{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d",
    "symbol": "UMBF",
    "name": "UMB Financial Corporation",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d",
      "symbol": "UMBF",
      "name": "UMB Financial Corporation",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "UMBF",
    "market_cap_usd": 9871156211.84,
    "price": 135.369995,
    "currency": "USD",
    "dividend_yield": 0.013,
    "dividend_years": 40,
    "dividend_growth_5y": 0.05452169,
    "dividend_cut_5y": false,
    "payout_ratio": 0.1452,
    "net_income": 702398000.0,
    "free_cash_flow": 978109000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.03303994,
    "revenue_growth_5y": 0.27956723,
    "net_margin": 0.32301998,
    "roe": 0.12109,
    "pe_ratio": 11.833042,
    "price_vs_ma": 0.12115021,
    "return_3y": 1.47858639,
    "return_5y": 0.55572047,
    "max_drawdown": -0.49827875,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 96.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/",
      "chart": "https://sharemaestro.com/terminal/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 96.0,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF qualified as a dividend compounder candidate",
      "detail": "Score 96.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2026-06-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.43 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.43,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2026-03-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.43 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.43,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2025-12-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 7.5%",
      "detail": "Payment changed from 0.4 to 0.43.",
      "amount": 0.43,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2025-12-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.43 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.43,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2025-09-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.4 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.4,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2025-06-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.4 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.4,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2025-03-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.4 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.4,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2024-12-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.4 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.4,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2024-09-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.39 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.39,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2024-06-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.39 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.39,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2024-03-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.39 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.39,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2023-12-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.39 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.39,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2023-09-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "UMBF dividend payment 0.38 USD",
      "detail": "Recorded dividend payment for UMB Financial Corporation.",
      "amount": 0.38,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2021-09-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 15.6%",
      "detail": "Payment changed from 0.32 to 0.37.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2018-03-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.5%",
      "detail": "Payment changed from 0.275 to 0.29.",
      "amount": 0.29,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2017-12-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 7.8%",
      "detail": "Payment changed from 0.255 to 0.275.",
      "amount": 0.275,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2011-12-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.1%",
      "detail": "Payment changed from 0.195 to 0.205.",
      "amount": 0.205,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    },
    {
      "event_date": "2010-12-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "UMBF",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.4%",
      "detail": "Payment changed from 0.185 to 0.195.",
      "amount": 0.195,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f4eac8c0-2d79-4d2e-87b4-a5f0e9b7f13d/"
    }
  ]
}