Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 73

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 1B
Chunk 73
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 Company’s methods or models in assessing business strategies or opportunities or in valuing, measuring, monitoring, or managing positions or risk;

•the Company’s ability to keep pace with changes in technology that affect the Company or its customers, counterparties, or competitors;

•mergers, acquisitions, or dispositions, including the Company’s ability to integrate acquisitions and divest assets;

•the Company’s ability to complete the planned issuance of shares of the Company’s common stock in connection with the forward sale agreements; 

•the Company’s ability to manage the expenses associated with the merger with HTLF and the impact these expenses may have on the Company’s financial results;

•the benefits from the merger with HTLF may not be fully realized or may take longer to realize than expected;

•the Company’s ability to promptly and effectively integrate the merger of HTLF;

•the adequacy of the Company’s succession planning for key executives or other personnel;

•the Company’s ability to grow revenue, control expenses, or attract and retain qualified employees;

•natural disasters, war, terrorist activities, including instability in the Middle East and Russia's military action in Ukraine, pandemics, and their effects on economic and business environment in which the Company operates;

•macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of, and challenges for, domestic and international banks, including the impacts to the U.S. and global economies and reputational harm to the U.S. banking system; or

•other assumptions, risks, or uncertainties described in the Risk Factors (Item 1A), Management’s Discussion and Analysis of Financial Condition and Results of Operations (Item 7), or the Notes to the Consolidated Financial Statements (Item 8) in this Annual Report on Form 10-K or described in any of the Company’s annual, quarterly or current reports.

Any forward-looking statement made by the Company or on its behalf speaks only as of the date that it was made. The Company does not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that the Company may make in any subsequent Annual Report on Form 10-K, Quarterly Report on Form 10-Q, or Current Report on Form 8-K.

37

Results of Operations

Overview

The Company focuses on the following four core financial objectives.  Management believes these objectives will