UMBF dividend capture — median 1d pre-ex touch, 95% /30d touch rate over 20 ex-dates. Next ex-date, event history, after-tax calculator & simulator.
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
UMB Financial (UMBF) has touched its pre-ex close within 30 trading days in 95% of the last 20 ex-dividend events, with a median time-to-touch of 1 trading day (limit-order recovery basis). The dividend is below the typical daily price swing (signal-to-noise 0.16), meaning ordinary day-to-day noise can easily exceed the dividend itself.
Versus its sector, UMBF sits roughly in line with the Financial Services sector benchmark of 95%. The sector median time-to-touch is 1 trading day, matching the peer pace.
Historical base rates are not predictions; transaction costs, slippage, and ordinary-income tax on short holding periods can materially reduce realized profit. The next confirmed ex-dividend date is Sep 10, 2026, with an expected dividend of $0.50.
Touch rate (30d)
95%
Median days-to-touch
1d
Signal-to-noise
0.16
TL;DR over the most recent 20 events.
| Metric | Value | vs sector |
|---|---|---|
| 30-day touch rate | 95% | in line with sector |
| Median days-to-touch | 1d | in line with sector |
| Signal-to-noise (div / ATR) | 0.16 | -0.15 vs sector |
| Avg gap on ex-date | -0.33% | +0.26pp vs sector |
| Win rate at MOC exit | 40% | — |
| Median drawdown during hold | -5.33% | -0.92pp vs sector |
| Best / worst touch (days) | 1 / 8 | — |
Confirmed by company declaration.
Dividend
$0.50
Per-event yield
0.38%
Annualized yield
1.22%
Previously paid
Jun 10, 2026 ($0.43)
Last record date
Jun 10, 2026
Last payment date
Jul 1, 2026
Per-event gap on ex-date, the pre-ex close used as the touch target, trading days to first intraday highat or above that level, plus 5/30-day touch flags, drawdown and 5-day P&L for UMB Financial (UMBF). For a stricter close-at-bell exit timeline, use the simulator below (MOC mode). td = trading days from ex-date.
| Recovered 5d | Recovered 30d | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Q2 | $0.43 | -0.07% | $131.82 | 1 | yes | yes | -5.06% | +0.90% | |
| Q1 | $0.43 | -0.88% | $113.96 | 1 | yes | yes | -6.00% | -2.47% | |
| Q4 | $0.43 | -0.45% | $113.95 | 1 | yes | yes | -0.96% | +4.79% | |
| Q3 | $0.40 | -0.66% | $122.40 | 1 | yes | yes | -3.81% | -1.19% | |
| Q2 | $0.40 | -0.26% | $105.89 | 1 | yes | yes | -7.30% | -6.39% | |
| Q1 | $0.40 | -2.07% | $103.07 | 8 | no | yes | -7.93% | -0.71% | |
| Q4 | $0.40 | 0.19% | $123.67 | 1 | yes | yes | -9.45% | -2.43% | |
| Q3 | $0.39 | -0.09% | $101.74 | 1 | yes | yes | -3.52% | +3.51% | |
| Q2 | $0.39 | -1.47% | $80.88 | 1 | yes | yes | -2.44% | +0.21% | |
| Q1 | $0.39 | 0.72% | $83.72 | 1 | yes | yes | -6.34% | -4.67% | |
| Q4 | $0.39 | 0.08% | $76.26 | 1 | yes | yes | -1.61% | +9.32% | |
| Q3 | $0.38 | 0.08% | $61.13 | 1 | yes | yes | -1.98% | +4.12% | |
| Q2 | $0.38 | -0.57% | $66.60 | 1 | yes | yes | -15.45% | -4.59% | |
| Q1 | $0.38 | -0.37% | $86.17 | >30 | no | no | -40.49% | -23.80% | |
| Q4 | $0.38 | -0.70% | $81.53 | 1 | yes | yes | -5.59% | -4.21% | |
| Q3 | $0.37 | -0.11% | $89.93 | 1 | yes | yes | -2.64% | -0.03% | |
| Q2 | $0.37 | -0.60% | $91.40 | 1 | yes | yes | -10.75% | -9.77% | |
| Q1 | $0.37 | 2.15% | $96.95 | 1 | yes | yes | -1.44% | +5.68% | |
| Q4 | $0.37 | -1.11% | $105.32 | 1 | yes | yes | -7.28% | -0.57% | |
| Q3 | $0.37 | -0.33% | $89.08 | 1 | yes | yes | -2.47% | +1.03% |
First trading session whose intraday high reached the pre-ex close within the 30-day measurement window. td = trading days from ex-date.
| Touch window | Distribution | Count | Share |
|---|---|---|---|
| ≤ 1 day | 18 | 90% | |
| 2–3 days | 0 | 0% | |
| 4–5 days | 0 | 0% | |
| 6–10 days | 1 | 5% | |
| 11–30 days | 0 | 0% | |
| 30+ | 1 | 5% |
Pre-filled with UMBF's next expected dividend and recent close. Adjust tax rate, holding period and slippage to estimate after-tax capture yield.
U.S. ordinary-income rate (22-37%) applies on holds shorter than 61 days. Hold longer to qualify for the 0/15/20% qualified-dividend rate.
Replay every historical UMBF ex-dividend with two exit strategies: a GTC limit-order at the pre-ex close, or hold for N days and exit at MOC. Pick the window and quarter filter that matches your plan.
Linked to your history table
These backtests use the same ex-dividend rows as Dividend Capture History on this page — 20 events loaded.
Quarter filter is All — every row in the table above is included here. Change quarter below to match the slice you want to stress-test.
Sell back at the pre-ex close on the first intraday touch within the window. If it never touches, exit at MOC after the window expires (stop-loss).
Figures are gross — before tax, commissions, and slippage. Percents are per-event return on capital at entry (pre-ex close).
Avg P&L per trade (20 events)
-0.85%
Win rate (20 trades)
90%
Cumulative P&L
-16.94%
Buy & hold (same sample)
+56.92%
Best event
+0.62%
Worst event
-23.80%
Cumulative P&L (equity curve)
Vertical axis: cumulative sum of per-event % (same units as the headline cumulative). Hover the line for exact values.
Per-event P&L distribution
20 trades in this sample · bar height ∝ count in each bucket (gross % per event).
Scenario P&L by event · UMBF (20)
Scenario P&L — updates with exit mode, window, and quarter. History adds gap, touch, drawdown, and a fixed P&L 5d % (MOC). Same per-row % as that column only for MOC + 5d on the same rows. Oldest → newest, gross pre-ex close basis.
| Ex-date | P&L |
|---|---|
| +0.42% | |
| +0.35% | |
| +0.38% | |
| +0.40% | |
| +0.41% | |
| +0.47% | |
| -23.80% | |
| +0.57% | |
| +0.62% | |
| +0.51% | |
| +0.47% | |
| +0.48% | |
| +0.38% | |
| +0.32% | |
| -0.71% | |
| +0.38% | |
| +0.33% | |
| +0.38% | |
| +0.38% | |
| +0.33% |
Results are illustrative only and are not financial advice. Capture simulations use historical prices and simplified costs and tax assumptions. Actual fills, borrow fees, and market rules vary. Consult a qualified advisor before trading.
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
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