UMB Financial Corporation UMBF

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Insider Decisions

Total buys 0.23
Total sells 11.65
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 2 2 2
Sell 2 2 2 3 2 9
Insider Ownership 4.01%

Capital & Financial Ratios

Market Cap 2,750.00
Revenue 4,356.17
Net Income 942.68
Free Cash Flow 1,040.68
Net Debt (6,225.04)
Current Ratio 0.76
Debt/Equity 0.06
P/E ratio 11.05
P/S ratio 2.33
P/B ratio 1.31
Past 5Y EPS Growth 12.63%
This Y EPS Growth 16.67%
Next Y EPS Growth 5.46%
Next 5Y EPS Growth 10.46%
in millions of $

Dividends

Payout Ratio 0.20
Annual Dividend Rate 1.52
Annual Dividend Yield 1.95%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡
2026 1.82
2025 1.63
2024 1.05
2023 1.02
2022 0.99
2021 0.92
2020 0.83
2019 0.81
2018 0.78
2017 0.69
2016 0.66
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 5,870.44 9,132.98 9,463.51 6,705.16
Receivables
Inventory
Other
29,047.91 34,765.04 48,175.11 47,771.76
2023 2024 2025 Q'26
Payables 35,792.86 43,142.03 60,656.79 59,766.68
ST’ Debt
Other
40,102.36 46,120.20 64,417.08 63,210.98
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,071.86 1,116.87
’25 904.17 1,072.72 1,082.20 1,085.25 4,144.33
’24 679.31 683.20 716.44 720.18 2,799.13
’23 538.95 599.46 605.29 636.86 2,380.56
’22 345.48 424.91 429.06 492.31 1,691.75
’21 314.88 344.22 329.23 340.37 1,328.70
’20 309.84 313.23 310.01 435.58 1,368.66
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 361.27 349.26
’25 363.02 285.39 272.21 106.08 1,026.69
’24 56.14 112.37 123.65 (66.87) 225.29
’23 1.70 153.71 232.22 84.98 472.60
’22 196.05 209.76 219.30 144.45 769.55
’21 115.94 61.32 185.11 171.72 534.08
’20 9.29 92.35 113.51 158.44 373.60
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 356.76 330.80
’25 354.43 270.55 257.81 95.32 978.11
’24 56.30 106.67 119.35 (77.05) 205.28
’23 (7.67) 150.35 225.88 80.93 449.50
’22 190.38 205.19 201.63 127.37 724.57
’21 110.06 53.64 179.63 160.97 504.30
’20 0.03 74.67 102.19 145.06 321.95
in millions of $

EPS

Mar Jun Sep Dec Year
’26 3.35 3.56
’25 1.21 2.82 2.36 2.74 9.29
’24 2.25 2.07 2.23 2.44 8.99
’23 1.90 1.85 1.98 1.45 7.18
’22 2.17 2.83 1.81 2.06 8.86
’21 1.91 1.79 1.94 1.61 7.24
’20 (0.07) 1.26 1.52 3.24 5.93

Target Price Range

High ‡‡‡‡‡ ‡‡‡‡‡
Average ‡‡‡‡‡ ‡‡‡‡‡
Low ‡‡‡‡‡ ‡‡‡‡‡

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell
Powerpack only forecast
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 76.97 50.68 76.00 82.00
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 112.24 92.68 129.94 126.14
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,770 3,599 3,698 5,222
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.45 0.66 0.76 0.79
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,691.75 2,380.56 2,799.13 4,144.33 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 86.78% 61.41% 58.20% 64.00%
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 532.01 421.60 541.27 874.96
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 31.45% 17.71% 19.34% 21.11% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 431.68 350.02 441.24 702.40 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 99.76 101.64 97.97 132.78
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 35.00 49.08 57.42 56.57 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 8.93 7.22 9.05 9.35 ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.92 9.74 4.62 14.01
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.93) (0.48) (0.41) (0.66) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.99 9.27 4.21 13.35
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 55.17 63.92 71.11 105.02
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 48.34 48.50 48.75 73.26 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.25 11.62 12.46 12.50 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.36 1.71 1.97 2.03 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.50 1.31 1.59 1.14 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.33 1.11 0.29 0.84 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.45 5.87 3.96 3.57
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 769.55 472.60 225.29 1,026.69 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (44.98) (23.10) (20.01) (48.58)
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 724.57 449.50 205.28 978.11
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11,414.00) (11,054.45) (11,355.16) (16,241.97)
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,615.31 383.25 385.29 474.23
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (41.05) (5,487.19) (8,747.69) (8,989.28)
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,667.09 3,100.42 3,466.54 7,693.57
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.06% 0.85% 0.93% 1.11%
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ 12.66% 0.00% 0.00% 0.00%
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.85% 12.14% 13.44% 12.60%
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

UMB Financial Corporation (UMBF) has demonstrated remarkable resilience as a Midwest- and Southwest-focused regional bank, weathering the 2020 COVID-19 downturn and the 2023 banking crisis unscathed thanks to its conservative deposit base and diversified revenues. The transformative 2024 acquisition of Heartland Financial USA catapulted revenue from $926 million in 2016 to $2.8 billion in 2024—a 14% CAGR—with projections soaring to $4.14 billion in 2025, alongside EPS climbing 178% to $9.05 and forecasts reaching $13.22 by 2027. This scale-up, amid stable headcount and rising revenue per employee to $757,000, underscores operational efficiency and positions UMBF for expanded market share in community banking.

Despite margin compression from rising rates—gross margins falling to 58% and EBT to 19%—net income surged 178% to $441 million, with ROE holding strong at 13% in 2024, outpacing peers. Balance sheet fortification is evident in 77% BVPS growth to $71.11, a cash-rich net debt position of -$8.75 billion, and sharply reduced leverage post-acquisition. Valuation multiples have compressed attractively (P/E at 12x, P/B at 1.6x), suggesting historical undervaluation, while stock prices reflected fundamentals with 225% peak appreciation amid volatility.

Analysts forecast robust 2026 net income of $919 million and moderate price target upside of 13% on average, fueled by Heartland synergies, though risks like integration costs, recessionary credit losses, or prolonged high rates loom. Insider buys signal board confidence amid executive profit-taking, reinforcing a positive outlook for mid-teens EPS growth and 10-20% total returns in this fragmented sector.

UMB Financial Corporation (UMBF) Latest News

News by impact score

Fine-tune

21 Aug

3 , 2:12 PM

Analyst coverage indicates UMB Financial (UMBF) could be 60% undervalued, sharpening debate on its true market value and potential upside. New valuation coverage suggesting major undervaluation can moderately affect investor sentiment and short-term stock performance.

3 , 11:31 AM

JPMorgan projects 25% upside potential for UMB Financial Corporation shares based on the firm's outlook for the American financial services company. Positive analyst price target from JPMorgan can lift short-term investor sentiment and trading activity for UMBF.

20 Aug

3 , 12:52 PM

UMB Financial's liquidity position faces questions over its capacity to maintain shareholder returns. Liquidity analysis at a financial firm can moderately affect investor views on stability and payouts.

10 Aug

3 www.thedailyupside.com, 12:02 AM

UMB Financial Corporation outperforms passive strategies via active investing in select market segments, strengthening its fund performance and competitive stance. Active outperformance may lift short-term sentiment and inflows but does not signal major strategic shifts.

3 Aug

3 transcript , 9:01 PM

UMB Financial Corp posted record loan production during its Q2 2026 earnings call. Record loan production strengthens core lending growth and near-term performance outlook.

1 Aug

3 , 12:11 PM

UMB Financial reported earnings and raised its dividend, shifting investor focus to the stock's valuation. Earnings release combined with dividend increase signals improved shareholder returns and draws valuation scrutiny without altering core trajectory.

3 , 3:11 AM

UMB Financial reported stronger earnings and raised its dividend, raising questions about shifts in capital return priorities. Stronger earnings and higher dividend may moderately influence UMBF capital allocation and market perception.

29 Jul

3 transcript www.marketbeat.com, 2:04 PM

UMB Financial reported Q2 results during its earnings call, covering revenue, net income, loan growth, deposit trends, and strategic priorities with executives providing updates on performance and outlook. Quarterly earnings updates supply performance details that can shift near-term investor views but rarely alter long-term company direction.

3 , 9:56 AM

UMB Financial reported Q2 earnings that beat expectations due to year-over-year growth in net interest income, though expenses also increased. Q2 earnings beat on higher net interest income alongside rising expenses points to moderate effects on UMB Financial's performance and sentiment.

28 Jul

4 , 4:57 PM

UMB Financial Corporation reported stronger-than-expected Q2 CY2026 results. Strong quarterly earnings beat can lift investor sentiment and share price trajectory.

3 , 7:30 PM

UMB Financial Corporation Q2 earnings are compared to estimates with details on key metrics. Q2 earnings versus estimates and key metrics can influence UMB short-term stock movement and sentiment.

3 , 4:05 PM

UMB Financial Corporation reported second quarter 2026 results. Quarterly results deliver financial metrics that shape near-term valuation and sentiment.

27 Jul

3 , 4:53 AM

UMB Financial is scheduled to report earnings tomorrow with previews of expected results and market implications. Preview of upcoming earnings can moderately sway near-term stock sentiment without altering long-term trajectory.

29 Jun

4 , 5:14 PM

UMB Financial posted the strongest Q1 results among regional banks. Strongest Q1 results among regional banks signal major positive shift in performance and investor sentiment.

25 Jun

3 PR Newswire, 9:56 AM

Corastone implements permissioned blockchain technology into UMB Fund Services' alternative investment servicing operations. Permissioned blockchain integration improves UMB Fund Services alternative investment operations efficiency.

23 Jun

3 Insider Monkey, 1:54 PM

UMB Bank's institutional custody division reaches $250B in assets under custody. Milestone growth in assets under custody signals expansion in core operations that may support modestly higher market valuation.

3 Zacks, 1:30 PM

UMB Financial Corporation's arm integrates iCapital Blockchain Network to expand its fund platform. Subsidiary blockchain integration adds incremental innovation that may moderately influence product capabilities and competitive positioning.

22 Jun

4 Business Wire, 7:00 AM

iCapital and UMB expand blockchain-enabled network for alternative investments through distributed ledger technology integration. Blockchain network expansion constitutes major strategic move in alternative investments space with potential to alter competitive positioning.

21 May

3 Simply Wall St., 11:14 PM

UMB Financial shares strengthened recently, leading to valuation reassessment amid ongoing Heartland integration prospects. Heartland integration prospects and share price strength point to moderate effects on UMB's financial performance and positioning.

11 May

4 Business Wire, 9:00 AM

UMB Financial Corporation's institutional custody business has grown to $250 billion in assets under custody. Reaching $250 billion in assets under custody marks major growth in a key revenue-generating segment, enhancing UMBF's competitive position and future financial performance.

10 May

4 , 10:10 AM

UMB Financial Corporation (UMBF) reported strong Q1 earnings and introduced new capital initiatives, potentially driving positive investor sentiment and future performance. Strong Q1 earnings combined with strategic capital moves represent major financial and operational advancements likely to enhance UMBF's trajectory and market position.

29 Apr

4 www.marketbeat.com, 5:50 PM

UMB Financial Corporation's Q1 earnings call highlighted strong financial results, including revenue growth, deposit increases, loan portfolio expansion, and positive guidance amid economic challenges. Q1 earnings highlights reveal key financial metrics and outlook that significantly shape investor expectations and UMBF's market trajectory.

4 transcript www.fool.com, 12:06 PM

UMB Financial Corporation (UMBF) released its Q1 2026 earnings call transcript detailing quarterly financial results, management discussion, and forward outlook. Q1 2026 earnings transcript discloses financial performance and strategic guidance that significantly influence investor sentiment and stock trajectory.

4 Zacks, 10:13 AM

UMB Financial Corporation's Q1 earnings beat expectations with year-over-year net interest income growth and declining expenses. Q1 earnings beat from higher NII and lower expenses boosts financial performance and investor sentiment significantly.

3 app.moby.co, 8:30 AM

UMB Financial Corporation released Q1 2026 earnings call summary detailing financial results, strategic updates, and outlook. Quarterly earnings summaries often affect financial performance perceptions and short-term market sentiment.

28 Apr

4 Zacks, 7:00 PM

UMBF Q1 earnings key metrics compared to estimates, highlighting performance against analyst expectations. Q1 earnings metrics versus estimates significantly influence UMBF's stock price, investor sentiment, and future performance trajectory.

4 , 4:43 PM

UMB Financial (NASDAQ:UMBF) reported bullish Q1 CY2026 results. Bullish quarterly earnings signal strong financial performance likely to boost investor confidence and stock price trajectory.

4 Business Wire, 4:05 PM

UMB Financial Corporation declares dividends on its common stock and various series of preferred stock and authorizes a new share repurchase program. Dividends and share repurchase authorization signal financial strength and commitment to shareholder returns, likely boosting stock performance and investor sentiment.

4 Business Wire, 4:05 PM

UMB Financial Corporation reported first quarter 2026 results, highlighting key financial metrics and performance. Quarterly earnings reports provide critical insights into financial health, directly affecting stock performance and investor outlook.

3 Zacks, 7:00 PM

UMB Financial (UMBF) Q1 earnings and revenues exceeded analyst estimates. Beating Q1 earnings estimates positively affects financial performance and market sentiment without fundamentally altering long-term trajectory.