Monitor for the S-4 registration statement and definitive proxy/prospectus, which will disclose financial terms, expected close date, and regulatory approval timeline. The deal is expected to close before end of Q1 2027 per prior filings.
Price Chart
Executive Summary
UMB Financial Corp filed a fourth Rule 425 communication on October 27, 2026, containing an internal email from management to regional advisory boards announcing the agreement to acquire El Dorado Savings Bank. The email emphasizes strategic benefits: obtaining core, low-cost consumer deposits with a low loan-to-deposit ratio to fund loan growth, and expanding the West Coast retail presence into California and Nevada. No financial terms, price per share, or expected close date were disclosed.
Key Financial Metrics
Key Facts
- UMB Financial Corp announced a definitive agreement to acquire El Dorado Savings Bank, F.S.B., a $2.4 billion bank with 35 branches across California and Nevada.
- The acquisition is intended to provide core, granular, low-cost consumer deposits with a low loan-to-deposit ratio, enhancing liquidity for loan growth.
- The deal expands UMB's West Coast retail presence, broadening its branch footprint in California and into Nevada.
- No financial terms, price per share, or expected close date were disclosed in this filing.
- This is the fourth 425 filing on October 27, 2026, indicating an active deal process.
Financial Impact
No financial terms disclosed; El Dorado Savings Bank has $2.4 billion in assets and 35 branches.
Risk Factors
- Regulatory approval risk; bank mergers face scrutiny from the Federal Reserve, OCC, and FDIC.
- Integration risk, including potential job reductions in support functions and systems conversion targeted for Q2 2027.
- No financial terms disclosed, making valuation and dilution assessment impossible at this stage.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 425 Filing (Primary) | 0001193125-26-434378 |
| Document: 0001193125-26-434378-index-headers.html | 0001193125-26-434378 |
| Document: 0001193125-26-434378-index.html | 0001193125-26-434378 |
| Document: 0001193125-26-434378.txt | 0001193125-26-434378 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 30, 2026 1d ago | 3 | $134.58 | awaiting T+1 | awaiting T+1 | $134.47 (−0.08%) |
Oct 30, 2026 1d ago | 144 | $134.58 | awaiting T+1 | awaiting T+1 | $134.47 (−0.08%) |
Oct 30, 2026 1d ago | 144 | $134.58 | awaiting T+1 | awaiting T+1 | $134.47 (−0.08%) |
Oct 30, 2026 1d ago | 144 | $136.20 | awaiting T+1 | awaiting T+1 | $134.47 (−1.27%) |
Oct 30, 2026 1d ago | 425 | $136.20 | awaiting T+1 | awaiting T+1 | $134.47 (−1.27%) |
Oct 30, 2026 2d ago | 144 | $133.61 | awaiting T+1 | awaiting T+1 | $134.47 (+0.65%) |
Oct 29, 2026 2d ago | 425 | $134.58 | awaiting T+1 | awaiting T+1 | $134.47 (−0.08%) |
Oct 29, 2026 2d ago | 8-K | $136.16 | awaiting T+1 | awaiting T+1 | $134.47 (−1.24%) |
Oct 28, 2026 3d ago | 425 | $136.16 $134.47 | ▼ −1.24% | ▲ +0.53% | $134.47 (−1.24%) |
Oct 27, 2026 4d ago | 425 | $132.34 $136.16 | ▲ +2.89% | ▲ +3.27% | $134.47 (+1.61%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers