UMBF logo

UMB FINANCIAL CORP

UMBFNASDAQ
πŸ† #877 by market capEarnings Oct 27US Equity
$131.88β–Ό $1.52 (βˆ’1.15%)
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24hβ–Ό 1.1%
7dβ–Ό 1.8%
14dβ–Ό 4.0%
30dβ–Ό 8.8%
ytdβ–² 14.6%
1yβ–² 11.4%
🏦Market Cap
$10.02B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+72.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
24.3%
Strong
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$130.71 – $132.85
52-Week Range
$103.38 – $153.32
Volume
$2.43B
Avg Volume
$3.17B
Shares Outstanding
76.0M
Next Earnings
Dec 14, 2026

Fundamentals Snapshot

Annual Revenue
$4.44B
Last Q Revenue
$1.12B
P/E Ratio
10.8
P/S Ratio
2.4x
EPS (TTM)
$12.34
Dividend Yield
1.49%
Dilution (1yr)
+55.5%

Why Investors Own UMBF

  • βœ“High-growth profile β€” revenue up +51.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 8% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UMBF logo

UMB FINANCIAL CORP

UMBF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$4.4Bβ–² +68.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
54.4%β–² +2.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$900Mβ–² +66.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$978Mβ–² +386.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
76.5Mβ–² +55.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$2.8Bβ–Ό βˆ’$8.4B YoY
StockOtter Β· stockotter.space

About UMB FINANCIAL CORP

UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Comprehensive treasury management services are also available, encompassing depository functions, account reconciliation, cash management tools, accounts payable and receivable solutions, electronic funds transfers, automated payments, controlled disbursements, lockbox services, and remote deposit capture. The Institutional Banking division caters specifically to institutional clients, offering asset management and healthcare services. Its extensive offerings include fund administration and accounting, investor services, transfer agency functions, marketing and distribution support, custody, and alternative investment services. This segment also manages fixed-income sales, trading, and underwriting, alongside providing corporate trust, escrow, and institutional custody services. A notable feature of this division is its healthcare payment solutions, which incorporate custodial services for health savings accounts and versatile private-label debit cards. These solutions are extended to a diverse clientele, including insurance carriers, third-party administrators, software companies, employers, and financial institutions. For individual customers, the Personal Banking segment presents a suite of services such as deposit accounts, retail credit cards, and private banking. It also provides various loan products, including installment loans, home equity lines of credit, residential mortgages, and small business loans. These offerings are complemented by internet banking, an expansive ATM network, brokerage, insurance, advisory, and trust services. The company operates a substantial network of branches and offices across 17 states: Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. Established in 1913, UMB Financial Corporation maintains its headquarters in Kansas City, Missouri.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Price Target

β“˜
Average Target
$151.90
β–² +15.2% Upside
High Target$164.14
Low Target$134.94
Based on 13 analysts

Latest News & Updates

πŸš€
Zacks Investment ResearchΒ·1d ago

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.

Defense WorldΒ·5d ago

Nykredit A S Makes New Investment in UMB Financial Corporation $UMBF

Nykredit A S acquired a new stake in UMB Financial Corporation (NASDAQ: UMBF) in the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The firm a

Zacks Investment ResearchΒ·7d ago

Are Investors Undervaluing UMB Financial (UMBF) Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and

Zacks Investment ResearchΒ·7d ago

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 rev

BenzingaΒ·9d ago

Benzinga's 'Stock Whisper' Index: 5 Stocks Investors Secretly Monitor But Don't Talk About Yet

Each week,Β Benzinga's Stock Whisper IndexΒ uses a combination of proprietary data and pattern recognition to showcase five stocks that are just under theΒ surface and deserve attention.

Defense WorldΒ·11d ago

Bank of America Corp DE Invests $129.15 Million in UMB Financial Corporation $UMBF

Bank of America Corp DE bought a new position in shares of UMB Financial Corporation (NASDAQ: UMBF) during the second quarter, according to the company in its most recent disclosure with the Securities and Exchange Commi