UMB Financial Corporation Business Operations and Market Presence

UMB Financial Corporation is a leading financial services company with a strong presence in the Midwest. Headquartered in Kansas City, Missouri, the company operates over 300 banking locations across the region.

With a rich history dating back to 1902, UMB Financial Corporation has a long-standing commitment to serving its customers and communities. The company's focus on providing personalized service and innovative financial solutions has earned it a loyal customer base.

UMB Financial Corporation offers a wide range of financial services, including banking, investment, and insurance products. Its banking division provides commercial and consumer banking services to individuals, businesses, and organizations.

UMB Financial Corporation's market presence is significant, with a strong presence in the Midwest and a growing presence in other regions.

UMB Financial Corporation's financial performance has been quite impressive. The company's trailing total returns as of 1/2/2025 are a great indicator of its overall financial health.

The numbers show that UMB Financial has had a strong performance over the past few months, with a current month return of +0.35% and a 6-month return of +37.34%.

However, the 1-month return of -10.92% suggests that the company has experienced a significant drop in value over the past month.

Here are some key financial metrics that give us a better understanding of UMB Financial's performance:

These financial metrics provide a more detailed look at UMB Financial's performance, and they're definitely worth keeping an eye on.

UMB Financial Corporation operates through several lines of business, each providing a range of financial services to individuals and organizations.

Their Commercial Banking segment offers a variety of services, including commercial loans, credit cards, and treasury management services such as cash management tools and accounts payable solutions.

The Institutional Banking segment provides fund administration, asset management, and healthcare services, including custodial services for health savings accounts.

UMB Financial Corporation's Personal Banking segment offers a range of deposit accounts, retail credit cards, and private banking services, as well as internet banking and ATM services.

Here are the lines of business offered by UMB Financial Corporation:

UMB Financial Corporation operates in a variety of lines of business, providing a range of financial services to individuals, businesses, and institutions.

Accounts Receivable Financing is one of the company's main lines of business, allowing businesses to access cash flow quickly by selling their outstanding invoices to UMB. This service is particularly useful for companies with large accounts receivable balances.

Commercial Banking and Lending is another key area of focus, offering a range of commercial loan products and services, including commercial real estate financing and letters of credit. UMB's commercial banking team works closely with clients to understand their unique needs and provide tailored solutions.

UMB also offers Healthcare Services, including Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA), which allow individuals to set aside pre-tax dollars for medical expenses.

Here are some of the company's main lines of business:

UMB's diverse range of lines of business allows the company to serve a wide range of clients and provide a comprehensive suite of financial services.

Sales by Region is a critical aspect of any business operation. UMB Financial Corporation's sales data reveals a consistent trend in the United States market.

The company's sales in the United States have been steadily increasing, reaching $1.43B in 2022. This is a significant growth from the previous year.

Breaking down the sales data by fiscal period, we can see the following trend:

It's worth noting that sales in 2023 decreased slightly compared to 2022.

UMB Financial Corporation has a strong leadership team in place, with J. Kemper serving as the CEO since 2004. He is 52 years old and has been with the company for over 18 years.

The company's President is Jim Rine, who took on the role in 2024. He is 54 years old and has been with the company for over a decade. The Director of Finance/CFO is Ram Shankar, who has been in the role since 2016.

Here is a list of the company's top executives:

The company's board of directors is composed of experienced individuals, including Kris Robbins, who has been a Director/Board Member since 1999. Other notable board members include Gregory Graves, who has been in the role since 2002, and L. Sosland, who has been a Director/Board Member since 1997.

As you'd expect, the managers at UMB Financial Corporation are responsible for making key decisions and overseeing the company's operations.

J. Kemper serves as the CEO, a position he's held since April 30, 2004, when he was 50 years old.

Jim Rine is the President, a role he's been in since February 4, 2024, at the age of 54.

Ram Shankar is the Director of Finance/CFO, a position he's held since August 7, 2016, when he was 52 years old.

Uma Wilson is the Chief Tech/Sci/R&D Officer, a position she's held since August 31, 2021, at the age of 46.

Shannon Johnson is the Chief Administrative Officer, but her start date is unknown.

Here's a list of the current managers at UMB Financial Corporation:

The ages of the managers range from 45 to 67 years old.

Shareholders play a crucial role in a company's management and governance. In the case of UMB Financial Corporation, the largest shareholders are BlackRock Advisors LLC, Vanguard Fiduciary Trust Co., and UMB Bank, NA.

BlackRock Advisors LLC holds a significant 11.47% stake in the company, with a valuation of $702 million. This is a substantial amount of equity, indicating the company's reliance on BlackRock's support.

Vanguard Fiduciary Trust Co. is another major shareholder, holding 9.66% of the company's equities, valued at $592 million. This shows that Vanguard has a significant influence on the company's decisions.

UMB Bank, NA is also a major shareholder, holding 9.63% of the company's equities, valued at $590 million. This highlights the company's strong relationship with its bank subsidiary.

The other notable shareholders include STATE STREET CORPORATION, holding 5.79% of the company's equities, valued at $354 million, and Estate of R Crosby Kemper Jr, holding 4.66% of the company's equities, valued at $285 million.

Here's a breakdown of the top shareholders: