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.
Future Prospects | Delve into UMB's potential for additional revenue synergies and acquisition opportunities, balanced against geographic concentration risks and economic uncertainties. |
Market Valuation | Analysts maintain optimistic outlooks with price targets ranging from $130 to $155, with Barclays consistently rating UMB as "Overweight" throughout 2025. |
Growth Leade | Explore UMB's distinction as the strongest organic loan growth performer among U.S. Mid-Cap Banks, complemented by improved net interest margins and robust earnings projections. |
Strategic Triumph | UMB Financial demonstrates exceptional performance following the successful integration of Heartland Financial USA, with cost savings realized faster than anticipated. |
Metrics to compare | UMBF | Sector Sector - Average of metrics from a broad group of related Financials sector companies | Relationship RelationshipUMBFPeersSector | |
|---|---|---|---|---|
P/E Ratio | 13.3x | 12.8x | 9.9x | |
PEG Ratio | 4.02 | 0.28 | 0.03 | |
Price / Book | 1.2x | 1.0x | 1.0x | |
Price / LTM Sales | 3.7x | 4.0x | 2.9x | |
Upside (Analyst Target) | 17.7% | 12.4% | 14.5% | |
Fair Value Upside | Unlock | 25.2% | 1.7% | Unlock |