UMB FINANCIAL CORP (UMBF) - Dilution Analysis

Visualizing historical and potential share dilution over time

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Dilution Analysis

Medium Risk

Moderate dilution risk

Last updated: October 30, 2025

Risk Assessment Details

Potential Dilution: 0.0% of current shares

Recent Dilution: 53.51% (2 years)

Historical Dilution Factor: significant recent dilution

Outstanding Shares

76M

Potential Supply

Additional shares possible

Splits

None

Past 2 years

Summary

UMBF currently has 75.9M outstanding shares. with minimal authorized share overhang for future dilution. The company has significantly diluted shareholders by 53.51% over the past 2 years, indicating aggressive capital raising.

Share Structure Timeline

Outstanding Shares

Total Supply

Historical Data Points

Date	Event	Outstanding
Oct 30, 2025	10-Q filing \| 75.9M shares outstanding	76M
May 02, 2025	10-Q filing \| 75.9M shares outstanding	76M
Apr 29, 2025	8-K filing: UMB Financial Corporation authorized the repurchase of up to one million shares of its common stock.	73M
Feb 27, 2025	10-K filing \| 72.6M shares outstanding	73M
Oct 31, 2024	10-Q filing \| 48.8M shares outstanding	49M
Aug 01, 2024	10-Q filing \| 48.7M shares outstanding	49M
May 07, 2024	10-Q filing \| 48.7M shares outstanding	49M
Feb 22, 2024	10-K filing \| 48.8M shares outstanding	49M
Oct 26, 2023	10-Q filing \| 48.5M shares outstanding	49M
Jul 27, 2023	10-Q filing \| 48.5M shares outstanding	49M
Apr 27, 2023	10-Q filing \| 48.4M shares outstanding	48M
Feb 23, 2023	10-K filing \| 48.3M shares outstanding	48M
Oct 27, 2022	10-Q filing \| 48.3M shares outstanding	48M
Jul 28, 2022	10-Q filing \| 48.3M shares outstanding	48M
Apr 28, 2022	10-Q filing \| 48.4M shares outstanding	48M
Feb 24, 2022	10-K filing \| 48.3M shares outstanding	48M
Oct 28, 2021	10-Q filing \| 48.3M shares outstanding	48M
Jul 29, 2021	10-Q filing \| 48.3M shares outstanding	48M
Apr 29, 2021	10-Q filing \| 48.1M shares outstanding	48M
Mar 01, 2021	10-K filing \| 48.1M shares outstanding	48M
Oct 29, 2020	10-Q filing \| 48.1M shares outstanding	48M
Jul 30, 2020	10-Q filing \| 48.0M shares outstanding	48M
Apr 30, 2020	10-Q filing \| 48.7M shares outstanding	49M
Feb 27, 2020	10-K filing \| 49.1M shares outstanding	49M

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