UMB Financial (UMBF) Stock Price, News & Analysis

Company Overview

UMB Financial Corporation (NASDAQ: UMBF) is a diversified financial services holding company headquartered in Kansas City, Missouri. Through its principal banking subsidiary, UMB Bank, N.A., the company provides a full suite of commercial and consumer banking services. Key offerings include deposit accounts, commercial and consumer lending, treasury and cash management, as well as online and mobile banking solutions designed to serve businesses, individuals and municipalities.

In addition to its core banking operations, UMB Financial delivers wealth management and trust services, investment advisory, asset management and retirement planning to high-net-worth individuals, families and institutions. The company’s payment solutions division offers merchant services, corporate payment processing and merchant analytics, enabling clients to streamline receivables and manage electronic payments efficiently. Through dedicated private banking teams, UMB also supports specialty finance needs such as equipment leasing and real estate financing.

Founded in 1913 and restructured under its current holding company in the mid-1990s, UMB Financial has expanded its regional footprint across the Midwest and Mountain West. It operates offices in multiple states, including Missouri, Kansas, Colorado, Nebraska, Illinois, Oklahoma, Arizona and Texas. Over its more than a century of history, UMB has maintained a focus on relationship banking, investing in technology and risk management to support long-term stability and growth for its stakeholders.

Key Stats

• Today's Range: $142.38 to $144.48
• 50-Day Range: $132.57 to $152.04
• 52-Week Range: $103.38 to $153.32
• Volume: 323,175 shs
• Average Volume: 621,921 shs
• Market Capitalization: $10.90 billion
• P/E Ratio: 11.95
• Dividend Yield: 1.39%
• Price Target: $165.00
• Consensus Rating: Moderate Buy

UMB Financial Stock Analysis - MarketRank™

UMB Financial scored higher than 99% of companies evaluated by MarketBeat, and ranked 35th out of 835 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

UMB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.93, and is based on 2 strong buy ratings, 10 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

UMB Financial has a consensus price target of $165.00, representing about 15.0% upside from its current price of $143.50.

Amount of Analyst Coverage

UMB Financial has been the subject of 13 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 2.45%

Earnings Growth

Earnings for UMB Financial are expected to grow by 2.45% in the coming year, from $13.48 to $13.81 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of UMB Financial is 11.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.61.

Price to Earnings Ratio vs. Sector

The P/E ratio of UMB Financial is 11.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.66.

Price to Earnings Growth Ratio

UMB Financial has a PEG Ratio of 0.71. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

UMB Financial has a P/B Ratio of 1.47. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.76% of the float of UMB Financial has been sold short.

Short Interest Ratio / Days to Cover

UMB Financial has a short interest ratio ("days to cover") of 5.01.

Change versus previous month

Short interest in UMB Financial has recently decreased by 16.33%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

UMB Financial pays a meaningful dividend of 1.18%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

UMB Financial has been increasing its dividend for 32 years.

Dividend Coverage

The dividend payout ratio of UMB Financial is 16.65%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, UMB Financial will have a dividend payout ratio of 14.48% next year. This indicates that UMB Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.9 / 5
• News Sentiment: 1.30

News Sentiment

UMB Financial has a news sentiment score of 1.30. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.89 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 18 news articles for UMB Financial this week, compared to 5 articles on an average week.

Search Interest

Only 1 people have searched for UMBF on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

2 people have added UMB Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 1.6 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, UMB Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $4,919,826.00 in company stock.

Percentage Held by Insiders

5.33% of the stock of UMB Financial is held by insiders.

Percentage Held by Institutions

87.78% of the stock of UMB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 7/1 Dividend: 6/10/2026
• Ex-Dividend for 7/1 Dividend: 6/10/2026
• Dividend Payable: 7/01/2026
• Last Earnings: 7/28/2026
• Today: 8/25/2026
• Record date for 10/1 Dividend: 9/10/2026
• Ex-Dividend for 10/1 Dividend: 9/10/2026
• Dividend Payable: 10/01/2026
• Next Earnings (Estimated): 10/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UMBF
• CIK: 101382
• Web: www.umb.com
• Phone: (816) 860-7000
• Fax: 816-860-4642
• Employees: 5,222
• Year Founded: 1913

Price Target and Rating

• Average Price Target for UMB Financial: $165.00
• High Price Target: $181.00
• Low Price Target: $145.00
• Potential Upside/Downside: +14.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.93
• Research Coverage: 15 Analysts

Profitability

• EPS (Trailing Twelve Months): $12.01
• Trailing P/E Ratio: 11.97
• Forward P/E Ratio: 10.66
• P/E Growth: 0.71
• Net Income: $702.40 million
• Net Margins: 21.64%
• Pretax Margin: 27.28%
• Return on Equity: 13.41%
• Return on Assets: 1.38%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.76
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $2.69 billion
• Price / Sales: 4.05
• Cash Flow: $12.87 per share
• Price / Cash Flow: 11.17
• Book Value: $97.42 per share
• Price / Book: 1.48

Miscellaneous

• Outstanding Shares: 75,950,000
• Free Float: 71,902,000
• Market Cap: $10.92 billion
• Optionable: Optionable
• Beta: 0.77