Price (90d)
$145.60Signal Score (90d)
75Quote
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 |
Social Signal Score
Earnings
Tue, Oct 27(in 2 months)
Consensus estimate $3.22 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.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from UMBF's reported EPS growth of 5.9% a year over 4 years.
- EPS in 5 years
- $12.32
- Implied price
- $160.19
- Return from $152.04
- 1.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $79.64 — -47.6% 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 |
|---|---|---|---|---|---|
| -4.1% | -15.0% | -11.5% | -8.5% | -5.8% | -3.4% |
| 0.9% | -10.5% | -6.9% | -3.7% | -0.9% | 1.6% |
| 5.9% | -6.1% | -2.3% | 1.1% | 4.0% | 6.6% |
| 10.9% | -1.7% | 2.3% | 5.8% | 8.9% | 11.7% |
| 15.9% | 2.8% | 7.0% | 10.6% | 13.8% | 16.7% |
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.
Mentions (1)
- Newsfool.com·7d 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.
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