UMBFUMB FINANCIAL CORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $10.2B
- Employees
- 5,222
- Net debt / EBITDA
- —
- −$4.3B net debt
- AI in 10-K
- 0.8
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo146% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo15% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo3% of assetsOver 40% of assets
- Shareholder dissentNo97% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo0.8 per 10K words · 30th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$10.2B market capMarket cap $500M–$5B
Catalysts 1 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingYes−$11M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $353M | $432M | $350M | $441M | $702M | 59% |
| Operating cash flow | $534M | $770M | $473M | $225M | $1.0B | 356% |
| Capex | $34M | $52M | $23M | $20M | $49M | 143% |
| Stock-based comp | $21M | $21M | $19M | $23M | $38M | 67% |
| Buybacks | $6M | $32M | $8M | $8M | $18M | 128% |
| Dividends | $67M | $72M | $74M | $77M | $136M | 76% |
Deal filings
None.
13D filers
| Filed | Filer | Form | Stake | Intent |
|---|---|---|---|---|
| Mar 23, 2026 | KEMPER J MARINER | SCHEDULE 13D/A | 4.8% | Passive |
| Feb 4, 2025 | KEMPER J MARINER | SCHEDULE 13D/A | 5.2% | Passive |
| Apr 30, 2024 | KEMPER J MARINER | SC 13D/A | 8.4% | Passive |
Insider trading
- Open-market buys, 12 mo
- $231K · 6
- Open-market sells, 12 mo
- $12M · 26
- Net
- −$11M
Pay vs performance
No pay-versus-performance disclosure yet.