put / call open interest
1.46
Positioning, not flow
Max pain
145.00
+11.5% from spot
ATM implied vol
69.4%
Nearest strike to spot
Skew (10% OTM)
-32.3%
Calls bid over puts
Call volume
87
Contracts, this expiry
Put volume
41
Contracts, this expiry
Heaviest call OI
145.00
248 contracts
Heaviest put OI
145.00
500 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 3.12 | 3.57 | +14.5% |
| Mar 2026 | 2.82 | 3.41 | +21.0% |
| Dec 2025 | 2.70 | 3.08 | +13.9% |
| Sep 2025 | 2.50 | 2.70 | +8.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 3.22 | 16 | $742.10M | +8.1% |
| Next quarter | 3.27 | 16 | $755.84M | +3.6% |
| Current year | 13.26 | 16 | $2.99B | +11.5% |
| Next year | 13.92 | 16 | $3.16B | +5.6% |
Analyst targets & ownership
Mean target$165.06
High target$182.00
Low target$145.00
Implied upside26.89%
Analyst count16
ConsensusBUY
Strong buy / Buy7 / 6
Hold3
Sell / Strong sell0 / 0
Held by insiders5.29%
Held by institutions97.77%
Institutions holding634
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
132.05
-1.49% from price
SMA 20
134.45
-3.25% from price
SMA 50
141.24
-7.90% from price
SMA 100
139.03
-6.44% from price
SMA 200
130.12
-0.03% from price
EMA 12
132.35
-1.71% from price
EMA 26
135.50
-4.00% from price
EMA 50
137.84
-5.63% from price
RSI (14)
31.9
Neutral
MACD (12,26,9)
-3.16
Hist -0.23
ATR (14)
2.56
1.97% of price
Realised vol 30D
18.3%
Annualised
Bollinger upper
141.36
20, 2σ
Bollinger lower
127.54
20, 2σ
50 / 200 cross
Golden
141.24 vs 130.12
Trend bias
Below 200
-0.03%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.78
Less volatile than market
Correlation to SPY
0.39
Loosely linked
Realised vol 30D
18.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-18.9%
Peak to trough
Max drawdown 5Y
-51.3%
Peak to trough
ATR 14
2.56
1.97% of price
Beta (reported)
0.83
5Y monthly, from filing
Short interest
Shares short
3.63M
Prior 3.40M
Change vs prior
+7.1%
Shorts adding
% of float
5.68%
Normal
% of shares out
4.79%
Against total outstanding
Days to cover
7.5
Crowded exit
Float
72.95M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 5, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Oct 1, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Sep 30, 26 | Wells Fargo | MAINTAINED | Equal-Weight | Equal-Weight |
| Sep 28, 26 | Morgan Stanley | MAINTAINED | Overweight | Overweight |
| Sep 14, 26 | UBS | INITIATED | — | Neutral |
| Sep 8, 26 | Morgan Stanley | MAINTAINED | Overweight | Overweight |
| Aug 20, 26 | JP Morgan | INITIATED | — | Overweight |
| Aug 10, 26 | Wells Fargo | MAINTAINED | Equal-Weight | Equal-Weight |
| Aug 4, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Aug 3, 26 | Barclays | MAINTAINED | Overweight | Overweight |
| Jul 31, 26 | Citigroup | MAINTAINED | Neutral | Neutral |
| Jul 30, 26 | RBC Capital | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$2.00 / yr
Forward yield1.54%
5-year avg yield1.58%
Payout ratio14.06%
Ex-dividend dateSep 10, 2026
Next pay dateOct 1, 2026
Last split2:1
Split dateMay 31, 2006
SEC filings
Periodic Financial Reports
10-Q · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-07-28
Annual report of employee stock purchase
11-K · 2026-06-24
Corporate Changes & Voting Matters
8-K · 2026-04-30
Corporate Changes & Voting Matters
8-K · 2026-04-28
Offering Registrations
S-8 · 2026-04-03
Proxy Statements
DEF 14A · 2026-03-12
Periodic Financial Reports
10-K · 2026-02-26
Headlines
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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