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UMBF

UMB Financial Corporation NMS · UMBF

$144.55 -1.44 (-0.99%)
Neutral · +0.62σ Grade C
Mkt cap $11.0B
P/E 12.8
Day $143.93 – $147.27
52wk $107.12 – $148.31
Avg vol 0.7M
Beta 0.78
Div yld 1.18%
Next earnings 2026-07-28

Quick read

Plain English

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally.

UMBF last traded at $144.55, down 1.0% on the day; that's in the upper part of its 52-week range ($107.12–$148.31). Right now it's trading close to its recent average, with no strong stretch in either direction.

The next scheduled earnings report (2026-07-28) is the biggest known catalyst on the calendar, and day to day, watch whether it holds above or slips below its recent average.

A plain-English snapshot built from the data on this page — not investment advice. Always do your own research.

Today's read

Grading desk →

KC1 upper, +0.55 ATR from EMA21 — no notable pattern

Long
score 12 · tech 12 / 80 · support 0 / 20
above KC1 lower, +0.55 ATR from EMA21 · no notable pattern
  • · Aligned with weak uptrend
How this grade was earned
total 12 pts
Cycle position 6
Market fit 6

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

Short C
score 29 · tech 29 / 80 · support 0 / 20
KC1 upper, +0.55 ATR from EMA21 · no notable pattern
  • · KC1 upper stretch — light pop
  • · RSI hook from overbought (57)
  • · Stochastic bear cross in overbought
How this grade was earned
total 29 pts
Cycle position 14
Momentum 12
Market fit 3

Each bar shows how many points that factor added. The more points — and the more factors that agree — the higher the letter grade.

132-Day Trend Zones

Full chart →
21 EMA +1 ATR +2 ATR −2 ATR
O H L C

Under the hood

On the latest daily bar, momentum sits mid-range (RSI 57), the trend is quiet (ADX 19), and trading is light at 0.5× normal volume. On the business side, revenue is growing 49% year over year and the business keeps about 40 cents of every sales dollar as free cash.

Latest-bar indicator readings behind the grade — display-only, they don't move the letter.

Momentum · RSI
57
0–100 · <30 oversold
Trend strength · ADX
19
>25 = strong trend
Volume vs avg
0.51×
1× = average
Stretch from avg
+0.5 ATR
− below · + above
Zone touches
0
tests of this zone
Suggested hold
3–30
bars (≈ days)
Fundamentals at a glance

Company fundamentals for context — display-only, they don't move the grade.

Revenue growth
+49.0%
year over year
Free-cash-flow margin
40.3%
cash kept per $ of sales
P/E ratio
12.7
price ÷ yearly profit

Valuation & accounting

Valuation desk →

Our cash-flow model pegs fair value near $691.34 (fair range $96–$691); today's price leaves a +79% cushion below that estimate. The model's verdict is “Deep value” and accounting quality screens as Weak. Model estimates only — do your own due diligence.

Intrinsic (DCF)
$691.34
Fair-value range
$95.94 – $691.34
Margin of safety
+79%
Verdict
Deep value
Accounting quality Weak
  • ✓ Goodwill 3% of assets (organic growth)
  • ✓ Positive retained earnings
  • ✓ Net margin 32%
  • ⚠ Debt exceeds cash
  • ⚠ Debt/equity 8.50 (fragile)
  • ⚠ Receivables growing faster than revenue

Price implies ~-0% growth (vs trailing rev yoy). Model estimate — do your own due diligence.

Key statistics

All statistics →

UMBF is a $11.0 billion company, priced at 13× last year's earnings, and the stock is trading near the top of its 52-week range.

Mkt cap $11.0B
P/E ttm 12.8
Fwd P/E 10.5
Beta 0.78
Day range $143.93 – $147.27
52w range $107.12 – $148.31
Avg vol 0.7M
RSI(2) 28.8
ROE 12.1%
Net mgn 32.3%
FCF mgn 40.3%
Debt/Eq
Div yld 1.18%
Sector Financial Services
Industry Banks - Regional
Next earn 2026-07-28
52-week range · today's price
$107.12$148.31

More on UMBF

Options idea

See more →
CALL $145 2026-08-21
$4.89
PUT $145 2026-08-21
$3.84

Earnings

See more →
Last reported
2026-04-28
EPS (act / est)
3.41 / 2.82
Surprise
+21.0%
Next report
2026-07-28

About

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…