Financhill
Sell
49

UMBF Quote, Financials, Valuation and Earnings

Last price:
$126.11
Seasonality move :
3.22%
Day range:
$125.34 - $130.00
52-week range:
$82.00 - $136.11
Dividend yield:
1.28%
P/E ratio:
13.99x
P/S ratio:
2.28x
P/B ratio:
1.31x
Volume:
554.5K
Avg. volume:
549.4K
1-year change:
12.23%
Market cap:
$9.7B
Revenue:
$4.1B
EPS (TTM):
$9.14

Analysts' Opinion

  • Consensus Rating
    UMB Financial Corp. has received a consensus rating of Buy. The company's average rating is a Buy based on 6 Buy ratings, 2 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $145.62, UMB Financial Corp. has an estimated upside of 13.89% from its current price of $127.86.
  • Price Target Downside
    According to analysts, the lowest downside price target is $130.00 representing 100% downside risk from its current price of $127.86.

Fair Value

  • According to the consensus of 8 analysts, UMB Financial Corp. has 13.89% upside to fair value with a price target of $145.62 per share.

UMBF vs. S&P 500

  • Over the past 5 trading days, UMB Financial Corp. has underperformed the S&P 500 by -4.4% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • UMB Financial Corp. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • UMB Financial Corp. has grown year-over-year revenues for 16 quarters straight. In the most recent quarter UMB Financial Corp. reported revenues of $1.1B.

Earnings Growth

  • UMB Financial Corp. has grown year-over-year earnings for 3 quarters straight. In the most recent quarter UMB Financial Corp. reported earnings per share of $2.74.
Enterprise value:
13.8B
EV / Invested capital:
1.20x
Price / LTM sales:
2.28x
EV / EBIT:
5.83x
EV / Revenue:
3.35x
PEG ratio (5yr expected):
8.94x
EV / Free cash flow:
17.80x
Price / Operating cash flow:
10.76x
Enterprise value / EBITDA:
67.93x
Gross Profit (TTM):
--
Return On Assets:
1.04%
Net Income Margin (TTM):
17.03%
Return On Equity:
10.76%
Return On Invested Capital:
7.08%
Operating Margin:
24.91%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $2.4B $2.8B $4.1B $720.2M $1.1B
Gross Profit -- -- -- -- --
Operating Income $421.9M $531.6M $875M $144.8M $270.3M
EBITDA -- -- -- -- --
Diluted EPS $7.18 $9.00 $9.14 $2.44 $2.74
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $10.7B $2.9B $6.2B $9.5B $9.8B
Total Assets $42.8B $38.6B $44.1B $50.5B $73.1B
Current Liabilities $19.6B $16.3B $39.5B $16.2B $20.9B
Total Liabilities $39.6B $35.9B $41B $47B $65.4B
Total Equity $3.1B $2.7B $3.1B $3.5B $7.7B
Total Debt $327.7M $432.5M $430.2M $433.3M $474.2M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $478M $370.2M $823.4M $168.5M $325M
Cash From Investing -$1.5B -$2.2B -$5.2B -$633.2M -$2.2B
Cash From Financing $2.9B $5.2B $5.9B $2.7B -$283.7M
Free Cash Flow $437.5M $349.4M $775.4M $162.6M $310.6M
UMBF
Sector
Market Cap
$9.7B
$541.1M
Price % of 52-Week High
93.94%
91.36%
Dividend Yield
1.28%
1.45%
Shareholder Yield
-3.91%
3.02%
1-Year Price Total Return
12.23%
8.2%
Beta (5-Year)
0.787
0.446
Dividend yield:
1.28%
Annualized payout:
$1.63
Payout ratio:
15.69%
Growth streak:
23 years

Technicals

8-day SMA
Sell
Level $130.88
200-day SMA
Buy
Level $113.90
Bollinger Bands (100)
Buy
Level 110.04 - 124.74
Chaikin Money Flow
Buy
Level 45.2K
20-day SMA
Sell
Level $128.35
Relative Strength Index (RSI14)
Buy
Level 53.19
ADX Line
Sell
Level 7.14
Williams %R
Neutral
Level -74.6944
50-day SMA
Buy
Level $122.70
MACD (12, 26)
Buy
Level 10.20
25-day Aroon Oscillator
Buy
Level 64
On Balance Volume
Neutral
Level 554.5K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.1359)
Sell
CA Score (Annual)
Level (-2.1479)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (5)
Sell
Ohlson Score
Level (1.4198)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (6)

Revenue Forecast

Earnings per Share Forecast

Company Profile

UMB Financial Corp. engages in the provision of bank and asset services. It operates through the following segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment serves the commercial lending and leasing, capital markets, and treasury management needs of the company’s mid-market businesses and governmental entities by offering various products and services. The Institutional Banking segment is a combination of banking services, fund services, and asset management services provided to institutional clients. The Personal Banking segment combines consumer banking and wealth management services offered to clients and delivered through personal relationships and the firm's bank branches, ATM network, and internet banking. The company was founded was founded in 1967 and is headquartered in Kansas City, MO.

Stock Forecast FAQ

In the current month, UMBF has received 6 Buy ratings 2 Hold ratings, and 0 Sell ratings. The UMBF average analyst price target in the past 3 months is $145.62.

  • Where Will UMB Financial Corp. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that UMB Financial Corp. share price will rise to $145.62 per share over the next 12 months.

  • What Do Analysts Say About UMB Financial Corp.?

    Analysts are divided on their view about UMB Financial Corp. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that UMB Financial Corp. is a Sell and believe this share price will drop from its current level to $130.00.

  • What Is UMB Financial Corp.'s Price Target?

    The price target for UMB Financial Corp. over the next 1-year time period is forecast to be $145.62 according to 8 Wall Street analysts, 6 of them rate the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.

  • Is UMBF A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for UMB Financial Corp. is a Buy. 6 of 8 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of UMBF?

    You can purchase shares of UMB Financial Corp. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase UMB Financial Corp. shares.

  • What Is The UMB Financial Corp. Share Price Today?

    UMB Financial Corp. was last trading at $126.11 per share. This represents the most recent stock quote for UMB Financial Corp.. Yesterday, UMB Financial Corp. closed at $127.86 per share.

  • How To Buy UMB Financial Corp. Stock Online?

    In order to purchase UMB Financial Corp. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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