{
  "symbol": "UMBFO",
  "company": "UMB Financial Corporation (Depositary Shares)",
  "generated_at": "2026-06-24T07:36:53.652Z",
  "event_count": 1,
  "events": [
    {
      "type": "scout_dossier",
      "ts": "2026-06-10T21:08:54.280Z",
      "summary": "UMB Financial Corp trades as UMBF common / UMBFO preferred depositary shares. The Form 4 cluster that triggered this investigation consists entirely of routine compensation-related transactions: James Rine's open-market sales of ~8,246 common shares at $132-133 and Uma Wilson's option exercise-and-sale are NOT bullish insider signals — they reflect vest-and-sell behavior by executives. Director purchases in May (116 shares each at $129.24) were tiny stock awards, not discretionary conviction buys. No options market exists for UMBFO, making any structured income or long thesis impractical. The bank is fundamentally sound with strong Q1 2026 results (NII +17% YoY), but faces a compressed NIM environment and the recent Heartland acquisition integration adds execution risk. At $26.36 per depositary share ($10,544 implied preferred par), the 7.3% yield reflects appropriate bank-preferred risk pricing. No asymmetric setup exists.",
      "verdict": "no_anomaly",
      "confidence": 4,
      "tool_calls": 20,
      "walltime_min": 25,
      "debug_path": "dossiers/2026-06-10-UMBFO.scout.debug.json"
    }
  ],
  "lessons": [],
  "chart_signal": {
    "ticker": "UMBFO",
    "call": "HOLD",
    "confidence": 2,
    "score": -1,
    "factors": {
      "below_200dma": "-2",
      "below_50dma": "-1",
      "momentum_flat": "0 (3.5%)",
      "rsi_neutral": "0 (47.4)",
      "macd_above_signal": "+1",
      "recent_macd_bullish_cross": "+1 (4d ago)",
      "from_high": "0 (-5.3%)"
    },
    "summary": "HOLD (score -1) · 12-1 mom 3.5% · RSI 47.4 · below_both · -5.3% from high",
    "last_close": 26.55,
    "one_month_ago_close": 26.7,
    "twelve_month_ago_close": 25.8,
    "twelve_one_momentum_pct": 3.5,
    "rsi_14": 47.4,
    "ma_stack": "below_both",
    "from_period_high_pct": -5.33,
    "period_high": 28.04,
    "price_targets": {
      "bear": 19.63,
      "fair": 26.56,
      "bull": 32.25,
      "bear_return_pct": -26.1,
      "fair_return_pct": 0,
      "bull_return_pct": 21.5,
      "method": "street_targets ⨯ chart_floors",
      "street": {
        "target_low": null,
        "target_mean": null,
        "target_high": null,
        "analyst_count": null
      }
    },
    "generated_at": "2026-06-24T07:36:53.649Z"
  }
}