Watch for the S-4 registration statement filing, which will disclose the deal value, price per share, and financial projections. Regulatory approval timeline and any conditions imposed will be key to closing risk.
Price Chart
Executive Summary
UMB Financial Corp announced a definitive agreement to acquire El Dorado Savings Bank, adding 31 branches in California and 4 in Nevada, expanding its network to 227 branches across 15 states. The deal provides $2.1 billion in low-cost consumer deposits with a 24% loan-to-deposit ratio, expected to close in Q1 2027 subject to regulatory and shareholder approvals. No financial terms, price per share, or deal value were disclosed.
Key Financial Metrics
Key Facts
- UMB executed a definitive agreement to acquire El Dorado Savings Bank, a privately held federal savings bank based in Placerville, California.
- The acquisition adds 31 branches in California and 4 in Nevada, expanding UMB's network to 227 branches across 15 states.
- El Dorado has $2.1 billion in core, granular, low-cost consumer deposits and a 24% loan-to-deposit ratio.
- Transaction expected to close during Q1 2027, with systems conversion targeted for late Q1 or early Q2 2027.
- Closing is subject to regulatory approval and approval of El Dorado's shareholders.
- No financial terms, price per share, or deal value were disclosed in this filing.
Financial Impact
Acquisition provides $2.1 billion in low-cost consumer deposits; no deal value or price per share disclosed.
Risk Factors
- Regulatory approval may be delayed or denied, particularly given current scrutiny of bank mergers.
- Integration risks, especially given the recent Heartland acquisition still being completed.
- No financial terms disclosed, making it impossible to assess valuation or dilution impact.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 425 Filing (Primary) | 0001193125-26-434381 |
| Document: 0001193125-26-434381-index-headers.html | 0001193125-26-434381 |
| Document: 0001193125-26-434381-index.html | 0001193125-26-434381 |
| Document: 0001193125-26-434381.txt | 0001193125-26-434381 |
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
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