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UMBF Should I Buy

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Intellectia

Should You Buy UMB Financial Corp (UMBF) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion
Buy
Latest Price
111.940
1 Day change
0.19%
52 Week Range
136.110
Analysis Updated At
2026/03/06
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Based on the investor's beginner level, long-term strategy, and available capital, UMB Financial Corp (UMBF) is a good buy. The company has demonstrated strong financial performance, positive analyst sentiment, and hedge fund interest, which align with long-term growth potential. Despite the current technical weakness, the long-term fundamentals and positive catalysts outweigh short-term concerns.

Technical Analysis

The MACD is negative and expanding (-1.309), indicating bearish momentum. RSI is at 24.915, suggesting the stock is oversold. The stock is trading near its key support level (S1: 113.137), which could act as a potential bounce point. However, moving averages are converging, showing no clear trend direction.

Options Data

Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio

The low Put-Call ratios indicate bullish sentiment in the options market, with calls significantly outweighing puts.

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
8
Buy
5

Positive Catalysts

  • Hedge funds have significantly increased their buying activity (up 465.42% last quarter).

  • Analysts have raised price targets across the board, with the highest target at $160, citing strong loan growth, net interest margin expansion, and robust financial performance.

  • The company's Q4 financials showed exceptional growth, with revenue up 70.03% YoY and net income up 74.62% YoY.

Neutral/Negative Catalysts

  • The stock experienced a -3.41% decline in the regular market and a -0.39% pre-market dip, reflecting short-term bearish sentiment.

  • No recent news or congress trading data to provide additional momentum or validation.

  • Technical indicators are weak, with bearish MACD and oversold RSI.

Financial Performance

In Q4 2025, UMB Financial delivered outstanding results: Revenue increased by 70.03% YoY to $688.23 million, Net Income rose by 74.62% YoY to $209.54 million, and EPS grew by 12.30% YoY to $2.74. These figures highlight strong growth trends and operational efficiency.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts are overwhelmingly positive on UMB Financial, with multiple firms raising price targets recently. The highest target is $160, and ratings range from Buy to Strong Buy. Analysts cite strong Q4 results, robust loan growth, and attractive valuation as key reasons for optimism.

Wall Street analysts forecast UMBF stock price to rise
9 Analyst Rating
Wall Street analysts forecast UMBF stock price to rise
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 111.730
sliders
Low
130
Averages
141.86
High
155
Current: 111.730
sliders
Low
130
Averages
141.86
High
155
Morgan Stanley
Overweight
maintain
$154 -> $156
AI Analysis
2026-03-02
Reason
Morgan Stanley
Price Target
$154 -> $156
AI Analysis
2026-03-02
maintain
Overweight
Reason
Morgan Stanley raised the firm's price target on UMB Financial to $156 from $154 and keeps an Overweight rating on the shares. The firm is increasing price targets by a median 8% across the midcap banks group. While noting that recent outperformance means "the bar is higher from here," the firm remains optimistic on the group, citing tailwinds from loan growth, net interest margin and capital return.
Truist
Brian Foran
Buy
maintain
$135 -> $150
2026-01-30
Reason
Truist
Brian Foran
Price Target
$135 -> $150
2026-01-30
maintain
Buy
Reason
Truist analyst Brian Foran raised the firm's price target on UMB Financial to $150 from $135 and keeps a Buy rating on the shares. The firm is updating its model after the company's better than expected Q4 results, noting however that a key debate on the stock is around sustaining the pace of their high-quality organic growth, the analyst tells investors in a research note.
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