UMB Financial (UMBF) Stock Price, News & Analysis

Company Overview

UMB Financial Corporation is a financial holding company headquartered in Kansas City, Missouri. Its principal subsidiary, UMB Bank, provides banking and financial services to individuals, businesses, institutions and government entities. The company serves customers through banking offices and digital channels across the Midwest and other U.S. markets.

UMB Bank offers commercial and personal banking products, including deposit accounts, loans, treasury management, payment services and credit solutions. The company also provides wealth management, investment advisory, trust and custody services, and institutional banking solutions. Through UMB Fund Services, it supports asset managers and investment companies with fund administration, accounting, transfer agency and related services.

Founded in 1913, UMB has expanded from a regional Kansas City bank into a diversified financial services organization. Its operations generally focus on businesses, institutions and affluent individuals, with a geographic presence in states including Missouri, Kansas, Colorado, Illinois, Nebraska, Oklahoma and Arizona, among others. UMB Financial is led by Chairman and Chief Executive Officer J. Mariner Kemper.

Key Stats

• Today's Range: $132.23 to $134.16
• 50-Day Range: $128.21 to $152.04
• 52-Week Range: $68.92 to $144.36
• Volume: 386,646 shs
• Average Volume: 652,457 shs
• Market Capitalization: $10.09 billion
• P/E Ratio: 11.07
• Dividend Yield: 1.50%
• Price Target: $162.86
• Consensus Rating: Moderate Buy

UMB Financial Stock Analysis - MarketRank™

UMB Financial scored higher than 96% of companies evaluated by MarketBeat, and ranked 69th out of 851 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: 4.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

UMB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.81, and is based on 1 strong buy rating, 11 buy ratings, 4 hold ratings, and no sell ratings.

Upside Potential

UMB Financial has a consensus price target of $162.86, representing about 22.5% upside from its current price of $132.91.

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: 3.03%

Earnings Growth

Earnings for UMB Financial are expected to grow by 3.03% in the coming year, from $13.53 to $13.94 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of UMB Financial is 11.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 36.09.

Price to Earnings Ratio vs. Sector

The P/E ratio of UMB Financial is 11.07, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.07.

Price to Earnings Growth Ratio

UMB Financial has a PEG Ratio of 0.62. 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 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.41% 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 4.93.

Change versus previous month

Short interest in UMB Financial has recently increased by 7.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

UMB Financial pays a meaningful dividend of 1.54%, 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 14.35% next year. This indicates that UMB Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.3 / 5
• News Sentiment: 0.03

News Sentiment

UMB Financial has a news sentiment score of 0.03. 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 lower news sentiment than the 0.60 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for UMB Financial this week, compared to 4 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 -50% compared to the previous 30 days.

Company Ownership

• Score: 3.0 / 5
• Insider Trading: Selling Shares

Cluster Insider Buying

2 insiders have purchased shares of UMB Financial in the last three months. Multiple insiders buying is a strong bullish signal.

Insider Buying vs. Insider Selling

In the past three months, UMB Financial insiders have sold 2,697.08% more of their company's stock than they have bought. Specifically, they have bought $134,993.00 in company stock and sold $3,775,862.00 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

• Last Earnings: 7/28/2026
• Record date for 10/1 Dividend: 9/10/2026
• Ex-Dividend for 10/1 Dividend: 9/10/2026
• Dividend Payable: 10/01/2026
• Today: 10/22/2026
• 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: $162.86
• High Price Target: $182.00
• Low Price Target: $147.00
• Potential Upside/Downside: +22.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.81
• Research Coverage: 16 Analysts

Profitability

• EPS (Trailing Twelve Months): $12.01
• Trailing P/E Ratio: 11.07
• Forward P/E Ratio: 9.82
• P/E Growth: 0.62
• 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: 3.75
• Cash Flow: $12.97 per share
• Price / Cash Flow: 10.25
• Book Value: $97.42 per share
• Price / Book: 1.36

Miscellaneous

• Outstanding Shares: 75,950,000
• Free Float: 71,902,000
• Market Cap: $10.09 billion
• Optionable: Optionable
• Beta: 0.82