UMB Financial Corporation (UMBF)

Currency in USD
145.51
-2.76(-1.86%)
Closed·
145.510.00(0.00%)
·
Trading near 52-week High
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Fair Value
Day's Range
145.38149.98
52 wk Range
103.38149.98
Key Statistics
Prev. Close
145.51
Open
149.13
Day's Range
145.38-149.98
52 wk Range
103.38-149.98
Volume
758.4K
Average Volume (3m)
694.03K
1-Year Change
32.2938%
Book Value / Share
101.83
Fair Value
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Fair Value Upside
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UMBF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
164.38
Upside
+12.97%
Members' Sentiments
Bearish
Bullish
ProTips
3 analysts have revised their earnings downwards for the upcoming period

UMB Financial Corporation News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Sell
Technical Indicators
Strong Sell
Moving Averages
Neutral

Analyst Ratings

11 Buy
2 Hold
0 Sell
Ratings:
13 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 164.38
(+12.97% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
TD Cowen
Buy166.00+14.08%161.00MaintainJul 30, 2026
RBC Capital
Buy170.00+16.83%168.00MaintainJul 30, 2026
Piper Sandler
Buy181.00+24.39%161.00MaintainJul 30, 2026
Keefe, Bruyette & Woods
Buy160.00+9.96%155.00MaintainJul 30, 2026
Citi
Hold162.00+11.33%144.00MaintainJul 30, 2026

UMB Financial Corporation SWOT Analysis


Midwest Expansion
UMB Financial's acquisition of Heartland Financial USA doubles retail banking deposits, promising growth but introducing integration challenges
Financial Resilience
Explore UMB's strong legacy performance, with projected EPS growth and a 55-year streak of dividend payments, showcasing financial stability
Market Positioning
Delve into UMB's competitive edge in the Mid-Cap Banks sector, leveraging diversified revenue streams and institutional business strengths
Future Prospects
Analyst targets range from $127 to $130, reflecting cautious optimism amidst integration hurdles and potential for long-term value creation
Read full SWOT analysis

UMB Financial Corporation Earnings Call Summary for Q2/2026

  • UMB Financial beat Q2 2026 estimates with EPS of $3.57 vs. $3.10 expected; revenue hit $778M vs. $726.5M forecast, lifting shares 2% after-hours.
  • Record loan production of $2.6B drove 12.6% annualized loan growth; non-interest income rose 20% to $245.5M on strong fee businesses and investment gains.
  • Company raised dividend 16.3% to $0.50/share; CET1 ratio improved to 11.45% while operating efficiency ratio reached 48.1%.
  • Management expects Q3 core NIM flat at 3.09%; seasonal deposit low anticipated in Q3 with improvement expected in second half of 2026.
  • Full-year guidance includes high-single to low-double-digit loan growth, mid-teens-plus fee income growth, and 20-22% effective tax rate.
Last Updated: 2026-07-29, 10:20 a/m
Read Full Transcript

Earnings

Latest Release
Jul 28, 2026
EPS / Forecast
3.57 / 3.10
Revenue / Forecast
778.03M / 726.52M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 12.07%
Dividend Yield
1.16%
Industry Median 2.83%
Annualized payout
1.72
Paid quarterly
5-Years Growth
+5.88%
Growth Streak

UMBF Income Statement

Compare UMBF to Peers and Sector

Metrics to compare
UMBF
Peers
Sector
Relationship
P/E Ratio
12.0x11.9x10.0x
PEG Ratio
0.320.230.03
Price/Book
1.4x1.0x1.0x
Price / LTM Sales
3.9x3.9x2.9x
Upside (Analyst Target)
14.1%16.4%13.9%
Fair Value Upside
Unlock−10.3%2.8%Unlock

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Sector
Financial
Employees
5222

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
40.98M53.93%6.08B
Other Institutional Investors
28.13M37.02%4.17B
Public Companies & Retail Investors
6.88M9.05%1.02B
Total
75.98M100.00%11.27B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.12.30%9,344,4671,385,504
Vanguard Portfolio Management, LLC5.44%4,136,220613,277

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FAQ

What Is the UMB Financial (UMBF) Stock Price Today?

The UMB Financial stock price today is 145.51 USD.

What Stock Exchange Does UMB Financial Trade On?

UMB Financial is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for UMB Financial?

The stock symbol for UMB Financial is "UMBF."

Does UMB Financial Pay Dividends? What’s The Current Dividend Yield?

The UMB Financial dividend yield is 1.37%.

What Is the UMB Financial Market Cap?

As of today, UMB Financial market cap is 11.05B USD.

What Is UMB Financial's Earnings Per Share (TTM)?

The UMB Financial EPS (TTM) is 12.07.

When Is the Next UMB Financial Earnings Date?

UMB Financial will release its next earnings report on Oct 27, 2026.

From a Technical Analysis Perspective, Is UMBF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has UMB Financial Stock Split?

UMB Financial has split 22 times.

How Many Employees Does UMB Financial Have?

UMB Financial has 5222 employees.

What is the current trading status of UMB Financial (UMBF)?

As of Jul 31, 2026, UMB Financial (UMBF) is trading at a price of 145.51 USD, with a previous close of 145.51 USD. The stock has fluctuated within a day range of 145.38 USD to 149.98 USD, while its 52-week range spans from 103.38 USD to 149.98 USD.

What Is UMB Financial (UMBF) Price Target According to Analysts?

The average 12-month price target for UMB Financial is 164.38 USD, with a high estimate of 181 USD and a low estimate of 139 USD. 11 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +12.97% Upside potential.
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