UMB Financial Corporation (UMBF)
Fair ValueFundamental
73
Price
$135.51
Market Cap
$10.09B
Part 1 · What the company is worth
Overview
UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$2.92B
Trailing 12 months (through 6/30/2026)
Net Income
$943M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$978M
Total Equity
$7.69B
Total Liabilities
$65.40B
Current Ratio
-
Interest Coverage
0.58
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$132.30
Current Price
$135.51
Margin of Safety
-2.4%
Fair Value Range
$89.19 - $175.42
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
11.13
ROE
9.1%
P/B Ratio
1.28
P/FCF
9.89
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
9.6%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (17)
- EPS shows upward trend
- EPS CAGR 8.34%
- Price CAGR 5.67%
- P/FCF 9.89
- P/B ratio 1.28
- Operating margin 40.8%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.2%
- Revenue growth 5Y 13.0%
- Earnings surprise, average 7.1%
- PEG ratio 1.08
- Earnings quality (operating cash flow / net income) 1.16
- Net margin trend 32.3% vs 25.2%
- Piotroski F-Score 6/9
Failed (5)
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- DCF valuation (Overvalued)
- Share dilution 54.0%
Unavailable (5)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Issuing new shares, diluting ownership
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. J. Mariner Kemper | Chairman & CEO | 52 |
| Mr. James D. Rine | President & Vice Chairman | 54 |
| Mr. Ram Shankar | Executive VP & CFO | 52 |
| Ms. Uma Wilson AAP, CTP | Executive VP and Chief Information, Bank Product & Operations Officer | 46 |
| Ms. Shannon Andresen Johnson P.H.R. | Executive VP, Chief Administrative Officer & Chief Risk Officer | 45 |
| Mr. James A. Sangster | Executive Vice President | 70 |
| Mr. Brian Nelson Kaufman | Managing Director of Prairie Capital Management | - |
| Mr. Thomas S. Terry | Executive VP & Chief Credit Officer | 61 |
| Mr. Nikki Farentino Newton | President of Private Wealth Management - UMB Bank, National Association | 53 |
| Mr. John R. Russ | President of Commercial Services | - |
Audit Risk
2
Board Risk
4
Compensation Risk
4
Shareholder Rights Risk
4
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-26
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-30
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-01
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much UMBF moves, measured on its daily prices.
More volatile than 11% of the tracked stocks (90-day volatility).
- Volatility 30d
- 19.8%
- Volatility 90d
- 21.7%
- Beta vs S&P 500 (1y)
- 0.64Correlation 0.33
- Max drawdown (12m)
- -18.9%
- ATR (14d, % of price)
- 2.17%
Earnings reactions
How UMBF moved around its past quarterly results.
Next earnings release
Oct 27, 2026 · In 3 days · After the close
EPS estimate: 3.22Revenue estimate: $745M
What usually happens
- Over the last 12 releases the stock moved a median of 2.3% the next day, up or down.
- Next-day moves: up 6, down 6 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026 | After the close | 3.19 | 3.56 | +11.6% | +1.6% | +3.0% | +3.0% |
| Apr 28, 2026 | After the close | 2.86 | 3.35 | +17.3% | +2.0% | -0.9% | +4.6% |
| Jan 27, 2026 | After the close | 2.60 | 2.74 | +5.2% | -2.9% | -0.2% | +2.5% |
| Oct 28, 2025 | After the close | 2.50 | 2.36 | -5.5% | 0.0% | -3.2% | -5.4% |
| Jul 29, 2025 | After the close | n/a | n/a | n/a | +2.0% | +1.5% | +1.9% |
| Apr 29, 2025 | After the close | n/a | n/a | n/a | -7.0% | -3.3% | +2.3% |
| Jan 28, 2025 | After the close | n/a | n/a | n/a | -1.3% | +0.8% | -5.8% |
| Oct 29, 2024 | After the close | n/a | n/a | n/a | +0.6% | +4.2% | +4.1% |
| Jul 30, 2024 | After the close | n/a | n/a | n/a | +4.0% | +3.0% | -6.9% |
| Apr 29, 2024 | Before the open | n/a | n/a | n/a | -8.3% | -6.5% | -0.7% |
| Jan 30, 2024 | After the close | n/a | n/a | n/a | -0.9% | -1.2% | -4.8% |
| Oct 24, 2023 | After the close | n/a | n/a | n/a | -3.9% | +1.5% | +2.3% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on UMBF and what the price did next.
- 3/15/2026PositiveRegional Bank Stock Up 14% in a Year as Investor Sells $2.6 Million in Shares
- +1 day
- -0.5%
- +3 days
- -1.1%
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for UMBF.
- 3/15/2026POSITIVERegional Bank Stock Up 14% in a Year as Investor Sells $2.6 Million in Shares
UMB Financial Corporation has seen its stock price rise 14% over the past year, demonstrating robust performance in the regional banking sector. The company, which offers a range of banking and asset management services across 15 states, generates income through interest and fees. Despite a recent sale of $2.6 million in shares by an investor, the stock's upward trend suggests sustained investor confidence and positive operational momentum. This performance indicates UMBF's resilience and ability to navigate the current economic landscape, making it an attractive option for investors seeking exposure to the financial services industry.