UMB Financial Corporation· UMBF

🇺🇸 US · LargeSP400NASDAQ

Financial Services Banks - Regional Website

Price: $134.52
Day: -0.18%
Mkt Cap: $10.22B
52W Range: $103.38 – $153.32
Volume: 1.66M
Beta: 0.78

D55D FrameworkQuarterly Data

Holdings Analysis

Insider activity, institutional flows, and fund ownership.

Smart Money: 4.1 / 5 (Bullish), from 3 of 3 components
Institutions Q2 2026: 489 institutions hold; 261 added, 144 reduced
Insiders Q3 2026: 2 purchases ($135.0K), 13 sales ($5.6M)

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UMB Financial Corporation

UMBF|Financial Services|Banks - Regional

Current price: $135

Smart Money

Dimension 5 of 5

Insider selling pace · Q3 2026

2.6x

vs own 6-quarter average

Seller breadth · Q3 2026

10 sellers

vs 3.7 avg per quarter

Institutional net breadth · Q2 2026

+149

347 adding vs 198 reducing

Institutional ownership · Q2 2026

97.3%

489 institutions

Insider Selling Pace

Each quarter's selling vs this stock's own trailing 6-quarter average

Light <0.5xRoutineElevated >1.5xHeavy >3xBuying

Institutional Positions

Institutions adding above the line, reducing below, net as a line

NewIncreasedReducedClosedNet

Largest Institutional Holders, Q2 2026

By reported market value, and how each moved in the quarter

Holder

Change

BLACKROCK, INC.

10.2M

+9.5%

UMB BANK, N.A.

4.7M

-0.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

4.2M

+2.0%

STATE STREET CORP

4.1M

+4.0%

VANGUARD CAPITAL MANAGEMENT LLC

3.1M

+1.1%

DIMENSIONAL FUND ADVISORS LP

3.0M

+4.3%

ETF & Fund Activity, Q2 2026

How the covering funds split between buying, holding and selling

104

112

104 buying112 unchanged99 selling

308 funds held UMBF in Q2 2026, holding 36.7M shares between them, down 1.0% on the quarter.

Largest fund holders

SPDR SERIES TRUST1.7M sh

MASTER INVESTMENT PORTFOLIO22.2K sh

THRIVENT SERIES FUND INC22.1K sh

Notable Insider Transactions, Q3 2026

Largest open-market purchases and sales by value in the last eight quarters

Sale · Aug 4

KEMPER J MARINER

$2.2M

Sale · Dec 2

KEMPER J MARINER

$1.8M

Sale · Aug 13

KEMPER J MARINER

$1.8M

Insider transactions from SEC Form 4 filings; institutional holdings from quarterly 13F filings, which are reported with a lag and can overlap between filers. 13F: quarterly institutional holdings report · ETF: Exchange-Traded Fund

See the complete picture

The full 5D Framework: Business Quality · Peer Comparison · Valuation · Analyst Sentiment · Smart Money

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Generated September 21, 2026

For educational purposes only. Not financial advice. Data may be delayed or incomplete.

Smart Money Sentiment

UMBF Smart Money Sentiment Score

A weighted 1-5 sentiment score across three smart money signals.

Smart Money

4.1/5

Bullish

Weighted across 3 components

Component Breakdown (3 of 3 available)

Insider Activity

40% weight

+38

Institutional Flow

50% weight

+82

Fund Flow

10% weight

Overall Smart Money sentiment of 4.1/5 (Bullish) based on a weighted combination of 3 components. Insider activity uses a relative-baseline comparison against the stock's own history; institutional flow tracks position momentum and 13F share changes; fund flow measures ETF / mutual-fund buying vs selling. Higher scores indicate stronger bullish sentiment from professional investors.Last updated September 20, 2026.

Insider Trading Activity

Insider trading analysis comparing the latest quarter against the stock's own historical baseline.

Insider Selling Pace for UMBF

Each quarter's selling vs the stock's own trailing 6-quarter average; 1.0x is typical for this stock. Green triangles mark quarters with insider buying.

Bullish Signal

Insider buying in Q3 2026

Modest: 2 purchases totaling $135.0K (967 shares)

13 sales totaling $5.6M (37.4K shares)

Share volume is above the historical average

10 different insiders sold this quarter

Insider buying in 3 of the last 4 quarters

2.6x

Selling pace

vs own 6-qtr average

Elevated

0.95%

Stake sold

of active insiders' holdings

10 sellers

Seller breadth

vs 3.7 avg per quarter

$135.0K

Insider buying

2 buyers in Q3 2026

Notable Recent Transactions, UMBF

Top 8 highest-value insider trades from the last 8 quarters

KEMPER J MARINER

CEO

Sell

15,062 shares at $148.55

≈1.0% of their stake at the time

Aug 4, 2026$2.24M

KEMPER J MARINER

CEO

Sell

14,668 shares at $125.18

≈0.9% of their stake at the time

Dec 2, 2024$1.84M

KEMPER J MARINER

CEO

Sell

15,523 shares at $116.33

≈1.0% of their stake at the time

Aug 13, 2025$1.81M

KEMPER J MARINER

CEO

Sell

15,367 shares at $114.58

≈1.0% of their stake at the time

Dec 8, 2025$1.76M

KEMPER J MARINER

CEO

Sell

15,245 shares at $101.56

≈0.9% of their stake at the time

Oct 1, 2024$1.55M

KEMPER J MARINER

CEO

Sell

9,632 shares at $124.61

≈0.6% of their stake at the time

Dec 2, 2024$1.20M

KEMPER J MARINER

CEO

Sell

10,404 shares at $108.42

≈0.7% of their stake at the time

Nov 1, 2024$1.13M

KEMPER J MARINER

CEO

Sell

7,972 shares at $128.04

≈0.5% of their stake at the time

Feb 2, 2026$1.02M

Institutional Ownership Analysis

Institutional ownership analysis with position momentum, 13F share flow, and ownership percentage trends.

Institutional Positions for UMBF

Institutions adding (new + increased) above zero, reducing (reduced + closed) below, net as a line

New Increased Reduced Closed Net (adding − reducing)

Very Bullish

Institutions accumulating in Q2 2026

97.3% institutional ownership

Moderate accumulation: 347 adding vs 198 reducing

13F shares increased by 5.5%, a significant shift

+149

Net breadth

347 adding vs 198 reducing

Accumulating

1.75

Add / reduce ratio

in Q2 2026

+32

New − closed

86 initiated, 54 exited

7 of 10

Top holders adding

largest holders with a known change

Position Changes

Q2 2026: how are institutions adjusting their positions?

+347 growing-198 shrinkingNet: +149

261

144

New (86)

Increased (261)

Reduced (144)

Closed (54)

Top Institutional Holders, UMBF

Largest 8 institutional positions by ownership percentage as of Q2 2026

BLACKROCK, INC.

10.2M

$1.5B

Ownership

13.45%

+9.5%

UMB BANK, N.A.

4.7M

$667.4M

Ownership

6.15%

-0.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

4.2M

$601.5M

Ownership

5.55%

+2.0%

STATE STREET CORP

4.1M

$591.8M

Ownership

5.44%

+4.0%

VANGUARD CAPITAL MANAGEMENT LLC

3.1M

$446.9M

Ownership

4.12%

+1.1%

DIMENSIONAL FUND ADVISORS LP

3.0M

$432.7M

Ownership

3.99%

+4.3%

FMR LLC

2.7M

$381.4M

Ownership

3.52%

+10.4%

GEODE CAPITAL MANAGEMENT, LLC

2.1M

$294.8M

Ownership

2.72%

+6.2%

ETF and Mutual Fund Holdings

ETF and mutual fund activity breakdown showing buying vs selling funds, top fund holders, and detailed holdings.

Fund Activity

Q2 2026: 315 ETFs and mutual funds reporting

104 buying99 sellingNet: +5

104

112

Buying (104)

Unchanged (112)

Selling (99)

In total, funds bought 1.5M shares and sold 1.9M this quarter. Each fund counts once in the bar above, whatever the size of its move.

Neutral

Mixed fund activity in Q2 2026

315 ETFs and mutual funds reporting

104 buying vs 99 selling (balanced)

Top Fund Holders, UMBF

Largest 8 ETF and mutual fund positions by shares held, each fund's latest filing

SPDR SERIES TRUST

1.7M

Weight

8.47%

Jul 31, 2026No change

MASTER INVESTMENT PORTFOLIO

22.2K

Weight

0.02%

Jun 30, 2026Increased

THRIVENT SERIES FUND INC

22.1K

Weight

0.02%

Jun 30, 2026Decreased

PRINCIPAL VARIABLE CONTRACTS FUNDS INC

22.0K

Weight

0.07%

Jun 30, 2026Decreased

BLACKROCK FUNDS

21.8K

Weight

0.00%

Jun 30, 2026Increased

BRIDGEWAY FUNDS INC

21.0K

Weight

1.21%

Jun 30, 2026Increased

PUTNAM VARIABLE TRUST

17.7K

Weight

0.10%

Jun 30, 2026Increased

NATIONWIDE MUTUAL FUNDS

17.4K

Weight

0.00%

Jul 31, 2026Increased

UMB Financial Corporation· UMBF

Holdings Analysis

Insider Trading Activity

1.3Transaction History185Real market purchases and sales onlyShow All Types

Institutional Ownership Analysis

2.4Detailed Holdings140Most recent institutional positions with changes and valuations

ETF and Mutual Fund Holdings

3.3Fund Holdings Details25Most recent ETF and mutual fund holdings with share counts and weights

Search stocks

Holdings Analysis

Insider Trading Activity

1.3Transaction History185Real market purchases and sales onlyShow All Types

Institutional Ownership Analysis

2.4Detailed Holdings140Most recent institutional positions with changes and valuations

ETF and Mutual Fund Holdings

3.3Fund Holdings Details25Most recent ETF and mutual fund holdings with share counts and weights