UMBF · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Sep 18, 2026.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| Peterman TamaraDirector | Open-market or private purchase (P)Table I · Acquired · Common Stock | 394.0553 | $139.60 | $55,010 | 10,680.1247 | Sep 1, 2026 | 1 filed lot
|
| GRAVES GREG MDirector | Open-market or private purchase (P)Table I · Acquired · Common Stock | 573.145 | $139.60 | $80,011 | 40,463.0277 | Sep 1, 2026 | 1 filed lot
|
| Terry Thomas SChief Credit Officer | Open-market or private sale (S)Table I · Disposed · Common Stock | 5,713 | $151.77 | $867,062 | 30,689.3105 | Aug 17, 2026 | 1 filed lot
|
| Shankar RamChief Financial Officer | Open-market or private sale (S)Table I · Disposed · Common Stock | 2,000 | $151.61 | $303,220 | 30,389.1405 | Aug 17, 2026 | 1 filed lot
|
| Murphy Susan GDirector | Open-market or private sale (S)Table I · Disposed · Common Stock | 1,377 | $145.5535 | $200,427 | See lot detail | Aug 6, 2026 | 2 filed lots
|
| Odgers David CarlChief Accounting Officer | Open-market or private sale (S)Table I · Disposed · Common Stock | 145 | $147.30 | $21,359 | 6,538.41 | Aug 5, 2026 | 1 filed lot
|
| KEMPER J MARINERDirector, Chairman and CEO | Open-market or private sale (S)Table I · Disposed · Common Stock | 15,062 | $148.55 | $2,237,460 | 1,491,138 | Aug 4, 2026 | 1 filed lot
|
| Wilson UmaExecutive Vice President | Open-market or private sale (S)Table I · Disposed · Common Stock | 4,145 | $148.00 | $613,460 | 20,269.9167 | Aug 4, 2026 | 1 filed lot
|
| Newton Nikki FarentinoPresident, Private Wealth Mgmt | Open-market or private sale (S)Table I · Disposed · Common Stock | 2,000 | $148.6001 | $297,200 | See lot detail | Aug 4, 2026 | 2 filed lots
|
| Mason Phillip JamesPresident, Inst. Banking | Open-market or private sale (S)Table I · Disposed · Common Stock | 800 | $147.00 | $117,600 | 8,894.419 | Aug 4, 2026 | 1 filed lot
|
| KEMPER J MARINERDirector, Chairman and CEO | Gift (G)Table I · Acquired · Common Stock | 9,761 | —Gift (G) | — | 9,761 | Aug 3, 2026 | 1 filed lot
|
| KEMPER J MARINERDirector, Chairman and CEO | Open-market or private sale (S)Table I · Disposed · Common Stock | 4,200 | $147.27 | $618,534 | 5,561 | Aug 3, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $1.9B | 100% |
| |
| Income before tax | $875M | 47% |
|
| Income tax | $173M | 9% |
|
| $702M | 38% |
|
Flagship explainer
UMB FINANCIAL CORP's filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $73.1B | 100% |
|
| Cash and equivalents | $7.8B | 11% |
|
| Property, plant and equipment | $398M | 1% |
|
| Goodwill | $1.8B | 3% |
|
| Other intangible assets | $487M | 1% |
|
| Deferred tax assets | $502M | 1% |
|
| Operating lease right-of-use assets | $63.5M | 0% |
|
| Total liabilities | $65.4B | 89% |
|
| $474M | 1% |
| |
| Stockholders’ equity | $7.7B | 11% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | $702M | FY2025 |
|
| Income before tax | $875M | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | Unavailable | FY2025 |
|
| Ending assets | $73.1B | FY2025 |
|
| Beginning assets | $50.4B | FY2024 |
|
| Ending equity | $7.7B | FY2025 |
|
| Beginning equity | $3.5B | FY2024 |
|
Flagship explainer
UMB FINANCIAL CORP’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | $1.0B | 100% |
|
| Depreciation and amortization | $142M | 14% |
|
| Share-based compensation | $37.7M | 4% |
|
| Cash from investing | −$5.6B | −547% |
|
| Cash from financing | $3.9B | 381% |
|
| Net change in cash | −$677M | −66% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
0 holding0 exited0 not holding0/19 resolved19 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| Abrams Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Akre Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Baupost Group | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Berkshire Hathaway | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Brave Warrior Advisors | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Dodge & Cox | Not retrieved | Comparison not retrieved | Filing not retrieved |
| First Eagle | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Fundsmith | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gardner Russo & Quinn | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gates Foundation Trust | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Mairs & Power | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Markel / Markel-Gayner | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Oakmark / Harris Associates | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Polen Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Sequoia / Ruane Cunniff | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Southeastern Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Tweedy, Browne | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Yacktman Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
Records still being gathered — partial as of retrieval Sep 18, 2026.
Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.
Median ROE 11.9% on average equity, above the 10% hurdle in 89% of 9 years.
Q3 scored 2 evidenced ratios equally.
Profitable in 100% of 10 years, ROE very steady.
Net interest income is 2.45% of average assets, steady over 9 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 79 | |
| Jul 26, 2026 | 82 | |
| Jul 26, 2026 | 82 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.