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UMB Financial Executive Compensation (FY25)

UMBF · Executive and director compensation, fiscal 2022 to 2025
Chief executive, fiscal 2025
◇
J. Mariner Kemper
Latest say-on-pay support
=
April 28, 2026
Chief executive pay ratio
◇
To the median employee
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Data as of October 18, 2026Latest filing (8-K): April 30, 2026
7 filings cited on this page
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291 figures on this page: 286 cited to the filing that reported them, 5 calculated from figures it prints. See the citations
What changed from fiscal 2024 to fiscal 2025
The figures that moved, and by how much. Analysis of these figures is part of the Velarion platform.
Chief executive total compensation — J. Mariner Kemper: $6,630,354 → $10,350,577 (56.1% higher)
Say-on-pay support: 98.4% → 96.8% (1.6 points lower)

Frequently asked questions

Answers drawn from the data on this page.
Who is UMB Financial's chief executive and what were they paid?
J. Mariner Kemper was paid $10,350,577 in total compensation as Chairman and CEO for fiscal 2025. Compared with the $6,630,354 reported for fiscal 2024, Kemper's total was 56.1% higher.
What was UMB Financial's say-on-pay result?
The say-on-pay proposal drew 96.8% of votes cast for or against in favor at the meeting held April 28, 2026 for fiscal 2025.
Which companies are in UMB Financial's peer group?
The disclosed peer group names BOK Financial Corporation, Columbia Banking System Inc., Comerica Inc., Cullen/Frost Bankers Inc. and First Horizon Corporation, among others.
What is UMB Financial's chief executive pay ratio?
For fiscal 2025, the company reported a chief executive pay ratio of 116:1, against median employee compensation of $89,245.

Executive compensation

Every element reported for each named executive officer, by fiscal year.
Fiscal 2022
OfficerSalaryBonusStock awardsOption awardsNon-equity incentivePension and deferred earningsAll other compensationTotal
J. Mariner Kemper
Chairman and CEO
◇—◇—◇—◇◇
James Rine
Vice Chairman and President; President and CEO of UMB Bank, n.a.
◇—◇—◇—◇◇
Shannon Johnson
Executive Vice President and Chief Administrative Officer
◇—◇—◇—◇◇
Ram Shankar
Executive Vice President and Chief Financial Officer
◇—◇—◇—◇◇
Fiscal 2023
OfficerSalaryBonusStock awardsOption awardsNon-equity incentivePension and deferred earningsAll other compensationTotal
J. Mariner Kemper
Chairman and CEO
◇—◇—◇—◇◇
James Rine
Vice Chairman and President; President and CEO of UMB Bank, n.a.
◇—◇—◇—◇◇
Shannon Johnson
Executive Vice President and Chief Administrative Officer
◇—◇—◇—◇◇
Ram Shankar
Executive Vice President and Chief Financial Officer
◇—◇—◇—◇◇
Thomas Terry
Chief Credit Officer and Executive Vice President, UMB Bank, n.a.
◇—◇—◇—◇◇
Fiscal 2024
OfficerSalaryBonusStock awardsOption awardsNon-equity incentivePension and deferred earningsAll other compensationTotal
J. Mariner Kemper
Chairman and CEO
◇—◇—◇—◇◇
James D. Rine
Vice Chairman and President; President and CEO of UMB Bank, n.a.
◇—◇—◇—◇◇
Ram Shankar
Executive Vice President and Chief Financial Officer
◇—◇—◇—◇◇
Shannon A. Johnson
Executive Vice President and Chief Administrative Officer
◇—◇—◇—◇◇
Thomas S. Terry
Chief Credit Officer and Executive Vice President, UMB Bank, n.a.
◇—◇—◇—◇◇
Fiscal 2025
OfficerSalaryBonusStock awardsOption awardsNon-equity incentivePension and deferred earningsAll other compensationTotal
J. Mariner Kemper
Chairman and CEO
◇—◇—◇—◇◇
James D. Rine
Vice Chairman and President; President and CEO of UMB Bank, n.a.
◇—◇—◇—◇◇
Ram Shankar
Executive Vice President and Chief Financial Officer
◇—◇—◇—◇◇
Shannon A. Johnson
Executive Vice President and Chief Administrative & Risk Officer
◇—◇—◇—◇◇
Uma Wilson
Chief Information and Bank Products and Operations Officer and Executive Vice President
◇—◇—◇—◇◇
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero. A negative change in pension value is shown but, as the company reports it, not included in the total.

Equity awards granted

Individual awards as disclosed: type, date, unit counts at each level, and grant date value.
Fiscal 2025
OfficerAwardGrant dateThreshold unitsTarget unitsUnits grantedMaximum unitsExercise priceGrant date fair value
J. Mariner KemperRSU◇——◇——◇
J. Mariner KemperPSU◇◇◇—◇—◇
J. Mariner KemperPSU◇◇◇—◇—◇
J. Mariner KemperRSU◇——◇——◇
James D. RinePSU◇◇◇—◇—◇
James D. RineRSU◇——◇——◇
Ram ShankarPSU◇◇◇—◇—◇
Ram ShankarRSU◇——◇——◇
Shannon A. JohnsonPSU◇◇◇—◇—◇
Shannon A. JohnsonRSU◇——◇——◇
Uma WilsonPSU◇◇◇—◇—◇
Uma WilsonRSU◇——◇——◇
Fiscal 2024 are included in the PDF.
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero. Threshold, target and maximum apply only to performance awards and are never shown for time-based or option awards.

Outstanding awards

Awards still held at fiscal year end.
As disclosed at fiscal 2025 year end
OfficerAwardUnvested unitsMarket value of unvested unitsExercise priceExpires
J. Mariner KemperPSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
James D. RinePSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
Shannon A. JohnsonPSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
Option◇—◇—
Ram ShankarPSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
Uma WilsonPSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
RSU◇◇——
Option◇—◇—
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero.

Severance and change in control

The terms as written in the agreements.
Ram Shankar
Executive Vice President and Chief Financial Officer · citing a 2026 filing
Equity acceleration on change in control◇

Director compensation

What each non-employee director was paid.
Fiscal 2025
DirectorFees earned in cashStock awardsOption awardsNon-equity incentivePension and deferred earningsAll other compensationTotal
Greg M. Graves
Lead independent director
◇◇————◇
Gordon E. Lansford III
◇◇————◇
Kris A. Robbins
◇◇————◇
Robin C. Beery
◇◇————◇
Timothy R. Murphy
◇◇————◇
Kevin C. Gallagher
◇◇————◇
Leroy J. Williams Jr
◇◇————◇
Janine A. Davidson
◇◇————◇
Tamara M. Peterman
◇◇————◇
L. Joshua Sosland
◇◇————◇
Jennifer K. Hopkins
◇—————◇
Bradley J. Henderson
◇—————◇
Susan G. Murphy
◇—————◇
Margaret Lazo
◇—————◇
John K. Schmidt
◇—————◇
J. Mariner Kemper served on the board in fiscal 2025 and received no compensation for board service. Executive directors are typically paid through their executive roles, shown above.
Earlier years are included in the PDF.
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero.

Director fee schedule

The standing retainers and premiums the board pays, as published.
Board cash retainer◇
Board equity retainer◇
Total board retainer◇
Lead independent director premium◇
Audit committee chair◇
Audit committee member◇
Compensation committee chair◇
Compensation committee member◇
Nominating and governance chair◇
Nominating and governance member◇
Equity is delivered as Stock.

Disclosed peer group

The companies this board named as its compensation comparison group. The list is disclosure; the comparison is analysis.
Fiscal 2025
  • BOK Financial Corporation BOKF
  • Columbia Banking System Inc. COLB
  • Comerica Inc. CMA
  • Cullen/Frost Bankers Inc. CFR
  • First Horizon Corporation FHN
  • Huntington Bancshares Inc. HBAN
  • KeyCorp. KEY
  • Old National Bancorp ONB
  • Regions Financial Corporation RF
  • SouthState Corporation SSB
  • Synovus Financial Corporation SNV
  • Valley National Bancorp VLY
  • Webster Financial Corporation WBS
  • Wintrust Financial Corporation WTFC
  • Zions Bancorp. N.A. ZION

Say-on-pay history

Shareholder support for the compensation program, by year.
YearMeetingSupportVotes forVotes againstAbstentions
2025April 28, 2026=◇◇◇
2024April 29, 2025=◇◇◇
2022April 25, 2023=◇◇◇
2021April 26, 2022=◇◇◇
2020April 27, 2021=◇◇◇

Chief executive pay ratio

As calculated and reported by the company.
Ratio
◇
Median employee compensation
◇
Chief executive total compensation
◇

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Sample answer — “What is the CEO’s total compensation?”
- J. Mariner Kemper (Chairman and CEO), FY2025 total compensation $10,350,577 (base salary $1,172,657) [exec_comp, SEC accession 0001193125-26-103203, filed 2026-03-12]

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What this page does not include

Everything above is a fact UMB Financial disclosed, and it is free. Everything below is our analysis of those facts, and it is not.
Peer benchmarking
Where UMB Financial sits against its disclosed peers — percentile position by role and by pay element, and the ranking behind it. The disclosed peer group is free; comparisons across it are part of the Velarion platform.
Executive Compensation Report — $1,500
Written compensation analysis
A read of the pay program as designed and as paid: incentive structure, goal rigor, the alignment between the committee's stated philosophy and what the numbers show.
Executive Compensation Report — $1,500
Board and governance analysis
Committee composition, independence, director pay positioning, and the governance provisions read together rather than listed.
Board Governance Report — $499
Realizable pay
What the awards above are actually worth today against what they were valued at on grant, and what the gap says about the pay-for-performance link.
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Citations

Every figure on this page is cited to the document that reported it. Select any figure to see its citation.
291 figures on this page: 286 cited to the filing that reported them, 5 calculated from figures it prints.
286 cited to the filing
5 calculated from the filing

Documents cited

  1. 0001193125-26-197753
    Item 5.07 Submission of Matters to a Vote of Security Holders
  2. 0001193125-26-103203
    2025 Director Compensation · 2025 Grants of Plan Based Awards · 2025 Outstanding Equity Awards at Fiscal Year-End · 2025 Summary Compensation Table · and 2 more sections
  3. 0000950170-25-062286
  4. 0001193125-25-054504
    2024 Summary Compensation Table
  5. 0001564590-23-006610
  6. 0001564590-22-016821
  7. 0001564590-21-022511
    Item 5.07 Submission of Matters to a Vote of Security Holders
Cite this data
This page is free to cite. Attribution we ask for:
Velarion, “UMB Financial executive compensation, FY2022–FY2025.” https://intel.velarion.ai/comp/UMBF (accessed 2026).
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The UMB Financial brief, $1,500

Positioning against its disclosed peers, the governance read, incentive design, and the CD&A alignment analysis; the full peer table; a committee-ready PDF.
From $499 for the board report; $2,400 for both.
Get the executive briefGet the board briefNo account needed.
7 filings cited on this page
Method: intel.velarion.ai/methodology
A report that fails to generate is refunded in full
Published by Velarion Company Intelligence
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Banking rankings

Chief executive pay — BankingCEO pay ratio — BankingSay-on-pay support — Banking

Peers UMB Financial discloses

The companies named in UMBF's own disclosed peer group.

BOK Financial CorporationColumbia Banking System Inc.Comerica Inc.Cullen/Frost Bankers Inc.First Horizon CorporationHuntington Bancshares Inc.KeyCorp.Old National BancorpRegions Financial CorporationSouthState CorporationSynovus Financial CorporationValley National BancorpWebster Financial CorporationWintrust Financial CorporationZions Bancorp. N.A.

Terms on this page

Say-on-Pay VoteCEO Pay RatioMedian Employee CompensationAll companies

Free to read and cite. Redistribution or bulk use of the dataset requires a data license. Talk to us about the data license.

Cite this data
APA
Velarion Company Intelligence. (2026). Velarion database: executive and board compensation data (Version 2026Q3) [Data set]. Zenodo. https://doi.org/10.5281/zenodo.22283854
BibTeX
@misc{velarionData2026,
  author = {{Velarion Company Intelligence}},
  title = {Velarion database: executive and board compensation data},
  year = {2026},
  version = {2026Q3},
  doi = {10.5281/zenodo.22283854},
  publisher = {Zenodo},
  url = {https://doi.org/10.5281/zenodo.22283854}
}
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