Monitor for the filing of the S-4 registration statement and subsequent proxy materials, which will disclose financial terms and deal value. The Q1 2027 close timeline suggests regulatory review will be a key catalyst over the next 3-5 months.
Price Chart
Executive Summary
UMB Financial Corp filed a sixth Rule 425 communication on October 27, 2026, containing an internal article announcing the definitive agreement to acquire El Dorado Savings Bank. The filing reiterates the deal's strategic rationale (adding 35 branches in California and Nevada, expanding to 227 branches across 15 states) and confirms the expected close in Q1 2027 with systems conversion in late Q1 or early Q2 2027. No new financial terms, price per share, or deal value were disclosed.
Key Financial Metrics
Key Facts
- UMB Financial Corp announced a definitive agreement to acquire El Dorado Savings Bank, F.S.B.
- The transaction adds 31 branches in California and 4 in Nevada, expanding UMB's network to 227 branches across 15 states.
- The deal is expected to close in Q1 2027, with systems conversion in late Q1 or early Q2 2027.
- The transaction is subject to customary closing conditions, including regulatory approvals and El Dorado shareholder approval.
- No financial terms, price per share, or deal value were disclosed in this filing.
Financial Impact
No financial terms disclosed; the deal provides $2.1 billion in low-cost consumer deposits with a 24% loan-to-deposit ratio (per prior filings).
Risk Factors
- Regulatory approval risk, particularly given the California expansion and current DOJ/FDIC scrutiny of bank mergers
- Integration risk from adding 35 branches across two new states
- Shareholder approval risk from El Dorado shareholders
- Potential dilution from issuance of UMB shares in connection with the transaction
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 425 Filing (Primary) | 0001193125-26-434392 |
| Document: 0001193125-26-434392-index-headers.html | 0001193125-26-434392 |
| Document: 0001193125-26-434392-index.html | 0001193125-26-434392 |
| Document: 0001193125-26-434392.txt | 0001193125-26-434392 |
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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