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AI Earnings Predictions for UMB Financial Corporation (UMBF)

Machine learning predictions based on historical earnings data and price patterns

Latest Prediction

BUY

1-Day Prediction

+2.65%

$128.17

100% positive prob.

5-Day Prediction

+2.55%

$128.04

100% positive prob.

20-Day Prediction

+6.73%

$133.26

95% positive prob.

Price at prediction: $124.86 Confidence: 100.0% Model AUC: 1.0000 Quarter: Q4 2025

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2025
Q4

Q4 2025 Earnings

8-K BUY

Jan 27, 2026 · 100% conf.

AI Prediction BUY

1D

+2.65%

$128.17

Act: -0.16%

5D

+2.55%

$128.04

Act: +2.48%

20D

+6.73%

$133.26

Act: -2.37%

Price: $124.86 Prob +5D: 100% AUC: 1.000
0001193125-26-024400

8-K

0000101382false0000101382us-gaap:CommonStockMember2026-01-272026-01-270000101382us-gaap:SeriesBPreferredStockMember2026-01-272026-01-2700001013822026-01-272026-01-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): 01/27/2026

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Commission File Number: 001-38481

Missouri

43-0903811

(State or other jurisdiction of

(IRS Employer

incorporation)

Identification No.)

1010 Grand Blvd., Kansas City, MO 64106 (Address of principal executive offices, including zip code) (816) 860-7000 (Registrant’s telephone number, including area code) (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13c-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered Pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 Par Value

UMBF

The NASDAQ Global Select Market

Depositary Shares, each representing a 1/400th interest in a share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

UMBFO

The NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On January 27, 2026, UMB Financial Corporation (the “Company”) issued a press release announcing the financial results for the Company for the quarter and period ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 and the information is hereby incorporated by reference herein. The Company does not incorporate by reference information presented at any website referenced in the press release.

The Company is furnishing a copy of materials that will be used in the Company's shareholder conference call at 8:30 a.m. (CT) on January 28, 2026. A copy of the materials is attached as Exhibit 99.2 and will be available on the Company's website at www.umb.com. The materials are dated January 27, 2026, and the Company disclaims any obligation to correct or update any of the materials in the future.

The information contained in Item 2.02 of this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 hereto, is being furnished and shall not be deemed to be “filed” with the Securities and Exchange Commission (“SEC”) for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.

Item 8.01 Other Events

On January 27, 2026, the Company issued a press release announcing the Board of Directors of the Company had declared a quarterly dividend of $0.43 per share that is payable on April 1, 2026 to stockholders of record of the Company's common stock as of the close of business on March 10, 2026. The Board of Directors of the Company also declared a dividend of $193.75 per share of the Company's Series B 7.750% preferred stock, which results in a dividend of $0.484375 per depositary share. The preferred stock dividend is payable on April 15, 2026, to stockholders of record of the Company's preferred stock as of the close on business on March 31, 2026.

Item 9.01 Financial Statements and Exhibits

99.1

Press Release announcing financial results for the quarter ended December 31, 2025.

99.2

Investor Presentation Materials, dated January 27, 2026.

99.3

Press Release announcing dividend declaration.

104

The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

Pursuant to the requi

2025
Q3

Q3 2025 Earnings

8-K

Oct 28, 2025

0001193125-25-253477

8-K

0000101382false0000101382us-gaap:SeriesBPreferredStockMember2025-10-282025-10-280000101382us-gaap:CommonStockMember2025-10-282025-10-2800001013822025-10-282025-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): 10/28/2025

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Commission File Number: 001-38481

Missouri

43-0903811

(State or other jurisdiction of

(IRS Employer

incorporation)

Identification No.)

1010 Grand Blvd., Kansas City, MO 64106 (Address of principal executive offices, including zip code) (816) 860-7000 (Registrant’s telephone number, including area code) (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13c-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered Pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 Par Value

UMBF

The NASDAQ Global Select Market

Depositary Shares, each representing a 1/400th interest in a share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

UMBFO

The NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On October 28, 2025, UMB Financial Corporation (the “Company”) issued a press release announcing the financial results for the Company for the quarter and period ended September 30, 2025. A copy of the press release is attached as Exhibit 99.1 and the information is hereby incorporated by reference herein. The Company does not incorporate by reference information presented at any website referenced in the press release.

The Company is furnishing a copy of materials that will be used in the Company's shareholder conference call at 8:30 a.m. (CT) on October 29, 2025. A copy of the materials is attached as Exhibit 99.2 and will be available on the Company's website at www.umb.com. The materials are dated October 28, 2025, and the Company disclaims any obligation to correct or update any of the materials in the future.

The information contained in Item 2.02 of this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 hereto, is being furnished and shall not be deemed to be “filed” with the Securities and Exchange Commission (“SEC”) for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.

Item 8.01 Other Events

On October 28, 2025, the Company issued a press release announcing the Board of Directors of the Company had declared a quarterly dividend of $0.43 per share that is payable on January 2, 2026 to stockholders of record of the Company's common stock as of the close of business on December 10, 2025. The Board of Directors of the Company also declared a dividend of $193.75 per share of the Company's Series B 7.750% preferred stock, which results in a dividend of $0.484375 per depositary share. The preferred stock dividend is payable on January 15, 2026, to stockholders of record of the Company's preferred stock as of the close on business on December 31, 2025.

Item 9.01 Financial Statements and Exhibits

99.1

Press Release announcing financial results for the quarter ended September 30, 2025.

99.2

Investor Presentation Materials, dated October 28, 2025.

99.3

Press Release announcing dividend declaration.

104

The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

Pursuant

2025
Q2

Q2 2025 Earnings

8-K

Jul 29, 2025

0000950170-25-099619

8-K

false00001013820000101382us-gaap:CommonStockMember2025-07-292025-07-290000101382us-gaap:SeriesBPreferredStockMember2025-07-292025-07-2900001013822025-07-292025-07-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): 7/29/2025

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Commission File Number: 001-38481

Missouri

43-0903811

(State or other jurisdiction of

(IRS Employer

incorporation)

Identification No.)

1010 Grand Blvd., Kansas City, MO 64106 (Address of principal executive offices, including zip code) (816) 860-7000 (Registrant’s telephone number, including area code) (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13c-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered Pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 Par Value

UMBF

The NASDAQ Global Select Market

Depositary Shares, each representing a 1/400th interest in a share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

UMBFO

The NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On July 29, 2025, UMB Financial Corporation (the “Company”) issued a press release announcing the financial results for the Company for the quarter and period ended June 30, 2025. A copy of the press release is attached as Exhibit 99.1 and the information is hereby incorporated by reference herein. The Company does not incorporate by reference information presented at any website referenced in the press release.

The Company is furnishing a copy of materials that will be used in the Company’s shareholder conference call at 8:30 a.m. (CT) on July 30, 2025. A copy of the materials is attached as Exhibit 99.2 and will be available on the Company’s website at www.umb.com. The materials are dated July 29, 2025, and the Company disclaims any obligation to correct or update any of the materials in the future.

The information contained in Item 2.02 of this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 hereto, is being furnished and shall not be deemed to be “filed” with the Securities and Exchange Commission (“SEC”) for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.

Item 8.01 Other Events

On July 29, 2025, the Company announced in the same press release that the Board of Directors of the Company had declared a quarterly dividend of $0.40 per share that is payable on October 1, 2025 to stockholders of record of the Company's common stock as of the close of business on September 10, 2025. The Board of Directors of the Company also declared a dividend of $264.79 per share of the Company's Series B 7.750% preferred stock, which results in a dividend of $0.66 per depositary share. The preferred stock dividend is payable on October 15, 2025, to stockholders of record of the Company's preferred stock as of the close on business on September 30, 2025.

Item 9.01 Financial Statements and Exhibits

99.1

Press Release announcing financial results for the quarter ended June 30, 2025, and announcing dividend declaration.

99.2

Investor Presentation Materials, dated July 29, 2025.

104

The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities

About UMB Financial Corporation (UMBF) Earnings

This page provides UMB Financial Corporation (UMBF) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.

Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on UMBF's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.

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