GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

UMBF · Jun 30, 2025

UMB FINANCIAL CORP. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000950170-25-100572Bank
Sequential deposit growth43thOwn-history percentile · N=14
Evidence method

Sequential · gp.financial.deposits

2.50% · CORE · VALID

Net-income growth100thOwn-history percentile · N=11
Evidence method

Yoy · gp.fundamentals.net_income

114.51% · CORE · VALID

Interest-income growth73thOwn-history percentile · N=11
Evidence method

Yoy · gp.financial.interest_income

58.01% · CORE · VALID

Cash and equivalents100thOwn-history percentile · N=15
Evidence method

Level · gp.fundamentals.cash

$11.0B · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History19 statesSelf-history eligible
Dec 31, 20210/3 normalizedLevel 3Mar 31, 20220/3 normalizedLevel 3Jun 30, 20220/3 normalizedLevel 3Sep 30, 20220/6 normalizedLevel 3Dec 31, 20220/6 normalizedLevel 3Mar 31, 20230/6 normalizedLevel 3Jun 30, 20230/6 normalizedLevel 3Sep 30, 20231/6 normalizedLevel 3Dec 31, 20233/6 normalizedLevel 3Mar 31, 20243/6 normalizedLevel 3Jun 30, 20242/5 normalizedLevel 3Sep 30, 20244/4 normalizedLevel 3Dec 31, 20244/4 normalizedLevel 3Mar 31, 20254/4 normalizedLevel 3Jun 30, 20254/4 normalizedLevel 3Sep 30, 20254/4 normalizedLevel 3Dec 31, 20254/4 normalizedLevel 3Mar 31, 20264/4 normalizedLevel 3Jun 30, 20264/4 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
35.65%
Current
2.50%
Delta
-33.14%
Earnings Growth Increased
Previous
-26.23%
Current
114.51%
Delta
140.74%
Interest Income Growth Increased
Previous
41.90%
Current
58.01%
Delta
16.11%
Liquidity Increased
Previous
$10.6B
Current
$11.0B
Delta
$385.8M
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · UMBF Fundamental State →Transitioned To · UMBF Fundamental State →Transitioned To · UMBF DEPOSIT_GROWTH_DECREASED →Transitioned To · UMBF EARNINGS_GROWTH_INCREASED →Transitioned To · UMBF INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · UMBF LIQUIDITY_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.