UMB Financial (UMBF) Q3 2024 Earnings Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 5 days ago
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Should l Buy UMBF?
Source: NASDAQ.COM
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Analyst Views on UMBF
Wall Street analysts forecast UMBF stock price to rise
9 Analyst Rating
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 123.590
Low
130.00
Averages
141.86
High
155.00
Current: 123.590
Low
130.00
Averages
141.86
High
155.00
About UMBF
UMB Financial Corporation is a financial services company. Its segments include Commercial Banking, Institutional Banking, and Personal Banking. It offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. Commercial Banking serves the commercial banking and treasury management needs of its small to middle-market businesses through a variety of products and services. Institutional Banking is a combination of banking services, fund services, asset management services, and healthcare services provided to institutional clients. Personal Banking products include deposit accounts, retail credit cards, private banking, installment loans, home equity lines of credit, and residential mortgages.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
UMB Financial (UMBF) Q3 2024 Earnings Transcript
See More
UMB Financial Corporation to Release Q1 2026 Earnings Results and Host Conference Call
- Earnings Release Schedule: UMB Financial Corporation is set to release its Q1 2026 earnings results after market hours on April 28, 2026, reflecting the company's commitment to transparency and investor communication.
- Investor Conference Call: The company will host a conference call on April 29, 2026, at 8:30 a.m. (CT) to discuss the earnings results, which is expected to attract significant attention from investors and analysts alike.
- Dial-in Information: Interested parties can join the call by dialing 888-596-4144 (toll-free) or 646-968-2525 (international), demonstrating the company's openness to global investors.
- Replay Availability: The conference call replay will be available until May 13, allowing participants to access key information even if they cannot attend live, thus enhancing investor engagement and information dissemination.
See More
Wall Street's Bullish Outlook on Stocks
- Coursera's Worrisome Outlook: While Wall Street's consensus price target for Coursera (NYSE:COUR) is $10.11, suggesting a 72.8% upside, the estimated sales growth of only 7.2% over the next 12 months indicates a slowdown in demand, compounded by high servicing costs that result in a gross margin of 54.1% needing offset through higher volumes.
- National Bank Holdings Faces Challenges: National Bank Holdings (NYSE:NBHC) has a consensus price target of $46.60, implying a 17.7% upside; however, its products and services are encountering significant end-market challenges, with sales declining by 1.3% annually over the past two years, and flat earnings per share indicating weakened profitability.
- UMB Financial's Growth Potential: UMB Financial (NASDAQ:UMBF) has a consensus price target of $143.23, suggesting a 25.7% upside, with annual net interest income growth of 24.7% over the past five years reflecting market share gains, and a net interest margin increase of 55.4 basis points over the last two years providing more resources for growth initiatives.
- Market Disparity Intensifies: The current market is rapidly separating quality stocks from overvalued ones, with AI technologies swiftly impacting various sectors, prompting investors to focus on newly emerging high-quality stocks each week to seize potential investment opportunities.
See More
UMB Financial Corp Director Buys Shares
- Director's Stock Purchase: UMB Financial Corp's Director Greg M. Graves invested $28,125 in 220 shares at $127.83 each on February 2, indicating confidence in the company's future prospects.
- Market Reaction Analysis: Following Graves' purchase, investors can acquire UMB Financial shares at $110.84, which is 13.3% cheaper than his cost, potentially attracting more buyers into the market.
- Dividend Yield Situation: Since the purchase, Graves has received $0.43 per share in dividends, although his total return is down 13.0%, indicating ongoing uncertainty about the stock's short-term performance.
- Price Volatility Range: UMB Financial shares have a 52-week low of $82 and a high of $136.11, with the current trading price at $111.04, reflecting stability within the price range and potential investment opportunities.
See More
Elizabeth Park Capital Advisors Sells UMB Financial Shares Worth $2.63 Million
- Sale Overview: On February 17, 2026, Elizabeth Park Capital Advisors disclosed the sale of 23,200 shares of UMB Financial, valued at approximately $2.63 million based on the average price from the fourth quarter of 2025, indicating a strategic reduction in their stake.
- Stake Reduction: Following this transaction, UMB Financial's stake in the fund's 13F reportable assets decreased to 0.69%, reflecting a portfolio adjustment and a potential reallocation towards other investments.
- Financial Performance Insight: UMB Financial reported fourth-quarter revenues of about $720.9 million, a 66% increase year-over-year, with net income reaching approximately $209.5 million, up 75%, showcasing strong growth momentum post-acquisition of Heartland Financial.
- Market Performance Comparison: Despite a 14% rise in UMB Financial's stock price over the past year, it underperformed the S&P 500's roughly 20% gain, which may lead some investors to trim their positions after the bank's robust earnings expansion to optimize their portfolios.
See More
Elizabeth Park Capital Advisors Sells UMB Financial Shares
- Share Sale Details: Elizabeth Park Capital Advisors sold 23,200 shares of UMB Financial in Q4 2025, with an estimated transaction value of $2.63 million, indicating a strategic adjustment amid market fluctuations.
- Position Value Decline: The quarter-end position value fell by $2.77 million, reflecting the dual impact of trading and price changes, suggesting pressure on the investment portfolio from market conditions.
- Financial Performance Highlights: UMB Financial reported approximately $720.9 million in revenue for Q4, a 66% year-over-year increase, with net income reaching about $209.5 million, up 75%, showcasing successful business expansion following the Heartland Financial acquisition.
- Investor Sentiment Analysis: Despite a 14% rise in UMB Financial's stock over the past year, which lags behind the broader market, some investors are trimming their positions, reflecting a cautious outlook on the stock's future performance.
See More
UMB Financial (UMBF) Q3 2024 Earnings Transcript
See More
UMB Financial Corporation to Release Q1 2026 Earnings Results and Host Conference Call
- Earnings Release Schedule: UMB Financial Corporation is set to release its Q1 2026 earnings results after market hours on April 28, 2026, reflecting the company's commitment to transparency and investor communication.
- Investor Conference Call: The company will host a conference call on April 29, 2026, at 8:30 a.m. (CT) to discuss the earnings results, which is expected to attract significant attention from investors and analysts alike.
- Dial-in Information: Interested parties can join the call by dialing 888-596-4144 (toll-free) or 646-968-2525 (international), demonstrating the company's openness to global investors.
- Replay Availability: The conference call replay will be available until May 13, allowing participants to access key information even if they cannot attend live, thus enhancing investor engagement and information dissemination.
See More
Wall Street's Bullish Outlook on Stocks
- Coursera's Worrisome Outlook: While Wall Street's consensus price target for Coursera (NYSE:COUR) is $10.11, suggesting a 72.8% upside, the estimated sales growth of only 7.2% over the next 12 months indicates a slowdown in demand, compounded by high servicing costs that result in a gross margin of 54.1% needing offset through higher volumes.
- National Bank Holdings Faces Challenges: National Bank Holdings (NYSE:NBHC) has a consensus price target of $46.60, implying a 17.7% upside; however, its products and services are encountering significant end-market challenges, with sales declining by 1.3% annually over the past two years, and flat earnings per share indicating weakened profitability.
- UMB Financial's Growth Potential: UMB Financial (NASDAQ:UMBF) has a consensus price target of $143.23, suggesting a 25.7% upside, with annual net interest income growth of 24.7% over the past five years reflecting market share gains, and a net interest margin increase of 55.4 basis points over the last two years providing more resources for growth initiatives.
- Market Disparity Intensifies: The current market is rapidly separating quality stocks from overvalued ones, with AI technologies swiftly impacting various sectors, prompting investors to focus on newly emerging high-quality stocks each week to seize potential investment opportunities.
See More
UMB Financial Corp Director Buys Shares
- Director's Stock Purchase: UMB Financial Corp's Director Greg M. Graves invested $28,125 in 220 shares at $127.83 each on February 2, indicating confidence in the company's future prospects.
- Market Reaction Analysis: Following Graves' purchase, investors can acquire UMB Financial shares at $110.84, which is 13.3% cheaper than his cost, potentially attracting more buyers into the market.
- Dividend Yield Situation: Since the purchase, Graves has received $0.43 per share in dividends, although his total return is down 13.0%, indicating ongoing uncertainty about the stock's short-term performance.
- Price Volatility Range: UMB Financial shares have a 52-week low of $82 and a high of $136.11, with the current trading price at $111.04, reflecting stability within the price range and potential investment opportunities.
See More
Elizabeth Park Capital Advisors Sells UMB Financial Shares Worth $2.63 Million
- Sale Overview: On February 17, 2026, Elizabeth Park Capital Advisors disclosed the sale of 23,200 shares of UMB Financial, valued at approximately $2.63 million based on the average price from the fourth quarter of 2025, indicating a strategic reduction in their stake.
- Stake Reduction: Following this transaction, UMB Financial's stake in the fund's 13F reportable assets decreased to 0.69%, reflecting a portfolio adjustment and a potential reallocation towards other investments.
- Financial Performance Insight: UMB Financial reported fourth-quarter revenues of about $720.9 million, a 66% increase year-over-year, with net income reaching approximately $209.5 million, up 75%, showcasing strong growth momentum post-acquisition of Heartland Financial.
- Market Performance Comparison: Despite a 14% rise in UMB Financial's stock price over the past year, it underperformed the S&P 500's roughly 20% gain, which may lead some investors to trim their positions after the bank's robust earnings expansion to optimize their portfolios.
See More
Elizabeth Park Capital Advisors Sells UMB Financial Shares
- Share Sale Details: Elizabeth Park Capital Advisors sold 23,200 shares of UMB Financial in Q4 2025, with an estimated transaction value of $2.63 million, indicating a strategic adjustment amid market fluctuations.
- Position Value Decline: The quarter-end position value fell by $2.77 million, reflecting the dual impact of trading and price changes, suggesting pressure on the investment portfolio from market conditions.
- Financial Performance Highlights: UMB Financial reported approximately $720.9 million in revenue for Q4, a 66% year-over-year increase, with net income reaching about $209.5 million, up 75%, showcasing successful business expansion following the Heartland Financial acquisition.
- Investor Sentiment Analysis: Despite a 14% rise in UMB Financial's stock over the past year, which lags behind the broader market, some investors are trimming their positions, reflecting a cautious outlook on the stock's future performance.
See More
