Every material Form 8-K UMB Financial filed with the SEC in 2025, 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.
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.
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.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every UMB Financial filing is on SEC EDGAR ↗. 8-K briefs of other companies →