UMBF

Company Overview — What Does UMB FINANCIAL CORP Do?

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, 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 asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, 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, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri. UMB FINANCIAL CORP (UMBF) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO J. Mariner Kemper and employs approximately 3,770 people, headquartered in Kansas City, Missouri. With a market capitalization of $8.7B, UMBF is one of the notable companies in the Financials sector.

UMB FINANCIAL CORP (UMBF) Stock Rating — Hold (April 2026)

As of April 2026, UMB FINANCIAL CORP receives a Hold rating with a composite score of 49.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.UMBF ranks #1,384 out of 4,446 stocks in our coverage universe. Within the Financials sector, UMB FINANCIAL CORP ranks #417 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

UMBF Stock Price and 52-Week Range

UMB FINANCIAL CORP (UMBF) currently trades at $120.23. The stock lost $0.58 (0.5%) in the most recent trading session. The 52-week high for UMBF is $136.11, which means the stock is currently trading -11.7% from its annual peak. The 52-week low is $82.00, putting the stock 46.6% above its annual trough. Recent trading volume was 712K shares, suggesting relatively thin trading activity.

Is UMBF Overvalued or Undervalued? — Valuation Analysis

UMB FINANCIAL CORP (UMBF) carries a value factor score of 72/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 14.83x, compared to the Financials sector average of 14.88x — a discount of 0%. The price-to-book ratio stands at 1.15x, versus the sector average of 1.22x. The price-to-sales ratio is 2.93x, compared to 0.90x for the average Financials stock. On an enterprise value basis, UMBF trades at 10.87x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, UMB FINANCIAL CORP appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

UMB FINANCIAL CORP Profitability — ROE, Margins, and Quality Score

UMB FINANCIAL CORP (UMBF) earns a quality factor score of 54/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 7.8%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.8% versus the sector average of 1.2%.

On a margin basis, UMB FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 24.0% (sector: 21.8%). Net profit margin stands at 19.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 63.3% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

UMBF Debt, Balance Sheet, and Financial Health

UMB FINANCIAL CORP has a debt-to-equity ratio of 6.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.12x, suggesting adequate working capital coverage. Total debt on the balance sheet is $474M. Cash and equivalents stand at $1.07B.

UMBF has a beta of 1.10, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for UMB FINANCIAL CORP is 73/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

UMB FINANCIAL CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, UMB FINANCIAL CORP reported revenue of $3.03B and earnings per share (EPS) of $9.35. Net income for the quarter was $597M. Gross margin was 0.0%. Operating income came in at $740M.

In FY 2025, UMB FINANCIAL CORP reported revenue of $3.35B and earnings per share (EPS) of $9.35. Net income for the quarter was $702M. Revenue grew 54.5% year-over-year compared to FY 2024. Operating income came in at $875M.

In Q3 2025, UMB FINANCIAL CORP reported revenue of $879M and earnings per share (EPS) of $2.38. Net income for the quarter was $188M. Revenue grew 57.6% year-over-year compared to Q3 2024. Operating income came in at $237M.

In Q2 2025, UMB FINANCIAL CORP reported revenue of $851M and earnings per share (EPS) of $2.84. Net income for the quarter was $217M. Revenue grew 58.0% year-over-year compared to Q2 2024. Operating income came in at $275M.

Over the past 8 quarters, UMB FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $538M to $3.03B. Investors analyzing UMBF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

UMBF Dividend Yield and Income Analysis

UMB FINANCIAL CORP (UMBF) currently pays a dividend yield of 1.4%. At this yield, a $10,000 investment in UMBF stock would generate approximately $$135.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning UMBF yields less than the typical sector peer. With a net margin of 19.4%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

UMBF Momentum and Technical Analysis Profile

UMB FINANCIAL CORP (UMBF) has a momentum factor score of 47/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 22/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 15/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

UMBF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, UMB FINANCIAL CORP (UMBF) ranks #417 out of 891 stocks based on the Blank Capital composite score. This places UMBF in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing UMBF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full UMBF vs S&P 500 (SPY) comparison to assess how UMB FINANCIAL CORP stacks up against the broader market across all factor dimensions.

UMBF Next Earnings Date

No upcoming earnings date has been announced for UMB FINANCIAL CORP (UMBF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy UMBF? — Investment Thesis Summary

UMB FINANCIAL CORP presents a balanced picture with arguments on both sides. The value score of 72/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 73/100) reduces downside risk.

In summary, UMB FINANCIAL CORP (UMBF) earns a Hold rating with a composite score of 49.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on UMBF stock.

Related Resources for UMBF Investors

Explore more research and tools: UMBF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare UMBF head-to-head with peers: UMBF vs WTM, UMBF vs OPY, UMBF vs ACT.