{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-119997","form_type":"8-K","ticker":"UMBF","cik":"0000101382","company_name":"UMB FINANCIAL CORP","filed_at":"2024-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.880504+00:00","generated_at":"2026-06-03T05:19:46.658966+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"UMB Financial Q1 net income $110.3M ($2.25 EPS); declares $0.39 dividend, authorizes 1M share buyback","bullets":["GAAP net income $110.3M ($2.25 diluted EPS); net operating income $120.7M ($2.47 diluted EPS).","Average loans up 9.8% YoY to $23.4B; average deposits up 6.2% YoY to $33.5B.","Net interest income $239.4M (+3.9% linked quarter); noninterest income $159.2M (+22.3% YoY).","Board declared $0.39/share quarterly dividend, payable July 1 to shareholders of record June 10.","Authorized repurchase of up to 1M shares of common stock until the 2025 annual meeting."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-119997","json":"https://secwatch.observer/filing/0001193125-24-119997.json","markdown":"https://secwatch.observer/filing/0001193125-24-119997.md","text":"https://secwatch.observer/filing/0001193125-24-119997.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101382/000119312524119997/0001193125-24-119997-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101382/000119312524119997/d830662d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T05:19:46.658966+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"b1b303a5d51b26bcb37d1aeff8cdc2a2e9c73b41","claim":"UMB FINANCIAL CORP reported the quarter ended March 31, 2024 results: net income $110.3 million, EPS $2.25 per diluted share.","evidence_excerpt":"UMB Financial Corporation Reports First Quarter 2024 Net Income of $110.3 Million and Net Operating Income (i) of $120.7 Million.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/101382/000119312524119997/0001193125-24-119997-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$110.3 million"},{"label":"EPS","value":"$2.25 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}