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UMB Financial Corporation (UMBF)

POSITIVE
Financial ServicesBanks - RegionalUnited States

Fundamental

74

Price

$143.67

Market Cap

$11.06B

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

BankFairly Valued

Fair Value

$138.19

Current Price

$143.67

Margin of Safety

-4.0%

Fair Value Range

$94.20 - $182.17

Estimation Methods

Analyst price target:$168.21
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$129.81
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$161.18
Dividend discount (Gordon):$44.04
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Analyst Consensus:Strong Buy (16B / 3H / 0S)
Last Earnings Surprise:+11.63%

Valuation Metrics

P/E Ratio

11.83

ROE

9.1%

P/B Ratio

1.36

P/FCF

10.51

Gross Margin

-

ROIC

-

Profitability Radar

Value Creation (Economic Moat)

ROIC

-

WACC

9.4%

ROIC − WACC

-

Fundamental Analysis Criteria

Passed (18)

  • EPS shows upward trend
  • EPS CAGR 8.34%
  • Price CAGR 6.53%
  • P/FCF 10.51
  • P/B Ratio 1.36
  • 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%
  • Analyst Consensus 84% Buy
  • Earnings Surprise avg 7.1%
  • PEG Ratio 1.22
  • Earnings Quality (OCF/NI) 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 NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

6/9

Mixed signals: some areas need attention

score
criteria

Earnings Quality

1.16

High quality: earnings backed by cash

Share Dilution

54.0%

Issuing new shares, diluting ownership

Governance

Executive Team

NameTitleAge
Mr. J. Mariner KemperChairman & CEO52
Mr. James D. RinePresident & Vice Chairman54
Mr. Ram ShankarExecutive VP & CFO52
Ms. Uma Wilson AAP, CTPExecutive VP and Chief Information, Bank Product & Operations Officer46
Ms. Shannon Andresen Johnson P.H.R.Executive VP, Chief Administrative Officer & Chief Risk Officer45

Audit Risk

2

Board Risk

4

Compensation Risk

3

Shareholder Rights Risk

4

Part 2 · The price and when to enter

This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.

Latest News

Recent headlines for UMBF, sourced from Markets Gazette.

  • 3/15/2026POSITIVE
    Regional 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.

via Markets Gazette