UMB Financial (UMBF) AI Stock Analysis

• Market Cap: $8.07B
• Dividend Yield: 1.42%
• Average Volume (3M): 458.56K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 1.18
• Revenue Growth: 38.81%
• EPS Growth: 10.38%
• Country: US
• Employees: 3,698
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.70
• Shares Outstanding: 75,954,660
• 10 Day Avg. Volume: 565,698
• 30 Day Avg. Volume: 458,558
• PEG Ratio: 0.49
• Price to Book (P/B): 1.59
• Price to Sales (P/S): 2.09
• P/FCF Ratio: 27.36
• Enterprise Value/Market Cap: 0.47
• Enterprise Value/Revenue: 0.94
• Enterprise Value/Gross Profit: 1.83
• Enterprise Value/Ebitda: 4.24
• 1Y Price Target: $142.38
• Price Target Upside: 32.87% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 9
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $117.00 ▲(9.18% Upside)

UMB Financial's overall score reflects strong financial performance and positive earnings call sentiment, offset by bearish technical indicators and moderate valuation. The company's robust cash flow and strategic growth initiatives are significant strengths, while declining revenue growth and market momentum pose challenges.

Positive Factors

Strong Loan Production

Record loan production indicates robust demand and effective lending strategies, enhancing revenue potential and market position.

Fee Income Growth

Growth in fee income reflects strong client engagement and diversified revenue streams, supporting financial stability and profitability.

Successful Acquisition Integration

Smooth integration of Heartland Financial enhances operational efficiency and expands market reach, supporting long-term strategic growth.

Negative Factors

Declining Revenue Growth

Negative revenue growth indicates potential challenges in maintaining sales momentum, which could impact future profitability.

Increased Acquisition Expenses

Rising acquisition expenses may strain financial resources and impact short-term profitability, potentially affecting cash flow management.

Decreased Gross Profit Margin

A declining gross profit margin can reduce overall profitability, necessitating cost management strategies to sustain margins.

UMB Financial Business Overview & Revenue Model

Company Description

UMB Financial Corporation (UMBF) is a diversified financial services holding company headquartered in Kansas City, Missouri. The company operates through various segments, including Commercial Banking, Institutional Banking, and Wealth Management. UMB offers a range of core products and services such as commercial loans, treasury management, investment management, and personal banking to individuals, businesses, and governmental entities across the United States.

How the Company Makes Money

UMB Financial generates revenue primarily through interest income from loans and investment securities, as well as non-interest income from service fees and asset management. Key revenue streams include net interest income from the lending operations in commercial and consumer banking, fees from treasury management services, and wealth management services that include trust and investment advisory fees. The company also benefits from its strategic partnerships with businesses and institutions, which enhance its service offerings and client base, contributing to its overall earnings.

UMB Financial Financial Statement Overview

Summary

UMB Financial demonstrates strong cash flow and efficient operations, with a high free cash flow to net income ratio. However, challenges include a decline in revenue growth and gross profit margin, which could impact future profitability.

Income Statement

UMB Financial shows a strong EBIT and EBITDA margin in the TTM, indicating efficient operations. However, the recent revenue growth rate is negative, suggesting a decline in sales. The gross profit margin has decreased significantly from previous years, which could impact profitability if not addressed.

Balance Sheet

The company's debt-to-equity ratio has improved in the TTM, indicating better leverage management. Return on equity has decreased slightly, reflecting a potential decline in profitability. The equity ratio remains stable, suggesting a solid capital structure.

Cash Flow

Free cash flow has shown significant growth in the TTM, indicating strong cash generation. The free cash flow to net income ratio is high, demonstrating efficient cash conversion. However, the operating cash flow to net income ratio is low, which could indicate potential issues in cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.04B	2.64B	2.24B	1.58B	1.24B	1.30B
Gross Profit	2.07B	1.41B	1.28B	1.32B	1.18B	1.09B
EBITDA	896.91M	594.04M	480.32M	586.03M	484.81M	401.69M
Net Income	607.04M	441.24M	350.02M	431.68M	353.02M	286.50M
Balance Sheet
Total Assets	71.88B	50.41B	44.01B	38.51B	42.69B	33.13B
Cash, Cash Equivalents and Short-Term Investments	1.07B	16.33B	12.68B	8.69B	21.23B	12.84B
Total Debt	3.31B	3.00B	3.50B	2.60B	3.51B	2.59B
Total Liabilities	64.44B	46.94B	40.91B	35.85B	39.55B	30.11B
Stockholders Equity	7.44B	3.47B	3.10B	2.67B	3.15B	3.02B
Cash Flow
Free Cash Flow	843.57M	201.08M	445.69M	717.84M	500.39M	313.38M
Operating Cash Flow	853.75M	225.29M	472.60M	769.55M	534.08M	373.60M
Investing Cash Flow	-5.20B	-3.26B	-1.27B	-3.85B	-4.24B	-4.49B
Financing Cash Flow	2.96B	5.96B	4.77B	-4.58B	9.42B	5.95B

UMB Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 107.16
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UMBF, the sentiment is Negative. The current price of 107.16 is below the 20-day moving average (MA) of 110.81, below the 50-day MA of 116.65, and below the 200-day MA of 108.10, indicating a bearish trend. The MACD of -2.72 indicates Positive momentum. The RSI at 36.72 is Neutral, neither overbought nor oversold. The STOCH value of 27.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UMBF.

UMB Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WTFC	79 Outperform	$8.55B	11.73	11.69%	1.54%	3.61%	13.93%
CMA	73 Outperform	$9.88B	14.81	9.64%	3.73%	-7.07%	31.09%
ONB	70 Outperform	$7.99B	12.02	8.26%	2.71%	20.72%	3.63%
BPOP	70 Outperform	$7.52B	9.95	13.05%	2.54%	5.87%	53.36%
UMBF	68 Neutral	$8.07B	12.03	11.06%	1.42%	38.81%	10.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ZION	65 Neutral	$7.60B	9.21	12.75%	3.36%	0.12%	27.77%

UMB Financial Corporate Events

UMB Financial’s Strong Quarter: Key Earnings Call Insights

UMB Financial Corp. recently held its earnings call, reflecting a strong quarter marked by significant achievements in loan production, fee income, and the successful integration of Heartland Financial. Despite some challenges, such as increased acquisition expenses and market valuation impacts, the positive aspects and strategic growth initiatives outweighed the negatives, setting a robust tone for the company’s future.

UMB Financial Announces Quarterly Dividend Amid Strong Q3 Results

On October 28, 2025, UMB Financial Corporation announced a quarterly dividend of $0.43 per share for common stock and $193.75 per share for Series B preferred stock, payable in January 2026. The company reported strong financial results for the third quarter of 2025, with a significant increase in net income and operating income compared to the previous year, driven by record loan production and successful integration of Heartland Financial USA, Inc. The results highlight UMB’s strong market positioning and operational efficiency, benefiting stakeholders through improved financial performance and strategic growth.

The most recent analyst rating on (UMBF) stock is a Buy with a $133.00 price target. To see the full list of analyst forecasts on UMB Financial stock, see the UMBF Stock Forecast page.

UMB Financial Announces Redemption of Subordinated Notes

UMB Financial Corporation announced the redemption of its 3.70% Fixed-to-Fixed Rate Subordinated Notes due 2030, effective September 17, 2025. This move involves redeeming all outstanding notes at their principal amount plus accrued interest, impacting the company’s financial obligations and potentially its market positioning.

The most recent analyst rating on (UMBF) stock is a Buy with a $132.00 price target. To see the full list of analyst forecasts on UMB Financial stock, see the UMBF Stock Forecast page.

UMB Financial Corp. Reports Strong Earnings and Growth

The recent earnings call of UMB Financial Corp. painted a positive picture, highlighting strong performance in net income, investment gains, and growth in loans and deposits. Despite facing challenges related to the integration of Heartland and seasonal deposit pressures, the company showcased a successful pilot conversion and a preferred stock offering, contributing to an optimistic outlook.

UMB Financial Reports Strong Q2 2025 Performance

UMB Financial Corporation, a financial services company headquartered in Kansas City, Missouri, offers a range of banking services including commercial, personal, and institutional banking across multiple states in the U.S. and serves clients internationally.