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UMB Financial Corporation
UMBF
NASDAQ·Financial Services·Banks - Regional·Mkt cap $11.1B
$142.60
▼ -2.10%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$103.38 - $146.60
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 33.1% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Diversified revenue streams across commercial, institutional, and retail banking segments reducing concentration risk
- Specialized healthcare financial services expertise and custodial solutions for HSAs and debit cards
- Established 110+ year operating history with deep regional relationships across 16-state footprint
- Comprehensive treasury management and institutional custody capabilities attracting institutional clients
Bear Case
2 risks
- Low volatility (beta 0.8).
- Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of healthcare payment solutions and HSA custodial services in growing health benefits market
Value
Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Hot
+26.6% over 3m
Quality
Strong
High-growth business (176% revenue growth, 57% gross margin). Profitable with strong growth momentum.
Dividend
Modest
1.16% yield
Smart-money signal
Who's buying UMBF right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Aug 4, 2026
APR 28, 2026
Reported EPS of $3.41 vs $2.82 consensus (+20.9% surprise). Revenue of $739.2M vs $701.8M expected (+5.3%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+20.9%
Next: Aug 4, 2026
Revenue trend · last 8Q
—
—
+18%
+42%
+82%
+199%
+33%
+70%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$348.5M
$363.9M
$394.2M
$510.2M
$1.0B
$1.5B
$1.1B
$867.1M
Margins · last 8Q
Gross
61.6%
Operating
14.6%
Profit
30.1%
Wall Street consensus
8 analysts · 88% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
88%
Hold
13%
Sell
0%
Median Price Target
$153.50
▲ +7.6% vs $142.60
Latest: Morgan Stanley · $159.00 · Jun 29, 2026
6 analysts covering
vs Industry
How UMBF stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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