UMB Financial Corporation (UMBF)

Currency in USD
119.85
-0.78(-0.65%)
Closed·
119.870.00(0.00%)
·
Earnings results expected in 12 days
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Fair Value
Day's Range
119.33121.10
52 wk Range
89.34136.11
Key Statistics
Prev. Close
120.63
Open
120.99
Day's Range
119.33-121.1
52 wk Range
89.34-136.11
Volume
421.82K
Average Vol. (3m)
578.97K
1-Year Change
31.631%
Book Value / Share
97.42
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
142.83
Upside
+19.18%
Members' Sentiments
Bearish
Bullish
ProTips
4 analysts have revised their earnings upwards for the upcoming period

UMB Financial Corporation News & Analysis

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Technical Analysis

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

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.

Employees
5222

UMB Financial Corporation SWOT Analysis


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.
Read full SWOT analysis

UMB Financial Corporation Earnings Call Summary for Q4/2025

  • UMB Financial reported Q4 2025 EPS of $3.08, exceeding forecasts by 14.07%, with revenue of $720.9 million, 6.36% above expectations, driving stock up 1.76% to $124.66.
  • Net income reached $209.5 million, up 16.1% from Q3, with net interest income rising 10% to $522.5 million due to strong loan growth and improved asset returns.
  • The company successfully completed its acquisition of Heartland Financial and maintains a focus on smaller 'tuck-in' acquisitions for future growth.
  • For 2026, UMB projects Q1 expenses between $385-390 million, a full-year effective tax rate of 20-22%, and purchase accounting accretion of $126 million.
  • CEO Mariner Kemper highlighted the company's position 'at the intersection of industry-leading growth and industry-leading quality' while remaining neutral on interest rate positioning.
Last Updated: 02/03/2026, 05:01 AM
Read Full Transcript

Compare UMBF to Peers and Sector

Metrics to compare
UMBF
Peers
Sector
Relationship
P/E Ratio
13.3x12.8x9.9x
PEG Ratio
4.020.280.03
Price / Book
1.2x1.0x1.0x
Price / LTM Sales
3.7x4.0x2.9x
Upside (Analyst Target)
17.7%12.4%14.5%
Fair Value Upside
Unlock25.2%1.7%Unlock

Analyst Ratings

10 Buy
2 Hold
0 Sell
Ratings:
12 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 142.83
(+19.18% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Autonomous Research
Buy135.00+12.64%-New CoverageApr 08, 2026
BofA Securities
Buy148.00+23.49%150.00MaintainApr 07, 2026
Morgan Stanley
Buy143.00+19.32%156.00MaintainMar 31, 2026
Truist Securities
Buy130.00+8.47%150.00MaintainMar 23, 2026
Morgan Stanley
Buy156.00+30.16%154.00MaintainMar 02, 2026

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 9.29%
Dividend Yield
1.43%
Industry Median 3.15%
Annualized Payout
1.72
Paid quarterly
5-Years Growth
+5.45%
Growth Streak

Earnings

Latest Release
Jan 27, 2026
EPS / Forecast
3.08 / 2.70
Revenue / Forecast
720.9M / 677.77M
EPS Revisions
Last 90 days

UMBF Income Statement

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FAQ

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

The UMB Financial stock price today is 119.85 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 1.43%.

What Is the UMB Financial Market Cap?

As of today, UMB Financial market cap is 9.11B USD.

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

The UMB Financial EPS (TTM) is 9.29.

When Is the Next UMB Financial Earnings Date?

UMB Financial will release its next earnings report on Apr 28, 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 Apr 16, 2026, UMB Financial (UMBF) is trading at a price of 119.85 USD, with a previous close of 120.63 USD. The stock has fluctuated within a day range of 119.33 USD to 121.10 USD, while its 52-week range spans from 89.34 USD to 136.11 USD.

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

The average 12-month price target for UMB Financial is 142.83 USD, with a high estimate of 160 USD and a low estimate of 130 USD. 10 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +19.18% Upside potential.
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