UMB Financial Corporation

Valuation Analysis

About the Company

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

UMB Financial Corporation Stock at a Glance

UMB Financial Corporation (UMBF) is currently trading at $135.37 with a market capitalization of $10.3B. The trailing P/E ratio stands at 11.84x, with a forward P/E of 9.89x. The 52-week range spans from $98.16 to $136.11; the current price is 0.5% below the yearly high. Year-over-year revenue growth stands at +49.0%. The net profit margin stands at 32.3%.

💰 Dividend

UMB Financial Corporation pays an annual dividend of $1.72 per share, representing a yield of 1.27%. The payout ratio stands at 14.52%.

📊 Analyst Rating

13 analysts rate UMB Financial Corporation (UMBF) on consensus: Buy. The average price target is $147.23, implying +8.76% from the current price. Analyst price targets range from $130.00 to $170.00.

UMB Financial Corporation: The Investment Case in Detail

UMB Financial Corporation (UMBF) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Top-line momentum is unusually strong with revenue expanding 49% year-over-year, a pace that puts the company well above the market average and signals genuine demand traction rather than mere cyclical tailwind. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The forward P/E of 9.89x is meaningfully below the trailing 11.84x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 98.1% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (5.44%).

Trading Data

💵 Dividend Info

Related Stocks in the Same Sector

Where can I buy UMB Financial Corporation?

Compare top-rated brokers — low fees, trusted providers, fully regulated.