This filing contains no new financial terms or deal structure updates. Monitor for the S-4 registration statement which will disclose the exchange ratio and financial projections. The Q1 2027 close timeline and lack of disclosed opposition suggest a straightforward regulatory path, but the California and Nevada regulatory reviews remain the key gating items.
Price Chart
Executive Summary
UMB Financial Corp filed a fifth Rule 425 communication on October 27, 2026, containing an internal Q&A document for UMB associates regarding the pending acquisition of El Dorado Savings Bank. The Q&A reiterates deal rationale ($2.1B in low-cost consumer deposits, 24% loan-to-deposit ratio, 35 branches in CA and NV), confirms expected close in Q1 2027 with systems conversion in late Q1 or early Q2 2027, and provides rules of engagement for employee interactions. No new financial terms, price per share, or deal value were disclosed.
Key Financial Metrics
Key Facts
- UMB announced definitive agreement to acquire El Dorado Savings Bank on October 27, 2026
- El Dorado has $2.4B in assets, $2.1B in total deposits, $0.5B in total loans as of June 30, 2026
- Acquisition adds 31 branches in California and 4 in Nevada, expanding UMB network to 227 branches across 15 states
- Transaction expected to close in Q1 2027, subject to regulatory approvals and El Dorado shareholder approval
- Systems conversion anticipated late Q1 or early Q2 2027
- No branch closures planned; customer-facing El Dorado roles expected to be retained
- No financial terms, price per share, or deal value disclosed
Financial Impact
Acquisition provides $2.1B in core consumer deposits with 24% loan-to-deposit ratio; no purchase price disclosed
Risk Factors
- Regulatory approval risk from California and Nevada banking regulators
- Integration execution risk given 35 branches and systems conversion timeline
- No purchase price disclosed, making dilution assessment impossible
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 425 Filing (Primary) | 0001193125-26-434388 |
| Document: 0001193125-26-434388-index-headers.html | 0001193125-26-434388 |
| Document: 0001193125-26-434388-index.html | 0001193125-26-434388 |
| Document: 0001193125-26-434388.txt | 0001193125-26-434388 |
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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