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UMBF Overview

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$
0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
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0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
112.035
Open
109.000
VWAP
110.86
Vol
798.60K
Mkt Cap
8.51B
Low
108.600
Amount
88.53M
EV/EBITDA(TTM)
4.17
Total Shares
76.14M
EV
4.83B
EV/OCF(TTM)
1.15
P/S(TTM)
3.26
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.
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Events Timeline

(ET)
2026-01-27
16:10:00
UMB Financial Reports Q4 Revenue of $720.9M, Exceeding Consensus
select

News

Yahoo Finance
4.5
02-28Yahoo Finance
Inflation Data Exceeds Expectations, Triggering Market Volatility
  • Inflation Impact: January's Producer Price Index (PPI) rose 0.5% month-over-month, surpassing the expected 0.3%, with the core component increasing by 0.8%, indicating limited room for the Federal Reserve to cut interest rates and heightening concerns over potential economic slowdown.
  • Rising Credit Risk: A Bank of America strategist highlighted increasing concerns over problem loans that could pressure lenders, prompting investors to reassess credit risk, particularly in private credit and leveraged loan markets, negatively impacting valuations of banks sensitive to economic cycles.
  • Regional Bank Declines: The market's reaction led to significant declines in regional banks, with UMB Financial (NASDAQ:UMBF) down 7%, Texas Capital Bank (NASDAQ:TCBI) down 6.8%, Simmons First National (NASDAQ:SFNC) down 6.6%, Pinnacle Financial Partners (NASDAQ:PNFP) down 7.5%, and Old National Bank (NASDAQ:ONB) down 6.7%, reflecting waning investor confidence in the sector.
  • Overreaction Opportunity: While the market's response to the news has been severe, the substantial price drops may present good buying opportunities for high-quality stocks, especially amid increasing economic uncertainty, necessitating careful evaluation of potential investment prospects.
seekingalpha
9.5
01-29seekingalpha
UMB Financial Corporation Reports Strong Q4 2025 Earnings and Growth
  • Acquisition Success: UMB Financial's acquisition of Heartland Financial led to a 13% annualized growth in loans and a 5.6% increase in deposits, demonstrating the company's strong performance in market share and customer acquisition, further solidifying its competitive position in the financial services sector.
  • Profitability Improvement: The fourth quarter net income reached $209.5 million, with earnings per share of $2.74, reflecting a 16.1% increase from Q3, indicating significant enhancements in asset quality and profitability metrics, which are expected to lay a solid foundation for future business expansion.
  • Operational Efficiency Optimization: The efficiency ratio improved from 58.1% to 55.5%, showcasing effective strategies in cost control and resource allocation by management, which is anticipated to drive positive operating leverage in 2026.
  • Positive Outlook: Despite an expected $38 million decrease in contractual purchase accounting benefits in 2026, management remains optimistic about future loan activity and market opportunities, emphasizing a continued focus on organic growth and asset quality enhancement.
seekingalpha
9.5
01-27seekingalpha
UMB Financial Reports Strong Q4 Earnings Beat
  • Strong Earnings Performance: UMB Financial's Q4 GAAP EPS of $3.08 exceeds expectations by $0.61, demonstrating a significant enhancement in profitability that boosts investor confidence.
  • Significant Revenue Growth: The company reported Q4 revenue of $720.91 million, a 66.0% year-over-year increase, surpassing market expectations by $43.14 million, indicating robust business expansion and strong market demand.
  • Improved Net Interest Margin: The net interest margin on a fully taxable equivalent basis rose to 3.29%, up 72 basis points from Q4 2024, reflecting the company's strengthened competitiveness in the current interest rate environment.
  • Enhanced Efficiency Ratio: The GAAP efficiency ratio improved to 55.5%, a notable decrease from 61.8% in Q4 2024, showcasing the company's success in cost control and operational efficiency.
seekingalpha
8.0
01-27seekingalpha
UMB Financial Declares $0.43 Quarterly Dividend
  • Dividend Declaration: UMB Financial has declared a quarterly dividend of $0.43 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability, which is likely to attract income-seeking investors.
  • Yield Information: The forward yield of 1.38% reflects the company's appeal in the current market environment, potentially increasing investor interest in its stock.
  • Payment Schedule: The dividend is payable on April 1, with a record date of March 10 and an ex-dividend date also on March 10, providing investors with a clear timeline to inform their investment decisions.
  • Long-Term Outlook: UMB Financial is positioned as a long-term winner, and as market expectations for its future earnings rise, the company's dividend policy may further enhance its market position and investor confidence.
seekingalpha
9.5
01-26seekingalpha
UMB Financial Set to Announce Q4 Earnings on January 27
  • Earnings Announcement Preview: UMB Financial is set to release its Q4 earnings on January 27, with consensus EPS estimates at $2.70, reflecting an 8.4% year-over-year increase, and revenue expected at $677.77 million, up 56.1%, indicating strong growth potential for the company.
  • Historical Performance: Over the past two years, UMB Financial has exceeded EPS and revenue estimates 88% of the time, demonstrating its stability in managing market expectations and delivering results, which boosts investor confidence.
  • Estimate Revision Dynamics: In the last three months, EPS estimates have seen 9 upward revisions and 3 downward adjustments, while revenue estimates have experienced 6 upward and 3 downward revisions, reflecting analysts' optimistic outlook on the company's future performance.
  • Cost Synergies: UMB Financial has $30 million in remaining cost synergies to realize as it integrates Heartland, which is expected to further stabilize net interest margins and enhance the company's profitability and competitive position in the market.
NASDAQ.COM
2.0
01-26NASDAQ.COM
UMB Financial (UMBF) Q2 2025 Earnings Transcript
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: 0.000
sliders
Low
130.00
Averages
141.86
High
155.00
Current: 0.000
sliders
Low
130.00
Averages
141.86
High
155.00
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.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for UMBF
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Valuation Metrics

The current forward P/E ratio for UMB Financial Corp (UMBF.O) is 10.37, compared to its 5-year average forward P/E of 11.27. For a more detailed relative valuation and DCF analysis to assess UMB Financial Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
11.27
Current PE
10.37
Overvalued PE
13.11
Undervalued PE
9.42

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.87
Current PS
3.20
Overvalued PS
3.39
Undervalued PS
2.36

Financials

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Whales Holding UMBF

S
Systematic Financial Management LP
Holding
UMBF
+7.72%
3M Return
P
PTE Allianz Polska SA
Holding
UMBF
+6.30%
3M Return
N
NFJ Investment Group, LLC
Holding
UMBF
+3.64%
3M Return
A
Arthur J. Gallagher & Co.
Holding
UMBF
-0.39%
3M Return
G
Global Alpha Capital Management Ltd.
Holding
UMBF
-1.88%
3M Return

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Frequently Asked Questions

What is UMB Financial Corp (UMBF) stock price today?

The current price of UMBF is 111.94 USD — it has increased 0.19

What is UMB Financial Corp (UMBF)'s business?

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.

What is the price predicton of UMBF Stock?

Wall Street analysts forecast UMBF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UMBF is141.86 USD with a low forecast of 130.00 USD and a high forecast of 155.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is UMB Financial Corp (UMBF)'s revenue for the last quarter?

UMB Financial Corp revenue for the last quarter amounts to 688.23M USD, increased 70.03

What is UMB Financial Corp (UMBF)'s earnings per share (EPS) for the last quarter?

UMB Financial Corp. EPS for the last quarter amounts to 2.74 USD, increased 12.30

How many employees does UMB Financial Corp (UMBF). have?

UMB Financial Corp (UMBF) has 5222 emplpoyees as of March 12 2026.

What is UMB Financial Corp (UMBF) market cap?

Today UMBF has the market capitalization of 8.51B USD.