Price
$145.60+1.32%Social Signal Score
Analyst Ratings
19 analystsRevenue
$1.12B+404.27%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- J. Mariner Kemper
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 5,222
- Beta
- 0.78
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 0.25
Financials
Revenue
$1.12B+404.3%Net Income
$277.57M+561.7%EBITDA
$385.52M+505.8%Free Cash Flow
$353.77M+437.2%EPS (diluted)
$3.56+318.8%Shares Outstanding (diluted)
76.39M+55.0%Operating Expenses
$260.38MCash & Debt
$779.88MReturn of Capital
$72.42MRevenue by Segment (annual)
$73.36MDividend per Share
$0.50Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $4.44B | $702.40M | $9.20 |
| 2024 | $2.64B | $441.24M | $9.05 |
| 2023 | $2.24B | $350.02M | $7.22 |
| 2022 | $1.58B | $431.68M | $8.93 |
| 2021 | $1.24B | $353.02M | $7.31 |
| 2020 | $1.30B | $286.50M | $5.95 |
| 2019 | $1.22B | $243.60M | $4.99 |
| 2018 | $1.07B | $195.51M | $3.96 |
| 2017 | $978.67M | $247.10M | $5.02 |
| 2016 | $868.78M | $158.80M | $3.25 |
| 2015 | $744.90M | $116.07M | $2.46 |
| 2014 | $786.92M | $120.66M | $2.69 |
| 2013 | $807.60M | $133.97M | $3.25 |
| 2012 | $728.46M | $122.72M | $3.07 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from UMBF's reported EPS growth of 8.8% a year over 13 years.
- EPS in 5 years
- $14.10
- Implied price
- $183.36
- Return from $130.94
- 7.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $91.16 — -30.4% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 9 | 11 | 13 | 15 | 17 |
|---|---|---|---|---|---|
| -1.2% | -9.8% | -6.1% | -2.9% | -0.0% | 2.5% |
| 3.8% | -5.2% | -1.3% | 2.1% | 5.0% | 7.7% |
| 8.8% | -0.6% | 3.5% | 7.0% | 10.1% | 12.9% |
| 13.8% | 3.9% | 8.2% | 11.9% | 15.1% | 18.0% |
| 18.8% | 8.5% | 13.0% | 16.8% | 20.2% | 23.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
73+193.33%Social Signal Score
Mentions (16)
- Newszacks.com·7d ago·Positive
UMBF Stock Gains 14.7% in a Year: Is It Worth Buying Now? UMB Financial stock rises 14.7% in a year as balance sheet growth and resilient NII support earnings, while costs and commercial risks weigh.
View source ↗ - Newszacks.com·13d ago·Neutral
UMB (UMBF) Loses 7.3% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner UMB (UMBF) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the stock.
View source ↗ - Newszacks.com·18d ago·Neutral
UMB (UMBF) Loses 8.2% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner UMB (UMBF) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term.
View source ↗ - Newszacks.com·25d ago·Positive
Here's Why UMB Financial (UMBF) is a Strong Value Stock The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
View source ↗ - Newsseekingalpha.com·31d ago·Neutral
UMB Financial Corporation's Growth And Quality Justify Optimism UMB Financial Corporation earns a soft ‘buy' rating for robust growth, high asset quality, and reasonable valuation. UMBF's institutional custody business surged 19% YoY to $250B AUC, supporting diversified revenue and Texas expansion. Despite 48.4% of deposits remaining uninsured, management is actively reducing exposure and improving deposit quality.
View source ↗ - News (RSS)seekingalpha·32d ago·Positive
UMB Financial: Strong Capital And Rate Tailwinds Enable Further Upside
View source ↗ - Newsseekingalpha.com·32d ago·Positive
UMB Financial: Strong Capital And Rate Tailwinds Enable Further Upside UMB Financial remains a buy with over 10% upside, supported by strong capital, loan growth, and fixed income reinvestment tailwinds. Recent Heartland integration has enhanced scale and branch density, positioning UMBF for continued organic growth below the $100B regulatory threshold. Q2 earnings of $3.57 beat estimates, with robust credit quality—net charge-offs at 16 bps and reserves covering over 3x nonperforming loans.
View source ↗ - News (RSS)seekingalpha·32d ago·Positive
UMB Financial: Attractive Entry After Strong Q2 Growth, Efficiency Gains, And Heartland Integration
View source ↗ - Newsseekingalpha.com·33d ago·Neutral
… UMB Financial Corporation delivered 12.8% revenue growth in Q2 2026, beating expectations with strong loan portfolio expansion and commission-based revenue streams. UMBF trades at a discounted 11.5x GAAP P/E and 1.35x P/B, offering an attractive risk-reward profile versus sector peers despite robust profitability and low loan write-offs. Revenue diversification—68% net interest, 32% non-interest—provides resilience against rate volatility, while operational efficiency improved to a 44.8% ratio.
View source ↗ - News (RSS)fool·35d ago·Negative
Shankar Ram Liquidates 2,000 UMB Financial Shares Despite the 6% reduction in direct holdings, the insider maintains 30,389 shares directly.
View source ↗ - Newszacks.com·39d ago·Neutral
UMB (UMBF) Down 3.3% Since Last Earnings Report: Can It Rebound? UMB (UMBF) reported earnings 30 days ago. What's next for the stock?
View source ↗ - Newszacks.com·40d ago·Negative
Is the Options Market Predicting a Spike in UMB Financial Stock? Investors need to pay close attention to (Ticker) stock based on the movements in the options market lately.
View source ↗ - Newsbenzinga.com·45d ago·Neutral
JPMorgan Sees 25% Upside Potential in This American Financial Services Company JP Morgan analyst Anthony Elian initiated coverage on UMB Financial Corporation (NASDAQ:UMBF) with a Overweight rating and announced price forecast of $180.
View source ↗ - Newszacks.com·45d ago·Positive
Why UMB Financial (UMBF) is a Top Value Stock for the Long-Term The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
View source ↗ - Newszacks.com·46d ago·Positive
UMB Financial's Liquidity Cushion: Can It Sustain Shareholder Returns? Can UMBF's strong liquidity, dividend growth and buyback capacity pave the way for sustained shareholder returns? Let us discuss.
View source ↗ - Newsfool.com·59d ago·Negative
Insider Dumps More Than 4,000 Shares of Regional Bank Ahead of Stock Split The transaction involved the sale of 4,145 shares on August 4, 2026, for total proceeds of $613,460. The disposition represented a 17% reduction in the insider's total direct and indirect equity holdings.
View source ↗
Earnings
Tue, Oct 27(in 3 weeks)
Consensus estimate $3.21 per share
Typical surprise +14.4% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Jul 28$3.57 vs $3.12beat
- Tue, Apr 28$3.41 vs $2.82beat
- Tue, Jan 27$3.08 vs $2.71beat
- Tue, Oct 28$2.70 vs $2.50beat
- Tue, Jul 29$2.96 vs $2.37beat
- Tue, Apr 29$2.58 vs $2.19beat
Estimates and results for UMBF via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by UMBF officers and directors.
- Bought
- $183k
- Sold
- $9.2m
4 trades
20 trades
- Peterman Tamarabought
- Graves Greg Mbought
- Terry Thomas Ssold
- Shankar Ramsold
- Murphy Susan Gsold
- Murphy Susan Gsold
- Odgers David Carlsold
- Kemper J Marinersold
76 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Josh S. Gottheimerhouse · NJ05 · disclosed May 14, 2025 (35d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jun 8, 2024 (17d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jan 7, 2024 (18d later)Buy$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.