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AI brief of an SEC Form 8-K · UMB Financial (UMBF)

UMB Financial Q4 net income rises to $120.0 million, or $2.44 per diluted share

Positive Impact 3 of 5 earnings Written later

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.

Key points

  • 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.

The filing

CompanyUMB Financial (UMBF)
Form8-K, current report
Filed with the SECJan 28, 2025, 4:05 PM ET
Accession number0000950170-25-009795

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 12:56 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 28, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.