Every material Form 8-K UMB Financial has filed with the SEC since February 05, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Effective October 28, 2026, UMB Financial's Chief Risk Officer Shannon A. Johnson will no longer hold the title of Chief Administrative Officer, and that role will not be filled. She will focus full time on her Chief Risk Officer role, which the company says allows an expanded focus on developing its corporate risk function. The filing describes this as a management change with no disagreement with the company, and it does not report any financial effect.
Shannon A. Johnson's role change is effective October 28, 2026.
Johnson will no longer hold the Chief Administrative Officer title, and that role will not be filled.
Her former administrative responsibilities are assumed within existing management.
Johnson remains Chief Risk Officer and stays employed by the company.
UMB Financial reported third-quarter 2026 GAAP net income available to common shareholders of $272.3 million, or $3.56 per diluted share, up 51.0% from $180.4 million, or $2.36 per share, a year earlier, and flat with the linked quarter's $3.56. Total revenue rose 13.9% year over year to $772.4 million but fell from $778.0 million in the second quarter. The company also declared a quarterly common dividend of $0.50 per share.
Q3 2026 revenue of $772.4 million, up 13.9% from Q3 2025 and down $5.6 million from Q2 2026
Net interest margin of 3.32%, up 28 basis points from Q3 2025
Quarterly dividend of $0.50 per common share, payable January 4, 2027, to holders of record on December 10, 2026
GAAP efficiency ratio improved to 48.71% from 58.09% in Q3 2025
UMB Financial Corporation agreed on October 27, 2026 to acquire El Dorado Savings Bank, F.S.B. in a transaction valued at approximately $506 million, paid 52% in cash and 48% in stock. El Dorado will merge into UMB Bank, and the deal is expected to close in the first quarter of 2027, subject to regulatory and El Dorado shareholder approvals.
Transaction valued at approximately $506 million, consisting of 52% cash and 48% stock.
Each El Dorado share would receive 13.553 UMBF common shares plus $1,958.88 in cash; former El Dorado shareholders are expected to own about 2% of the combined company.
El Dorado had $2.4 billion in assets, $2.1 billion in total deposits and $0.5 billion in total loans as of September 30, 2026.
Deal adds 31 California branches and four Nevada branches, bringing UMB's network to 227 branches across 15 states; expected close is the first quarter of 2027.
UMB Financial reported second quarter 2026 GAAP net income available to common shareholders of $271.8 million, or $3.56 per diluted share, up 26.2% from the second quarter of 2025, and total revenue of $778.0 million, up 12.9% year over year. The company also declared a quarterly common dividend of $0.50 per share, which it said represents a 16.3% increase from prior levels, giving shareholders a higher cash payout from October 1, 2026.
GAAP net income available to common shareholders was $271.8 million, or $3.56 per diluted share, versus $215.4 million, or $2.82 per diluted share, in the second quarter of 2025.
Total revenue was $778.0 million, up 12.9% from the second quarter of 2025 and up 5.3% from the first quarter of 2026.
Quarterly common dividend of $0.50 per share is payable October 1, 2026, to holders of record as of September 10, 2026.
Series B 7.750% preferred stock dividend of $193.75 per share ($0.484375 per depositary share) is payable October 15, 2026, to holders of record as of September 30, 2026.
UMB Financial Corporation reported first quarter 2026 GAAP net income available to common shareholders of $255.6 million, or $3.35 per diluted share, compared with $1.21 a year earlier, and total revenue of $739.2 million, up 31.1%. The company also declared a $0.43 quarterly common dividend and authorized repurchase of up to two million common shares, which the release says increased the prior one million share authorization.
Q1 2026 GAAP EPS of $3.35 versus $2.74 in Q4 2025 and $1.21 in Q1 2025; net operating income per diluted share was $3.41.
Net interest margin was 3.38%, up 42 basis points from Q1 2025; net charge-offs were 0.19% of average loans.
Quarterly common dividend of $0.43 per share, payable July 1, 2026, to holders of record June 10, 2026.
Repurchase authorization covers up to two million shares until the Board meeting following the 2027 annual shareholder meeting.
On February 9, 2026, UMB Financial's Compensation Committee approved change-in-control agreements with each named executive officer, providing severance if they are terminated without cause or resign for good reason within 24 months after a change in control. The filing gives no financial amounts for the company, and the full agreements will be filed with the 10-Q for the quarter ending March 31, 2026.
Agreements approved February 9, 2026 with each named executive officer; initial term runs through December 31, 2026 and renews annually.
CEO and CEO of UMB Bank, n.a. receive 3X the sum of base salary and bonus; other named executive officers receive 2X.
Benefits include 18 months of group health premiums, pro-rated target bonus, and full equity acceleration for assumed awards.
Full form of agreement to be attached to the Form 10-Q for the quarter ending March 31, 2026.
UMB Financial reported fourth-quarter 2025 GAAP net income available to common shareholders of $209.5 million, or $2.74 per diluted share, up from $120.0 million, or $2.44 per share, a year earlier. Total revenue rose 66.0% year over year to $720.9 million, and the company also declared a quarterly dividend of $0.43 per share, reflecting results that include the Heartland Financial acquisition.
GAAP net income available to common shareholders was $209.5 million, or $2.74 per diluted share, versus $120.0 million, or $2.44 per share, in Q4 2024.
Total revenue was $720.9 million, up 66.0% from Q4 2024 and up 6.3% from Q3 2025.
Noninterest expense of $425.6 million included $39.7 million in acquisition-related and other nonrecurring costs.
Quarterly dividend of $0.43 per share is payable April 1, 2026, to holders of record as of March 10, 2026.
UMB Financial reported third-quarter 2025 GAAP net income available to common shareholders of $180.4 million, or $2.36 per diluted share, up 64.5% from the year-earlier quarter but down from $215.4 million, or $2.82 per share, in the second quarter. The results include the Heartland Financial USA, Inc. (HTLF) acquisition, which closed January 31, 2025, and $35.6 million in acquisition-related and other nonrecurring costs. The board also declared a quarterly dividend of $0.43 per common share payable January 2, 2026.
GAAP diluted EPS of $2.36 vs. $2.82 in Q2 2025 and $2.23 in Q3 2024; non-GAAP operating EPS was $2.70 vs. $2.96 in Q2 2025 and $2.25 in Q3 2024
Total revenue of $678.3 million, down from $689.2 million in Q2 2025; noninterest income fell 8.5% sequentially to $203.3 million, mainly on lower investment securities gains
GAAP noninterest expense rose to $419.3 million, including $19.2 million in fees for termination of legacy HTLF contracts; nonaccrual loans rose to $132.0 million
Common dividend of $0.43 per share, record date December 10, 2025; preferred Series B dividend of $0.484375 per depositary share, payable January 15, 2026
UMB Financial reported second quarter 2025 GAAP net income available to common shareholders of $215.4 million, or $2.82 per diluted share, up 112.5% from the second quarter of 2024. The results include a $29.4 million pre-tax gain on its investment in Voyager Technologies, which went public in June 2025, and the company declared a $0.40 quarterly dividend per common share.
GAAP net income available to common shareholders was $215.4 million, or $2.82 per diluted share, versus $101.3 million, or $2.07 per diluted share, in Q2 2024.
Non-GAAP net operating income available to common shareholders was $225.4 million, or $2.96 per diluted share.
Total revenue was $689.2 million, up 22.2% from the prior quarter; net interest margin was 3.10%.
Quarterly common dividend of $0.40 per share is payable October 1, 2025, to holders of record on September 10, 2025.
UMB Financial reported first-quarter 2025 GAAP net income available to common shareholders of $79.3 million, or $1.21 per diluted share, down from $2.44 in the fourth quarter but up from $2.25 a year earlier. Results include $53.2 million of acquisition-related and other nonrecurring costs and an $86.0 million provision for credit losses, following the January 31, 2025 merger with Heartland Financial, while operating earnings rose to $2.58 per share. The company also declared a $0.40 quarterly dividend and authorized repurchase of up to one million common shares.
GAAP net income available to common shareholders was $79.3 million, or $1.21 per diluted share, versus $120.0 million, or $2.44, in Q4 2024 and $110.3 million, or $2.25, in Q1 2024.
Operating earnings per diluted share were $2.58, compared with $2.49 in the linked quarter and $2.47 in Q1 2024.
Total revenue rose to $563.8 million from $434.2 million in Q4 2024 and $398.7 million in Q1 2024.
The board declared a $0.40 per share dividend payable July 1, 2025, to holders of record on June 10, 2025, and authorized repurchase of up to 1,000,000 shares.
UMB Financial completed its merger with Heartland Financial USA (HTLF) on January 31, 2025, with HTLF common shareholders receiving 0.55 UMB common shares for each share held. The company said the deal raises its assets to about $68 billion and expands its footprint from eight to 13 states, while UMB's authorized common shares rose from 80,000,000 to 160,000,000 to accommodate the issuance. Shareholders face share dilution from the roughly 24 million shares issued, and the company assumed $150 million of HTLF subordinated notes plus trust preferred debt.
Merger effective at 11:59 p.m. on January 31, 2025; HTLF common holders receive 0.55 UMB common shares per share
Approximately 24 million UMB common shares issued as total aggregate Merger consideration; authorized shares raised from 80,000,000 to 160,000,000
UMB assumed $150,000,000 of 2.75% fixed-to-floating rate subordinated notes due September 15, 2031, plus HTLF trust preferred securities
HTLF banking subsidiary to merge into UMB Bank; banking center and systems conversions anticipated in the fourth quarter of 2025
UMB Financial reported fourth-quarter 2024 GAAP net income of $120.0 million, or $2.44 per diluted share, up from $70.9 million, or $1.45 per share, a year earlier. Full-year 2024 net income was $441.2 million, or $8.99 per diluted share, compared with $350.0 million, or $7.18 per share in 2023. The board also declared a $0.40 quarterly dividend, and the company said its merger with Heartland Financial was slated to close January 31, 2025.
Q4 2024 GAAP net income of $120.0 million, or $2.44 per diluted share, versus $109.6 million ($2.23) in Q3 2024 and $70.9 million ($1.45) in Q4 2023.
Q4 2024 net operating income (non-GAAP) of $122.6 million, or $2.49 per diluted share, versus $112.0 million ($2.29) in Q4 2023.
Quarterly dividend of $0.40 per share, payable April 1, 2025, to stockholders of record on March 10, 2025.
Heartland Financial merger slated to close January 31, 2025; shareholder conference call set for January 29, 2025 at 8:30 a.m. CT.
UMB Financial reported third-quarter 2024 GAAP net income of $109.6 million, or $2.23 per diluted share, up from $101.3 million in the second quarter and $96.6 million a year earlier. It also declared a quarterly dividend of $0.40 per share, a 2.6% increase, payable January 2, 2025, and reiterated that its pending Heartland Financial acquisition is expected to close in the first quarter of 2025.
Q3 2024 GAAP net income $109.6 million, or $2.23 per diluted share, versus $2.07 in Q2 2024 and $1.98 in Q3 2023
Net operating income (non-GAAP) $110.4 million, or $2.25 per diluted share
Quarterly dividend raised to $0.40 per share, payable January 2, 2025, to holders of record on December 10, 2024
Net interest margin fell to 2.46% from 2.51% in the linked quarter; average loans rose to $24.4 billion
UMB Financial reported second-quarter 2024 GAAP net income of $101.3 million, or $2.07 per diluted share, down from $110.3 million, or $2.25 per share, in the first quarter but up from $90.1 million, or $1.85 per share, a year earlier. Total revenue fell to $390.0 million from $398.7 million in the first quarter, while the board declared a $0.39 per share quarterly dividend.
GAAP diluted EPS was $2.07 for Q2 2024, versus $2.25 in Q1 2024 and $1.85 in Q2 2023; net operating income was $105.9 million, or $2.16 per diluted share.
Total revenue was $390.0 million, down $8.7 million from the first quarter, driven by lower investment securities gains and other income.
Average loans rose 7.3% year over year to $23.8 billion; net interest margin was 2.51%.
Legal and consulting expense of $16.6 million included costs tied to the announced acquisition of Heartland Financial USA, Inc.; the board declared a $0.39 dividend payable October 1, 2024, to holders of record on September 10, 2024.
UMB Financial Corporation disclosed that underwriters exercised in full a 30-day option to buy an additional 420,000 shares of common stock on April 30, 2024, following an April 28, 2024 offering. The company entered into an additional forward sale agreement with Bank of America, N.A. covering the same 420,000 shares, on terms essentially similar to the original forward sale agreement. The filing describes the share sale mechanics and does not report financial results or a change in guidance.
Underwriters exercised in full their option to buy 420,000 additional shares of common stock on April 30, 2024.
Original deal on April 28, 2024 covered 2,800,000 shares offered by BofA Securities, plus a forward sale agreement for 2,800,000 shares.
Additional Forward Sale Agreement with Bank of America, N.A. dated April 30, 2024 covers 420,000 shares.
UMB Financial agreed on April 28, 2024 to acquire Heartland Financial USA (HTLF) in an all-stock merger valued at about $2.0 billion, with HTLF holders receiving 0.55 UMB shares per HTLF share. Former HTLF stockholders are expected to hold about 31% of the combined company, which the companies say would bring UMB to $64.5 billion in assets and expand its footprint to 13 states. The deal requires UMB shareholder and HTLF stockholder approval and federal regulatory consents, and is expected to close in the first quarter of 2025.
Exchange ratio of 0.55 UMB shares per HTLF share, valued at $45.74 per HTLF share based on UMB's $83.17 close on April 26, 2024
Former HTLF stockholders expected to own about 31% of the combined company; five HTLF directors will join a 16-member UMB board
Termination fee of $70 million payable by either party in certain circumstances
Expected close in the first quarter of 2025, subject to Federal Reserve and OCC approvals and UMB shareholder and HTLF stockholder votes
UMB Financial reported first-quarter 2024 GAAP net income of $110.3 million, or $2.25 per diluted share, up from $92.4 million, or $1.90 per diluted share, a year earlier. The results include $13.0 million of pre-tax expense for the FDIC special assessment. The board also declared a $0.39 per share quarterly dividend and authorized repurchases of up to 1,000,000 shares, which sets cash returned to shareholders and the potential share count for the coming period.
GAAP net income was $110.3 million, or $2.25 per diluted share, versus $92.4 million, or $1.90, in Q1 2023 and $70.9 million, or $1.45, in Q4 2023.
Net operating income, a non-GAAP measure, was $120.7 million, or $2.47 per diluted share.
Quarterly dividend of $0.39 per share, payable July 1, 2024, to shareholders of record on June 10, 2024.
Board authorized repurchase of up to 1,000,000 shares, with purchases possible until the board meeting after the 2025 annual meeting.
UMB Financial Corporation promoted James D. Rine, previously Vice Chairman, to President of the Company, effective January 29, 2024. Chairman and CEO J. Mariner Kemper keeps his positions, and Rine keeps his role as President and CEO of UMB Bank, n.a. The filing states that no material compensation plan, contract, grant or award was entered into or amended in connection with the promotion.
Promotion effective January 29, 2024; the title was previously held by J. Mariner Kemper
Kemper remains Chief Executive Officer and Chairman
Rine remains President and CEO of UMB Bank, n.a., a role he has held since October 2018
No material compensation arrangement or equity award was made in connection with the promotion
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
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