UMB Financial Company Top Insiders
| UMBF Stock | USD 121.43 1.70 1.42% |
Roughly 80 percent of UMB Financial's insiders are selling. The analysis of insiders' sentiment of trading UMB Financial stock suggests that a large number of insiders are terrified at this time. UMB Financial employs about 3.7 K people. The company is managed by 20 executives with a total tenure of roughly 75 years, averaging almost 3.0 years of service per executive, having 184.9 employees per reported executive.
| James Rine CEO President CEO of the Bank |
| Mariner Kemper Chairman Chairman of the Board and Presidentident, CEO |
Insider Sentiment 20
Mostly Selling
Selling | Buying |
Latest Trades
| 2025-09-03 | Shannon Andresen Johnson | Disposed 1367 @ 120.58 | View | ||
| 2025-09-02 | Greg M Graves | Acquired 234 @ 120.44 | View | ||
| 2025-08-27 | Amy Harris | Disposed 500 @ 122.02 | View | ||
| 2025-08-25 | Phillip James Mason | Disposed 750 @ 120.97 | View | ||
| 2025-08-22 | Stacy H King | Disposed 1500 @ 118.88 | View | ||
| 2025-08-13 | Robert Brian Beaird | Disposed 1205 @ 116.17 | View | ||
| 2025-08-01 | Tamara Peterman | Acquired 183 @ 107.58 | View | ||
| 2025-06-02 | J Mariner Kemper | Disposed 5412 @ 101.81 | View | ||
| 2025-04-09 | Josh Gottheimer | Disposed @ 94.34 | |||
| 2025-03-03 | Tamara Peterman | Acquired 179 @ 110.19 | View | ||
| 2025-02-21 | J Mariner Kemper | Disposed 3500 @ 108.61 | View | ||
| 2025-02-03 | Kevin Charles Gallagher | Disposed 527 @ 114.13 | View | ||
| 2024-12-02 | J Mariner Kemper | Disposed 24300 @ 124.95 | View | ||
| 2024-11-21 | Robert Brian Beaird | Disposed 854 @ 123.38 | View | ||
| 2024-11-01 | John Pauls | Disposed 849 @ 110.42 | View |
Monitoring UMB Financial's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Acquired vs Disposed
Filed vs Not Filed
Insider sentiment refers to the collective sentiment or feeling of UMB Financial's insiders - typically its officers, directors, and beneficial owners holding more than a certain percentage of the company's stock - about the future prospects of UMB Financial. This sentiment is often gauged based on the trading activities of these insiders. If insiders are purchasing more shares of their own company, it may be interpreted as a bullish sentiment, indicating that they believe UMB Financial's stock will rise in value. Conversely, if insiders are selling shares, it might be seen as bearish, suggesting they expect the stock price to drop.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. UMB Financial's Workforce Through the Years
Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with UMB Financial's future performance. Based on our forecasts, it is anticipated that UMB will maintain a workforce of roughly 4220 employees by February 2026.UMB Financial Management Team Effectiveness
The company has return on total asset (ROA) of 0.0102 % which means that it generated a profit of $0.0102 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1106 %, meaning that it created $0.1106 on every $100 dollars invested by stockholders. UMB Financial's management efficiency ratios could be used to measure how well UMB Financial manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.09. At this time, UMB Financial's Non Currrent Assets Other are most likely to decrease significantly in the upcoming years. The UMB Financial's current Other Assets is estimated to increase to about 59.6 B, while Other Current Assets are projected to decrease to roughly 3.9 B.The UMB Financial's current Net Income Applicable To Common Shares is estimated to increase to about 521.3 M, while Common Stock Shares Outstanding is projected to decrease to roughly 50.2 M. UMB Financial secures a total of 75.95 Million outstanding shares. The majority of UMB Financial outstanding shares are owned by institutions. These other corporate entities are usually referred to as non-private investors looking to take positions in UMB Financial to benefit from reduced commissions. Therefore, outside corporations are subject to a different set of regulations than regular investors in UMB Financial. Please pay attention to any change in the institutional holdings of UMB Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company retains, if the real value of the company is less than the current market value, you may not be able to make money on it.
Shares in Circulation | First Issued 1985-09-30 | Previous Quarter 76.2 M | Current Value 75.3 M | Avarage Shares Outstanding 46 M | Quarterly Volatility 5.2 M |
UMB Financial Workforce Comparison
UMB Financial is rated below average in number of employees category among its peers. The total workforce of Financials industry is at this time estimated at about 76,414. UMB Financial holds roughly 3,698 in number of employees claiming about 5% of equities under Financials industry.
UMB Financial Profit Margins
The company has Profit Margin (PM) of 0.27 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.41 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.41.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.62 | 0.48 |
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| Net Profit Margin | 0.11 | 0.15 |
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| Operating Profit Margin | 0.15 | 0.18 |
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| Pretax Profit Margin | 0.14 | 0.18 |
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| Return On Assets | 0.0064 | 0.0079 |
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| Return On Equity | 0.0738 | 0.11 |
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UMB Financial Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific UMB Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on UMB Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, UMB Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2025-12-01 | 0.1765 | 3 | 17 | 6,062 | 34,206 |
| 2025-09-01 | 0.2273 | 5 | 22 | 9,719 | 34,842 |
| 2025-06-01 | 0.1429 | 1 | 7 | 1,111 | 7,214 |
| 2025-03-01 | 1.0299 | 69 | 67 | 305,032 | 35,915 |
| 2024-12-01 | 0.0408 | 2 | 49 | 438.18 | 87,347 |
| 2024-09-01 | 0.0218 | 7 | 321 | 35,299 | 171,321 |
| 2024-03-01 | 0.2373 | 42 | 177 | 126,072 | 80,201 |
| 2023-12-01 | 0.0233 | 6 | 257 | 4,017 | 84,980 |
| 2023-09-01 | 0.0078 | 2 | 256 | 586.11 | 57,631 |
| 2023-06-01 | 5.0 | 5 | 1 | 4,711 | 0.00 |
| 2023-03-01 | 0.1416 | 47 | 332 | 133,474 | 99,007 |
| 2022-12-01 | 0.0882 | 6 | 68 | 3,711 | 13,050 |
| 2022-09-01 | 1.5 | 9 | 6 | 28,456 | 2,307 |
| 2022-03-01 | 0.2438 | 39 | 160 | 79,292 | 50,914 |
| 2021-12-01 | 0.0303 | 7 | 231 | 45,585 | 98,795 |
| 2021-09-01 | 0.0769 | 2 | 26 | 393.74 | 9,230 |
| 2021-06-01 | 0.0414 | 7 | 169 | 23,818 | 56,035 |
| 2021-03-01 | 0.1092 | 82 | 751 | 187,668 | 285,583 |
| 2020-12-01 | 0.0471 | 8 | 170 | 14,633 | 60,272 |
| 2020-09-01 | 0.3333 | 3 | 9 | 1,044 | 5,750 |
| 2020-06-01 | 0.6667 | 2 | 3 | 1,230 | 22.00 |
| 2020-03-01 | 0.1598 | 27 | 169 | 59,619 | 71,684 |
| 2019-12-01 | 0.2083 | 10 | 48 | 4,779 | 17,508 |
| 2019-09-01 | 0.037 | 3 | 81 | 816.48 | 27,286 |
| 2019-06-01 | 0.0183 | 2 | 109 | 340.07 | 15,222 |
| 2019-03-01 | 0.3971 | 27 | 68 | 38,608 | 31,370 |
| 2018-12-01 | 0.2456 | 14 | 57 | 34,890 | 54,661 |
| 2018-09-01 | 0.0833 | 11 | 132 | 22,660 | 52,888 |
| 2018-06-01 | 0.024 | 5 | 208 | 4,028 | 45,756 |
| 2018-03-01 | 0.1974 | 30 | 152 | 45,886 | 92,443 |
| 2017-12-01 | 0.5 | 3 | 6 | 1,087 | 4,418 |
| 2017-09-01 | 1.0 | 4 | 4 | 3,386 | 2,415 |
| 2017-06-01 | 0.0396 | 26 | 656 | 121,657 | 268,228 |
| 2017-03-01 | 0.7619 | 48 | 63 | 107,621 | 43,123 |
| 2016-12-01 | 0.5238 | 11 | 21 | 30,182 | 53,268 |
| 2016-09-01 | 0.6154 | 8 | 13 | 9,012 | 7,360 |
| 2016-06-01 | 0.0843 | 7 | 83 | 34,861 | 69,764 |
| 2016-03-01 | 0.5 | 34 | 68 | 161,866 | 45,228 |
| 2015-12-01 | 0.0845 | 6 | 71 | 20,555 | 47,070 |
| 2015-06-01 | 0.1268 | 9 | 71 | 20,227 | 49,623 |
| 2015-03-01 | 0.814 | 35 | 43 | 204,858 | 1,291,418 |
| 2014-12-01 | 0.8333 | 5 | 6 | 7,967 | 10,023 |
| 2014-09-01 | 0.4286 | 3 | 7 | 11,969 | 28,610 |
| 2014-06-01 | 1.0 | 1 | 1 | 133.02 | 993.00 |
| 2014-03-01 | 0.8108 | 30 | 37 | 98,364 | 35,918 |
| 2013-12-01 | 0.1892 | 7 | 37 | 19,365 | 44,403 |
| 2013-09-01 | 0.1667 | 2 | 12 | 8,176 | 20,627 |
| 2013-06-01 | 0.1538 | 4 | 26 | 20,474 | 37,244 |
| 2013-03-01 | 0.5714 | 20 | 35 | 102,160 | 24,605 |
| 2012-12-01 | 0.2632 | 5 | 19 | 20,002 | 23,817 |
| 2012-09-01 | 0.1 | 2 | 20 | 3,617 | 15,948 |
| 2012-06-01 | 0.2174 | 5 | 23 | 12,307 | 35,046 |
| 2012-03-01 | 0.5625 | 27 | 48 | 100,511 | 31,266 |
| 2011-12-01 | 0.5 | 5 | 10 | 3,593 | 9,970 |
| 2011-09-01 | 2.5 | 10 | 4 | 13,710 | 2,017 |
| 2011-06-01 | 0.3636 | 4 | 11 | 555.02 | 7,133 |
| 2011-03-01 | 1.3333 | 32 | 24 | 94,568 | 11,130 |
| 2010-12-01 | 0.6 | 6 | 10 | 4,246 | 11,270 |
| 2010-09-01 | 1.0 | 5 | 5 | 10,269 | 2,146 |
| 2010-06-01 | 0.2778 | 5 | 18 | 2,392 | 9,539 |
| 2010-03-01 | 1.5625 | 25 | 16 | 86,462 | 16,188 |
| 2009-12-01 | 0.3846 | 5 | 13 | 11,779 | 10,946 |
| 2009-09-01 | 0.5 | 2 | 4 | 581.72 | 2,305 |
| 2009-06-01 | 0.3636 | 4 | 11 | 5,571 | 2,785 |
| 2009-03-01 | 2.6667 | 32 | 12 | 82,664 | 14,864 |
| 2008-12-01 | 1.1667 | 7 | 6 | 8,176 | 6,988 |
| 2008-09-01 | 0.25 | 1 | 4 | 63.21 | 4,750 |
| 2008-06-01 | 0.2 | 11 | 55 | 7,584 | 20,673 |
| 2008-03-01 | 5.3333 | 32 | 6 | 93,090 | 4,931 |
| 2007-12-01 | 4.0 | 4 | 1 | 2,295 | 1,212 |
| 2007-09-01 | 0.2727 | 6 | 22 | 743.56 | 21,520 |
| 2007-06-01 | 0.3243 | 12 | 37 | 12,659 | 50,000 |
| 2007-03-01 | 5.8333 | 35 | 6 | 77,257 | 20,000 |
| 2006-12-01 | 0.14 | 7 | 50 | 1,464 | 54,077 |
| 2006-09-01 | 0.1875 | 9 | 48 | 12,566 | 31,018 |
| 2006-06-01 | 27.0 | 27 | 1 | 30,595 | 0.00 |
| 2006-03-01 | 0.3137 | 16 | 51 | 1,783 | 18,500 |
| 2005-12-01 | 0.4375 | 14 | 32 | 4,217 | 25,332 |
| 2005-09-01 | 0.4167 | 5 | 12 | 80.46 | 9,740 |
| 2005-06-01 | 0.5065 | 39 | 77 | 66,242 | 91,107 |
| 2005-03-01 | 0.2333 | 7 | 30 | 1,954 | 30,000 |
| 2004-12-01 | 0.1042 | 15 | 144 | 13,938 | 168,454 |
| 2004-06-01 | 0.1711 | 13 | 76 | 18,370 | 68,990 |
| 2004-03-01 | 0.15 | 3 | 20 | 815.00 | 18,315 |
| 2003-12-01 | 0.121 | 15 | 124 | 13,462 | 82,035 |
| 2003-09-01 | 0.125 | 3 | 24 | 2,636 | 44,033 |
| 2003-03-01 | 1.0 | 1 | 1 | 23,118 | 6,476 |
UMB Financial Notable Stakeholders
An UMB Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as UMB Financial often face trade-offs trying to please all of them. UMB Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting UMB Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
| James Rine | President CEO of the Bank | Profile | |
| Mariner Kemper | Chairman of the Board and Presidentident, CEO | Profile | |
| Elizabeth Lewis | President Officer | Profile | |
| James Sangster | Executive President | Profile | |
| Dominic Karaba | President Banking | Profile | |
| Shannon Johnson | Chief Human Resource Officer, Executive Vice President | Profile | |
| James Cornelius | President of Institutional Banking | Profile | |
| Thomas Terry | Executive Vice President Chief Lending Officer | Profile | |
| Liz Lewis | President Officer | Profile | |
| James Mason | President Division | Profile | |
| Ram Shankar | Executive CFO | Profile | |
| Robert Beaird | Chief VP | Profile | |
| David Odgers | Chief VP | Profile | |
| Uma Wilson | Executive Officer | Profile | |
| Heather Miller | Marketing Sales | Profile | |
| Stacy King | Executive Officer | Profile | |
| Amy Harris | Executive Officer | Profile | |
| Brian Kaufman | Managing Management | Profile | |
| Kay Gregory | IR Contact Officer | Profile | |
| Nikki Newton | National Bank | Profile |
About UMB Financial Management Performance
The success or failure of an entity such as UMB Financial often depends on how effective the management is. UMB Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of UMB management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the UMB management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.11 | 0.09 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.11 | 0.07 |
UMB Financial Workforce Analysis
Traditionally, organizations such as UMB Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare UMB Financial within its industry.UMB Financial Manpower Efficiency
Return on UMB Financial Manpower
| Revenue Per Employee | 713.1K | |
| Revenue Per Executive | 131.8M | |
| Net Income Per Employee | 119.3K | |
| Net Income Per Executive | 22.1M |
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When running UMB Financial's price analysis, check to measure UMB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UMB Financial is operating at the current time. Most of UMB Financial's value examination focuses on studying past and present price action to predict the probability of UMB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UMB Financial's price. Additionally, you may evaluate how the addition of UMB Financial to your portfolios can decrease your overall portfolio volatility.
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