UMBF

UMB FINANCIAL CORP

148.26^post−$0.07 (−0.05%)at close +$0.00 (+0.00%)

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as of 19:59:59 UTCnext report Oct 27 · 83d

Earnings Room‹ back to UMBF

The report

fiscal Q3 2026 · from the company's notice

Oct 27after close83days out

Expected movement

market-implied · at the Aug 4 close

±9.5%is what the chain prices between now and the expiry below. Not a view we hold.

That span is 136days, so it covers the report plus the ordinary movement around it. The chain doesn't yet quote a second expiry we can separate the two with; the range narrows onto the report as it approaches.

expiry Dec 18 · first after the reportATM strike 150straddle 16.60ATM IV 23%× 0.85 straddle-to-rangespot 148.26

Blast radius

6 linked · N-PORT + EDGAR

If UMBF moves ±9.5% over this report, these carry part of it. Fund rows are arithmetic on published holding weights — what an index fund does by construction. Company rows are named by filings and their coefficient measured against two years of daily returns.

IWMfundiShares Russell 2000 ETF0.28% of the fund0.03%MDYfundState Street SPDR S&P MidCap 400SM ETF Trust0.25% of the fund0.02%VIGfundVanguard Dividend Appreciation Index Fund0.04% of the fund0.00%VTIfundVanguard Total Stock Market Index Fund0.01% of the fund0.00%BACsupplierBofA Securities, Inc.×0.55 · 501 days5.2%NDAQsupplierThe NASDAQ Stock Market LLC (NASDAQ)×0.34 · 500 days3.2%

Positioning

3 expiries · as of the Jul 30 close

Contracts already committed, not just traded today — puts against calls, sized by expiry. The tick is today's volume moving against that stance; the arrow, how much built up since the prior session.

OI ΔPutsOI

Expiry

OICallsOI Δ

▲ +0%

Aug 21

22d

102

▼ −2%

▲ +0%

Sep 18

50d

333

▲ +1%

▲ +0%

Dec 18

141d

178

▲ +1%

The record

expected in pale · actual in full color

0/8reports moved further than the options market had pricedtypically ±2.1% realized vs ±5.4% priced

Jul 28 '26±5.1%→+3.0%×0.58

Apr 28 '26±4.8%→−0.9%×0.19

Jan 27 '26±4.9%→−0.2%×0.03

Oct 28 '25±5.5%→−3.2%×0.58

Jul 29 '25±4.9%→+1.5%×0.30

Apr 29 '25±6.0%→−3.3%×0.55

Jan 28 '25±5.1%→+0.8%×0.15

Oct 29 '24±6.5%→+4.2%×0.64

pale = implied the day beforeink = the next day's close× = realized ÷ implied

2-quarter memory

Q2 FY26 · reported 3.56 · rev $778M

record note

The note composes when the report lands. Nothing is written for a quarter that hasn't been read.