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

UMBF · Jun 30, 2026

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

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001193125-26-325054Bank
Sequential deposit growth28thOwn-history percentile · N=18
Evidence method

Sequential · gp.financial.deposits

-0.36% · CORE · VALID

Net-income growth73thOwn-history percentile · N=15
Evidence method

Yoy · gp.fundamentals.net_income

27.68% · CORE · VALID

Interest-income growth0thOwn-history percentile · N=15
Evidence method

Yoy · gp.financial.interest_income

2.45% · CORE · VALID

Cash and equivalents42thOwn-history percentile · N=19
Evidence method

Level · gp.fundamentals.cash

$5.6B · 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
Period transition

What moved in the state?

Deposit Growth Increased
Previous
-1.11%
Current
-0.36%
Delta
0.76%
Earnings Growth Decreased
Previous
221.44%
Current
27.68%
Delta
-193.76%
Interest Income Growth Decreased
Previous
17.49%
Current
2.45%
Delta
-15.04%
Liquidity Decreased
Previous
$6.3B
Current
$5.6B
Delta
-$651.5M
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.

Mar 31, 2026
Similarity
85%
Compared
4 dimensions
Coverage
100%
Liquidity 7.9 · Deposit Growth 10.1 · Earnings Growth 26.7 · Interest Income Growth 7.1
Sep 30, 2025
Similarity
60%
Compared
4 dimensions
Coverage
100%
Liquidity 39.1 · Deposit Growth 5.6 · Earnings Growth 18.3 · Interest Income Growth 66.7
Dec 31, 2024
Similarity
60%
Compared
4 dimensions
Coverage
100%
Liquidity 50.2 · Deposit Growth 55.6 · Earnings Growth 26.7 · Interest Income Growth 11.1
Research Graph

Related governed research

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.