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: $120.77 to $123.05
• 50-Day Range: $25.05 to $122.99
• 52-Week Range: $82.00 to $129.94
• Volume: 211,553 shs
• Average Volume: 650,233 shs
• Market Capitalization: $9.36 billion
• P/E Ratio: 14.18
• Dividend Yield: 1.30%
• Price Target: $132.11
• Consensus Rating: Moderate Buy

UMB Financial Stock Analysis - MarketRank™

UMB Financial scored higher than 99% of companies evaluated by MarketBeat, and ranked 25th out of 927 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: 2.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

UMB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.78, and is based on 5 buy ratings, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

UMB Financial has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 14.49%

Earnings Growth

Earnings for UMB Financial are expected to grow by 14.49% in the coming year, from $9.66 to $11.06 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of UMB Financial is 14.14, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 271.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of UMB Financial is 14.14, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 230.49.

Price to Earnings Growth Ratio

UMB Financial has a PEG Ratio of 1.39. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

UMB Financial has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.62% of the outstanding shares of UMB Financial have been sold short.

Short Interest Ratio / Days to Cover

UMB Financial has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in UMB Financial has recently decreased by 5.69%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

UMB Financial pays a meaningful dividend of 1.31%, 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 18.39%. 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 14.47% next year. This indicates that UMB Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.3 / 5
• Environmental Score: -0.43

Percentage of Shares Shorted

2.62% of the outstanding shares of UMB Financial have been sold short.

Short Interest Ratio / Days to Cover

UMB Financial has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in UMB Financial has recently decreased by 5.69%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.24

News Sentiment

UMB Financial has a news sentiment score of 1.24. 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 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 17 news articles for UMB Financial this week, compared to 11 articles on an average week.

MarketBeat Follows

Only 1 people have added UMB Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, UMB Financial insiders have sold 4,664.55% more of their company's stock than they have bought. Specifically, they have bought $47,766.00 in company stock and sold $2,275,833.00 in company stock.

Percentage Held by Insiders

Only 5.45% 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.

UMBF Stock Analysis - Frequently Asked Questions

How have UMBF shares performed this year?

UMB Financial's stock was trading at $112.86 at the beginning of 2025. Since then, UMBF shares have increased by 9.0% and is now trading at $123.0110.

How were UMB Financial's earnings last quarter?

UMB Financial Corporation (NASDAQ:UMBF) released its earnings results on Tuesday, July, 29th. The bank reported $2.96 earnings per share (EPS) for the quarter, beating the consensus estimate of $2.35 by $0.61. The company's revenue was up 76.7% compared to the same quarter last year.
Read the conference call transcript.

Who are UMB Financial's major shareholders?

UMB Financial's top institutional investors include UMB Bank n.a. (5.73%), State Street Corp (5.66%), American Century Companies Inc. (2.61%) and Allspring Global Investments Holdings LLC (2.60%). Insiders that own company stock include J Mariner Kemper, Greg M Graves, Timothy R Murphy, Shannon Andresen Johnson, Abigail M Wendel, Uma Wilson, Kevin Charles Gallagher, L Joshua Sosland, Robert Brian Beaird, Stacy H King, Phillip James Mason, Tamara Peterman, James Cornelius, Nikki Farentino Newton, Martin Dominic Karaba, Amy Harris, John Pauls, Kris A Robbins and Janine Davidson.
View institutional ownership trends.

How do I buy shares of UMB Financial?

Shares of UMBF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of UMB Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that UMB Financial investors own include Chipotle Mexican Grill (CMG), Endologix (ELGX), NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Exxon Mobil (XOM) and Advanced Micro Devices (AMD).

Company Calendar

• Record date for 7/1 Dividend: 6/10/2025
• Ex-Dividend for 7/1 Dividend: 6/10/2025
• Dividend Payable: 7/01/2025
• Last Earnings: 7/29/2025
• Today: 9/04/2025
• Record date for 10/1 Dividend: 9/10/2025
• Ex-Dividend for 10/1 Dividend: 9/10/2025
• Dividend Payable: 10/01/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UMBF
• CIK: 101382
• Web: www.umb.com
• Phone: (816) 860-7000
• Fax: 816-860-4642
• Employees: 3,698
• Year Founded: 1913

Price Target and Rating

• Average Price Target for UMB Financial: $132.11
• High Price Target: $150.00
• Low Price Target: $105.00
• Potential Upside/Downside: +8.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.78
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): $8.70
• Trailing P/E Ratio: 13.96
• Forward P/E Ratio: 12.57
• P/E Growth: 1.39
• Net Income: $441.24 million
• Net Margins: 15.42%
• Pretax Margin: 19.00%
• Return on Equity: 12.27%
• Return on Assets: 1.05%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.77
• Quick Ratio: 0.77

Sales & Book Value

• Annual Sales: $2.80 billion
• Price / Sales: 3.29
• Cash Flow: $11.43 per share
• Price / Cash Flow: 10.63
• Book Value: $90.62 per share
• Price / Book: 1.34

Miscellaneous

• Outstanding Shares: 75,930,000
• Free Float: 71,790,000
• Market Cap: $9.22 billion
• Optionable: Optionable
• Beta: 0.77