UMBF logo

UMB FINANCIAL CORP

UMBFNASDAQ
πŸ† #691 by market capEarnings Oct 27US Equity
$147.48β–² $1.49 (+1.01%)
Market closed Β· at close
1hβ€”
24hβ–² 1.0%
7dβ–² 0.5%
14dβ–Ό 0.5%
30dβ–² 2.2%
1yβ–² 28.7%
🏦Market Cap
$11.20B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+72.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
22.3%
Strong
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$146.17 – $148.57
52-Week Range
$103.38 – $150.00
Volume
$2.43B
Avg Volume
$3.17B
Shares Outstanding
76.0M
Next Earnings
Oct 27, 2026

Fundamentals Snapshot

Annual Revenue
$4.44B
Last Q Revenue
$1.12B
P/E Ratio
11.7
P/S Ratio
2.4x
EPS (TTM)
$12.34
Dividend Yield
1.37%

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.

Financial Trends

Revenue (TTM)
$4.44Bβ–² +54.8% YoY
Gross Margin (TTM)
39.7%β–² +0.8% YoY
Operating Income (TTM)
$1.59Bβ–² +54.8% YoY
Free Cash Flow (TTM)
$351Mβ–² +54.8% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Price Target

β“˜
Average Target
$169.87
β–² +15.2% Upside
High Target$183.56
Low Target$150.90
Based on 13 analysts

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