OakChart

UMB Financial Corp

UMBFFinancial·Banks - Regional·USA·Large·NASD·Nov 11 • 3:59 PM ET

134.64-1.22 (-0.90%)
2026-11-12 02:05 CET
Market cap
10,226.27 USD m
Revenue, TTM
- USD m
Net income, TTM
1,009.20 USD m
Free cash flow, TTM
1,155.73 USD m
EPS diluted, TTM
13.20
P/E
10.20
Compare

Price

UMBF against its 20, 50 and 200-day averages
2050200beat
120.00130.00140.00150.001.3M2.5MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26UMBFclose 134.6420-day 134.4450-day 134.58200-day 131.80134.6452w high

12.2% under the 52-week high of 153.32 on 17 Aug 2026. 52-week low 103.38 on 18 Nov 2025. Last 15 sessions, 9.6% high to low

Volume 0.56× normal · the line is the 50-bar volume average

Profile

UMBF
52-week range, 63% of the way up
103.38153.32

UMB Financial Corp. engages in the provision of bank and asset services. It operates through the following segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment serves the commercial lending and leasing, capital markets, and treasury management needs of the company's mid-market businesses and governmental entities by offering various products and services. The Institutional Banking segment is a combination of banking services, fund services, and asset management services provided to institutional clients. The Personal Banking segment combines consumer banking and wealth management services offered to clients and delivered through personal relationships and the firm's bank branches, ATM network, and internet banking. The company was founded was founded in 1967 and is headquartered in Kansas City, MO.

IndexRUT
Employees5222
IPOMar 17, 1980
Beta0.85
ATR, 14d4.15
Rel volume0.56
Short float5.37%
Insider own3.98%
Inst own97.34%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap10.23B
Enterprise Value-
Income1.01B
Sales4.39B
Book/sh99.52
Cash/sh-
Dividend Est.1.85 (1.38%)
Dividend TTM1.79 (1.33%)
Dividend Ex-DateDec 10, 2026
Dividend Gr. 3/5Y3.04% 5.45%
Payout17.54%
Employees5222
IPOMar 17, 1980

Ratios

P/E10.20
Forward P/E9.54
PEG0.86
P/S2.33
P/B1.35
P/C-
P/FCF8.85
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.36
Debt/Eq0.45
LT Debt/Eq0.04
Option/ShortYes / Yes

Earnings

EPS (ttm)13.20
EPS next Y14.12
EPS next Q3.30
EPS this Y19.22%
EPS next Y4.34%
EPS next 5Y11.03%
EPS past 3/5Y1.62% 9.41%
Sales past 3/5Y34.42% 26.89%
EPS Y/Y TTM49.42%
Sales Y/Y TTM16.68%
EPS Q/Q50.68%
Sales Q/Q2.85%
EarningsOct 27 AMC
EPS/Sales Surpr.10.63% 3.70%

Ownership

Insider Own3.98%
Insider Trans-1.49%
Inst Own97.34%
Inst Trans2.23%
ROA1.43%
ROE13.50%
ROIC12.61%
Gross Margin-
Oper. Margin29.50%
Profit Margin23.01%
SMA200.15%
SMA500.05%
SMA2002.16%
Trades-

Technical

Shs Outstand75.95M
Shs Float72.93M
Short Float5.37%
Short Ratio6.36
Short Interest3.92M
52W High153.32 -12.18%
52W Low103.38 30.24%
Volatility3.52% 2.91%
ATR (14)4.15
RSI (14)50.00
Beta0.85
Rel Volume0.56
Avg Volume616.03K
Volume345,242

Performance

Perf Week-2.79%
Perf Month3.47%
Perf Quarter-10.76%
Perf Half Y6.54%
Perf YTD17.04%
Perf Year22.62%
Perf 3Y102.37%
Perf 5Y26.74%
Perf 10Y86.53%
Recom1.53
Target Price160.06
Prev Close135.86
Price134.64
Change %-0.90%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 14, 2026InitiatedUUBSNeutral$155+15.1%
Aug 28, 2026ResumedRRaymond JamesOutperform$165+22.5%
Aug 20, 2026InitiatedJJP MorganOverweight$180+33.7%
Aug 10, 2026ResumedWWells FargoEqual Weight$160+18.8%
Jul 15, 2026InitiatedSStephensOverweight$167+24.0%
Apr 29, 2026ReiteratedHHovde GroupOutperform$145 → $150+11.4%
Nov 06, 2025UpgradeRRBC Capital MktsSector Perform → Outperform$128-4.9%
Oct 06, 2025InitiatedHHovde GroupOutperform
May 13, 2025InitiatedTTruistBuy$120-10.9%
Apr 16, 2025InitiatedBBofA SecuritiesBuy$105-22.0%

Peers

Mkt cap
TickerCompanyMkt cap
CBSHCommerce Bancshares Inc7.91B
BOKFBOK Financial Corp7.94B
CBCCentral Bancompany Inc9.20B
CFRCullen Frost Bankers Inc9.82B
WTFCWintrust Financial Corp10.46B
ZIONZions Bancorporation N.A9.64B
FHNFirst Horizon Corp11.08B
ONBOld National Bancorp9.55B
EFSCEnterprise Financial Services Corp2.23B
NTRSNorthern Trust Corp32.37B

Insider trading

latest 14 of 92
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Peterman TamaraDirectorNov 02 '26Buy137.0220127,50010,922Nov 04 04:24 PM
GRAVES GREG MDirectorNov 02 '26Buy137.0229240,00040,893Nov 04 04:22 PM
Gallagher Kevin CharlesDirectorOct 30 '26Sale134.8237049,88311,493Oct 30 04:20 PM
R C Kemper Charitable Trust &AffiliateNov 02 '26Proposed Sale136.161,250170,200Oct 30 04:15 PM
R C Kemper Jr Charitable TrustAffiliateNov 02 '26Proposed Sale136.162,550347,208Oct 30 04:14 PM
Bebe & Crosby Kemper FoundatioAffiliateNov 02 '26Proposed Sale136.1657678,428Oct 30 04:13 PM
Gallagher Kevin CharlesDirectorOct 30 '26Proposed Sale136.1637050,379Oct 30 12:14 PM
R C Kemper Jr Charitable TrustAffiliateOct 01 '26Proposed Sale130.012,550331,526Sep 30 05:36 PM
R C Kemper Charitable Trust &AffiliateOct 01 '26Proposed Sale130.011,250162,512Sep 30 05:33 PM
Bebe & Crosby Kemper FoundatioAffiliateOct 01 '26Proposed Sale130.0157674,886Sep 30 05:31 PM
Peterman TamaraDirectorSep 01 '26Buy139.6039455,01010,680Sep 03 04:53 PM
GRAVES GREG MDirectorSep 01 '26Buy139.6057380,01140,463Sep 03 04:50 PM
R C Kemper Jr Charitable TrustAffiliateSep 01 '26Proposed Sale141.632,550361,156Sep 01 12:16 PM
R C Kemper Charitable Trust &AffiliateSep 01 '26Proposed Sale141.631,250177,038Sep 01 12:03 PM

Held by

AUM
TickerCompanyAUM
IJHiShares Core S&P Mid-Cap ETFAUM: 124.48B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
SDYState Street SPDR S&P Dividend ETFAUM: 22.68B
IWNiShares Russell 2000 Value ETFAUM: 14.10B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-273.5603.2183.560772.39744.8115
2026Q22026-07-283.5703.1183.557778727.6313
2026Q12026-04-283.4102.8213.346739.16701.7912
2025Q42026-01-273.0802.7042.742720.87677.7713
2025Q32025-10-282.7002.4992.362678.34661.5613
2025Q22025-07-292.9602.3752.825689.21635.8811
2025Q12025-04-292.5802.1951.211563.84559.0110
2024Q42025-01-282.4902.2612.440434.19411.529
2024Q32024-10-292.2502.1992.234406.12398.947
2024Q22024-07-302.1602.0112.069390.03384.966
2024Q12024-04-292.4701.8032.254398.68374.286
2023Q42024-01-302.2901.7641.452370.78360.695
2023Q32023-10-242.0201.7741.980355.6365.295
2023Q22023-07-251.9301.9261.852363.69375.735
2023Q12023-04-251.9101.8641.896371.9368.685
2022Q42023-01-242.0702.0022.056370.66371.175

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY3.6903.6392.879982.481,015
2018FY4.0304.5413.9281,0121,028
2019FY4.9904.7604.9621,0941,105
2020FY6.1204.0925.9261,2841,219
2021FY7.2707.4647.2431,2831,292
2022FY8.8808.0668.8561,4681,435
2023FY8.1407.5827.1781,4621,470
2024FY9.4108.9758.9951,6291,612
2025FY11.35010.7159.2902,6522,606
2026FY-13.532--3,036
2027FY-14.119--3,259
2028FY-15.534--3,517

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-051170766.71748.53777.5
2026Q4S2026-10-301170766.68748.53777.5
2026Q4S2026-10-291160765.59748.53777.5
2026Q4S2026-10-281160765.65748.91777.5
2026Q4S2026-10-271130758.92732.3769.2
2026Q4S2026-10-201130758.94732.3769.2
2026Q4S2026-10-161140758.94732.3769.2
2026Q4S2026-10-131130756.67732.3769.2
2026Q4S2026-10-121131756.67732.3769.2
2026Q4S2026-10-081141756.67732.3769.2
2026Q4S2026-10-061132755.88732.3769.2
2026Q4S2026-10-021132755.87732.3769.2
2026Q4S2026-10-011132755.9732.3769.2
2026Q4S2026-09-301122755732.3769.2

Estimate history

EPS, annual2.8793.9284.9625.9267.2438.8567.1788.9959.29313.2043
Period201720182019202020212022202320242025TTM
EPS, quarterly2.2342.441.2112.8252.3622.7423.3463.5573.559
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual1041.5821133.6591289.6621255.0021331.4571699.4712383.9812800.8474127.8534386.31
Period201720182019202020212022202320242025TTM
Sales, quarterly715.359720.179909.2671043.311086.3791088.8971071.8321108.2751117.303
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual49.89549.11749.09848.00648.43148.31948.55448.81475.96175.952
Period201720182019202020212022202320242025MRQ
Shares, quarterly48.79848.81475.91775.92775.95475.96175.97775.94875.952
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income3,520.703,354.282,171.011,838.701,137.52861.52808.49862.89731.96
Total Interest Expense1,391.311,492.081,170.12918.59223.7246.0077.26191.99121.52
Net Interest Income2,129.401,862.201,000.89920.12913.80815.52731.23670.90610.45
Loan Loss Provision111.00154.5061.0541.2337.9020.00130.5032.8570.75
Net Interest Income After Loan Loss Provision2,018.401,707.70939.84878.89875.90795.52600.73638.05539.70
Non-Interest Income865.60773.57629.84545.28561.95469.94446.51426.77401.70
Non-Interest Expense1,590.091,606.321,028.41997.64905.84836.40708.35778.86717.80
Operating Income1,293.91874.96541.27426.53532.01429.06338.89285.96223.59
Unusual Expense0.000.000.004.920.000.000.000.000.00
Net Income Before Taxes1,293.91874.96541.27421.60532.01429.06338.89285.96223.59
Income Taxes261.46172.56100.0371.58100.3376.0452.3942.3727.33
Consolidated Net Income1,032.45702.40441.24350.02431.68353.02286.50243.60196.26
Net Income From Continuing Operations1,032.45702.40441.24350.02431.68353.02286.50243.60196.26
Net Income1,009.20684.62441.24350.02431.68353.02286.50243.60195.51
EPS (Recurring)13.199.298.997.258.867.245.934.963.93
EPS (Basic, Before Extraordinaries)13.289.359.057.228.937.315.954.993.96
EPS (Diluted)13.209.298.997.188.867.245.934.963.93
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense31.2945.2917.2814.2016.4414.988.083.037.86
Price To Earnings Ratio10.2010.2014.0910.739.9314.6411.6013.8315.55
Price To Sales Ratio2.272.051.981.712.403.882.662.612.68
Operating Margin29.5021.2019.3317.8931.3032.2227.0022.1719.72
Net Margin23.0116.5915.7514.6825.4026.5122.8318.8917.25
Shares Outstanding75.9575.9648.8148.5548.3248.4348.0149.1049.12
Market Capitalization10,226.2710,226.275,507.394,054.754,035.045,131.353,313.653,369.673,040.94

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income895.39871.37867.07886.88878.90850.54737.97554.97
Total Interest Expense355.39338.84332.70364.38403.86383.51340.33285.99
Net Interest Income540.00532.52534.37522.50475.04467.02397.64268.97
Loan Loss Provision31.0028.0027.0025.0022.5021.0086.0019.00
Net Interest Income After Loan Loss Provision509.00504.52507.37497.50452.54446.02311.64249.97
Non-Interest Income221.91236.91204.76202.02207.48192.77171.30165.21
Non-Interest Expense388.98391.04380.86429.21423.47363.76389.89270.36
Operating Income341.93350.40331.28270.31236.56275.0493.05144.82
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes341.93350.40331.28270.31236.56275.0493.05144.82
Income Taxes63.8572.8369.8454.9548.2457.6511.7224.83
Consolidated Net Income278.08277.57261.44215.35188.32217.3981.33120.00
Net Income From Continuing Operations278.08277.57261.44215.35188.32217.3981.33120.00
Net Income272.27271.76255.62209.54180.37215.3879.32120.00
EPS (Recurring)3.563.563.352.742.362.821.212.44
EPS (Basic, Before Extraordinaries)3.583.583.362.762.382.841.222.46
EPS (Diluted)3.563.563.352.742.362.831.212.44
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense7.317.219.427.366.106.2225.615.52
Price To Earnings Ratio10.2012.6612.3413.0213.5913.2211.2414.09
Price To Sales Ratio2.272.502.012.132.402.372.181.99
Operating Margin30.6031.6230.9124.8221.7726.3610.2320.11
Net Margin24.3724.5223.8519.2416.6020.648.7216.66
Shares Outstanding75.9575.9575.9875.9675.9575.9375.9248.81
Market Capitalization10,226.2710,846.728,587.328,737.838,986.117,983.597,345.445,507.39

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks7,771.978,448.695,528.261,557.879,214.563,497.571,669.171,674.121,716.26
Investments22,082.8814,543.1013,758.2614,363.8915,130.4412,446.4810,388.208,506.517,870.95
Net Loans38,359.9325,383.2122,952.7520,839.3516,976.1015,887.6813,329.9312,074.5111,179.91
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets4.8028.39-------
Net Property, Plant & Equipment461.77269.37291.70318.25328.03356.50367.13283.88275.94
Interest Receivables176.10125.70119.6090.6096.30106.700.000.000.00
Deferred Tax Assets501.67320.18312.27341.3695.0596.7860.5084.2864.16
Other Intangible Assets3,957.501,367.151,138.921,094.07948.05832.59806.91784.94728.50
Total Assets73,316.6350,485.8044,101.7538,605.4042,788.5433,224.2826,621.8623,408.2521,835.74
Total Deposits60,656.7943,142.0335,792.8632,639.1335,599.9327,051.2521,603.2419,281.2618,023.00
Total Debt3,871.833,050.134,361.822,666.953,574.602,656.772,066.981,601.591,339.98
Long Term Debt534.29433.34430.18432.50327.68333.47146.4082.6779.28
Provision for Risks Charges5.704.105.103.102.605.600.000.000.00
Deferred Tax Liabilities222.5476.1490.0892.94117.16192.3490.6857.1370.05
Other Liabilities866.21746.87751.48536.18348.83301.38254.51239.80221.18
Total Liabilities65,623.0647,019.2641,001.3335,938.3139,643.1130,207.3324,015.4221,179.7819,654.21
Preferred Stock - Carrying Value294.070.000.000.000.000.000.000.000.00
Common Equity7,399.503,466.543,100.422,667.093,145.423,016.952,606.442,228.472,181.53
Total Shareholders Equity7,693.573,466.543,100.422,667.093,145.423,016.952,606.442,228.472,181.53
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity7,693.573,466.543,100.422,667.093,145.423,016.952,606.442,228.472,181.53
Total Liabilities & Stockholders Equity73,316.6350,485.8044,101.7538,605.4042,788.5433,224.2826,621.8623,408.2521,835.74
Book Value Per Share97.4171.0263.8555.2064.9562.8453.0945.3743.72
Tangible Book Value Per Share66.7865.4658.1249.2861.0558.6448.8441.3839.69
Tier 1 Capital5,753.413,802.263,418.683,129.032,885.582,547.632,330.532,142.472,041.50
Tier 2 Capital901.11643.62596.23553.59438.71454.91174.86175.68171.55
Full-Time Employees5,2223,6983,5993,7703,5293,5913,6703,5733,570
Price to Book Ratio1.351.561.441.601.631.101.291.341.71
Return on Assets1.130.930.851.060.930.960.970.870.86
Return on Equity12.5913.4412.1414.8511.4610.1910.088.908.83
Return on Invested Capital8.5411.319.9113.9310.168.558.858.466.35
Current Ratio0.480.590.160.180.550.440.390.310.26

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations1,193.73940.33506.92420.63475.53344.11281.60162.05291.76
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital7.2980.16-362.26-15.84232.0052.41-51.78-49.80-43.91
Cash from Operating Activities1,201.021,020.49144.65404.79707.53396.51229.82112.25247.85
Capital Expenditures-81.27-84.56-24.21-29.91-51.72-133.69-160.22-72.31-57.94
Net Assets From Acquisitions0.000.00-109.05-0.790.000.000.00-18.50-8.91
Sale of Fixed Assets and Businesses-0.87169.264.203.81555.3622.338.595.545.38
Purchase or Sale of Investments-409.38-3,404.23-696.55869.28-369.27-3,023.90-1,622.76-1,605.99-737.72
Purchase of Investments-3,610.22-6,435.57-8,665.23-1,835.36-2,262.64-5,854.66-4,664.84-3,497.09-1,965.03
Sale Or Maturity of Investments3,200.843,031.347,968.682,704.641,893.372,830.763,042.081,891.101,227.31
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources1.062.350.000.000.000.001.492.190.02
Cash from Investing Activities-5,524.57-5,613.90-3,181.87-1,205.46-3,783.36-4,097.92-4,347.31-2,771.25-1,701.04
Cash Dividends Paid-162.50-135.62-77.13-74.25-72.03-66.75-60.28-59.44-58.28
Change in Capital Stock-36.24397.36-9.15-5.91-29.8613.54-58.580.14-64.19
Repurchase of Common Pref Stock-37.98-132.63-7.74-8.37-32.00-5.51-63.77-4.50-76.51
Sale of Common Pref Stock1.74529.99-1.412.462.1419.055.194.6412.32
Proceedsfrom Stock Options1.74529.99-1.412.462.1419.055.194.6412.32
Issuance or Reduction of Debt, Net248.71492.59-1,309.931,697.48-908.40922.94616.74391.36260.56
Change in Long Term Debt-150.00-200.000.000.00107.870.00197.7513.782.35
Issuance of Long Term Debt0.000.000.000.00107.870.00197.7518.604.00
Reduction of Long Term Debt-150.00-200.000.000.000.000.000.00-4.83-1.65
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.00-0.00--0.00
Cash from Financing Activities83.473,916.695,952.964,771.05-4,580.869,418.415,945.892,654.051,411.06
Net Change in Cash-4,240.08-676.722,920.433,970.38-7,656.695,717.001,828.40-4.95-42.14
Free Cash Flow1,155.73971.91120.45377.88655.81362.83169.6039.94189.91
Preferred Dividends (Cash Flow)--0.000.000.000.000.000.000.00
Price to Free Cash Flow10.0110.13127.8013.426.9717.4730.51-23.05
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks4,601.335,609.856,261.347,771.978,841.4110,995.89
Investments21,161.3221,232.6321,996.0822,082.8820,977.4919,564.65
Net Loans42,077.7140,712.3539,708.4538,359.9337,301.5436,418.01
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment398.42397.35391.02461.77398.61395.19
Interest Receivables282.60284.40279.80176.10274.30272.80
Deferred Tax Assets---501.67--
Other Intangible Assets4,213.284,013.264,032.593,957.504,056.414,082.72
Total Assets72,738.0572,255.5672,674.1673,316.6371,881.1871,760.15
Total Deposits60,169.3559,766.6859,980.7660,656.7960,135.8459,987.01
Total Debt3,570.423,563.734,027.903,871.833,309.933,589.93
Long Term Debt333.11480.13477.16534.29471.33657.32
Provision for Risks Charges7.725.725.725.707.728.22
Deferred Tax Liabilities---222.54--
Other Liabilities1,137.70888.64832.78866.21983.74889.23
Total Liabilities64,885.1964,224.7764,847.1665,623.0664,437.2364,474.39
Preferred Stock - Carrying Value294.07294.07294.07294.07294.07404.77
Common Equity7,558.797,736.737,532.937,399.507,149.886,881.00
Total Shareholders Equity7,852.858,030.797,827.007,693.577,443.957,285.77
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity7,852.858,030.797,827.007,693.577,443.957,285.77
Total Liabilities & Stockholders Equity72,738.0572,255.5672,674.1673,316.6371,881.1871,760.15
Book Value Per Share99.52101.8799.1597.4194.1390.63
Tangible Book Value Per Share69.8471.8868.8666.7863.2459.75
Tier 1 Capital-6,245.135,979.945,753.415,520.845,378.86
Tier 2 Capital-927.22912.12901.11885.871,059.74
Full-Time Employees---5,222--
Price to Book Ratio1.351.441.161.221.311.20
Return on Assets1.431.311.241.131.020.91
Return on Equity13.5012.3112.1112.5911.0610.05
Return on Invested Capital3.403.263.152.622.382.74
Current Ratio0.360.370.410.480.540.58

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations315.37282.78305.50290.09268.10190.92
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital59.0288.1157.65-197.4956.8958.42
Cash from Operating Activities374.38370.89363.1592.60324.99249.34
Capital Expenditures-11.55-18.46-4.52-46.74-14.40-14.60
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.00-0.87-4.85-0.23
Purchase or Sale of Investments-82.50711.487.66-1,046.01-1,249.45-1,124.04
Purchase of Investments-681.96-483.35-739.57-1,705.35-1,800.97-1,822.87
Sale Or Maturity of Investments599.451,194.82747.23659.34551.53698.83
Other Uses0.000.000.000.000.000.00
Other Sources1.050.000.000.012.330.00
Cash from Investing Activities-1,745.92-298.08-1,351.57-2,128.99-2,195.73-1,961.84
Cash Dividends Paid-43.77-38.50-39.61-40.61-32.50-32.39
Change in Capital Stock0.42-4.59-32.360.29-116.55294.44
Repurchase of Common Pref Stock0.00-5.09-32.81-0.08-116.83-0.29
Sale of Common Pref Stock0.420.500.450.370.28294.73
Proceedsfrom Stock Options0.420.500.450.370.28294.73
Issuance or Reduction of Debt, Net3.71-467.14225.80486.34-282.95372.62
Change in Long Term Debt-150.000.000.000.00-188.940.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt-150.000.000.000.00-188.940.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities363.02-724.30-522.21966.96-283.742,098.80
Net Change in Cash-1,008.52-651.49-1,510.63-1,069.44-2,154.48385.82
Free Cash Flow362.83352.43358.6381.84310.59234.74
Price to Free Cash Flow10.0111.4510.2510.5113.6817.22

Revenue breakdown

United States2024: 1.63B 2025: 2.65B
Commercial Banking2024: 802.74M 2025: 1.47B
Institutional Banking2024: 591.16M 2025: 702.81M
Personal Banking2024: 235.12M 2025: 478.69M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.37%3.9M72.9M609.61K
2026-10-155.55%4.0M72.9M609.97K
2026-09-305.33%3.9M72.9M605.39K
2026-09-154.98%3.6M72.9M627.42K
2026-08-314.70%3.4M72.9M634.75K
2026-08-144.66%3.4M72.9M671.08K
2026-07-314.70%3.4M72.9M694.46K
2026-07-155.70%4.1M71.9M723.11K
2026-06-305.78%4.2M71.8M713.32K
2026-06-155.03%3.6M71.8M650.19K
2026-05-294.85%3.5M71.9M650.45K
2026-05-154.98%3.6M71.9M636.24K
2026-04-305.07%3.6M71.9M618.60K
2026-04-154.13%3.0M72.0M579.98K
2026-03-313.85%2.8M73.1M554.38K
2026-03-133.25%2.4M73.1M542.52K
2026-02-273.16%2.3M73.1M519.06K
2026-02-133.49%2.5M72.9M502.54K
2026-01-304.23%3.1M72.9M490.71K
2026-01-153.86%2.8M72.9M475.07K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call85.0047.5051.700.002.3860.000.000.893-0.6340.038
call90.0042.5047.000.002.2390.000.000.883-0.6150.041
call95.0037.5042.000.002.0060.000.000.871-0.5950.044
call10032.5037.000.001.7830.000.000.857-0.5720.047
call10527.5032.000.001.5670.000.000.840-0.5460.051
call11022.5027.300.001.4190.000.000.821-0.5170.055
call11517.5022.200.001.1880.000.000.776-0.5710.063
call12012.5017.300.000.9950.000.000.743-0.5230.067
call1257.7012.500.000.8110.000.000.703-0.4440.072
call1303.007.900.000.6340.000.000.638-0.3530.078
call1350.105.005.900.61499.000.000.510-0.2870.084
call1400.055.004.000.8621.000.000.398-0.3580.081
call1450.004.900.811.0541.000.000.351-0.4510.078
call1500.004.900.001.2340.000.000.321-0.5270.075
call1550.004.900.001.3970.000.000.296-0.5740.072
call1600.005.000.001.5470.000.000.276-0.6150.070
call1650.005.000.001.6860.000.000.260-0.6510.068
call1700.005.000.001.8160.000.000.248-0.6820.066
call1750.005.000.001.9390.000.000.237-0.7110.065
call1800.005.000.002.0550.000.000.228-0.7370.063
call1850.005.000.002.1650.000.000.220-0.7610.062
call1900.005.000.002.2700.000.000.213-0.7830.061
call1950.005.000.002.3710.000.000.207-0.8040.060
put85.000.004.900.002.9000.000.00-0.106-0.6290.038
put90.000.004.900.352.63031.000.00-0.117-0.6100.041
put95.000.004.900.002.3720.000.00-0.129-0.5890.044
put1000.003.900.002.1240.000.00-0.143-0.5660.047
put1050.004.900.001.3980.000.00-0.114-0.3110.041
put1100.003.800.001.6500.000.00-0.179-0.5090.055
put1150.004.900.501.2381.000.00-0.180-0.3820.055
put1200.004.900.851.2593.000.00-0.247-0.4660.066
put1250.004.901.001.1115.000.00-0.297-0.4350.072
put1300.004.900.000.8550.000.00-0.362-0.3440.078
put1350.105.000.000.5820.000.00-0.490-0.2770.084
put1403.108.000.000.5780.000.00-0.602-0.3480.081
put1458.2012.500.000.6960.000.00-0.651-0.4360.077
put15013.1017.5020.500.8560.000.00-0.678-0.5150.075
put15518.4022.500.001.0810.000.00-0.704-0.5620.072
put16023.2027.500.001.2190.000.00-0.724-0.6020.070
put16528.3032.500.001.3470.000.00-0.739-0.6370.068
put17033.2037.500.001.3740.000.00-0.752-0.6690.066
put17538.0042.500.001.4840.000.00-0.763-0.6970.065
put18043.1047.500.001.6880.000.00-0.772-0.7220.063
put18548.3052.500.001.7910.000.00-0.780-0.7450.062
put19053.1057.500.001.7840.000.00-0.787-0.7670.061
put19558.1062.500.001.8750.000.00-0.793-0.7870.060

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-044Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-034Statement of changes in beneficial ownership of securities2026-10-31SEC
2026-10-30144Filing for proposed sale of securities under Rule 144.SEC
2026-10-30144Filing for proposed sale of securities under Rule 144.SEC
2026-10-30144Filing for proposed sale of securities under Rule 144.SEC
2026-10-30144Filing for proposed sale of securities under Rule 144.SEC
2026-10-30425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-303Initial statement of beneficial ownership of securities2026-10-27SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-30SEC
2026-10-29425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-298-KCurrent report2026-10-28SEC
2026-10-2910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-28425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-27425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-09-30144Filing for proposed sale of securities under Rule 144.SEC
2026-09-30144Filing for proposed sale of securities under Rule 144.SEC
2026-09-30144Filing for proposed sale of securities under Rule 144.SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-1167.50K200
2026-100049.88K1
2026-09135.02K200
2026-08005.28M9
2026-0700283.29K2
2026-06001.27M3
2026-050000
2026-040000
2026-030000
2026-0247.81K22.46M3
2026-010000
2025-12002.18M2
2025-1147.81K2188.84K2

Institutional holders

Manager% owned
BlackRock, Inc.13.45%
UMB Bank, n.a.6.08%
VANGUARD PORTFOLIO MANAGEMENT LLC5.55%
STATE STREET CORP5.44%
DIMENSIONAL FUND ADVISORS LP4.17%
VANGUARD CAPITAL MANAGEMENT LLC4.12%
FMR LLC3.97%
GEODE CAPITAL MANAGEMENT, LLC2.74%
WELLINGTON MANAGEMENT GROUP LLP2.22%
Neuberger Berman Group LLC2.06%

Funds

Fund% owned
iShares Core S&P Mid-Cap ETF3.22%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.86%
iShares Russell 2000 ETF2.50%
VANGUARD SMALL-CAP INDEX FUND2.06%
VANGUARD SMALL-CAP VALUE INDEX FUND1.31%
Fidelity Small Cap Value Fund1.25%
VANGUARD EXPLORER FUND1.21%
VANGUARD EXTENDED MARKET INDEX FUND1.08%
Fidelity Small Cap Index Fund1.06%
First Trust SMID Cap Rising Dividend Achievers ETF1.02%

OakChart. UMBF. Cached 15 minutes.