UMB Financial (UMBF) AI Stock Analysis

• Market Cap: $8.68B
• Dividend Yield: 1.43%
• Average Volume (3M): 451.72K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 1.05
• 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: 360,260
• 30 Day Avg. Volume: 451,718
• 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: 0.44
• Enterprise Value/Revenue: 0.94
• Enterprise Value/Gross Profit: 1.83
• Enterprise Value/Ebitda: 4.24
• 1Y Price Target: $142.38
• Price Target Upside: 24.95% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 9
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $130.00 ▲(14.09% Upside)

UMB Financial's strong cash flow, positive technical indicators, and successful strategic initiatives drive a solid stock score. Challenges with revenue growth and acquisition expenses are offset by robust loan production and market positioning.

Positive Factors

Strong Loan Production

Record loan production indicates robust demand and effective lending strategies, supporting long-term revenue growth and market expansion.

Successful Acquisition Integration

Smooth integration of Heartland Financial enhances operational efficiency and expands market presence, providing a platform for future growth.

Fee Income Growth

Strong fee income growth reflects diversified revenue streams and effective service offerings, contributing to financial stability and profitability.

Negative Factors

Increased Acquisition Expenses

Rising acquisition expenses can strain profitability and cash flow, potentially impacting financial flexibility and future investment capacity.

Declining Revenue Growth

Negative revenue growth suggests challenges in maintaining sales momentum, which could affect long-term profitability and market competitiveness.

Decreased Gross Profit Margin

A declining gross profit margin may indicate rising costs or pricing pressures, which could erode profitability if not addressed.

UMB Financial Business Overview & Revenue Model

Company Description

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, 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 asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, 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, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

How the Company Makes Money

UMB Financial generates revenue through several key streams. Primarily, the company earns income from net interest, which is derived from the interest earned on loans and investments minus the interest paid on deposits and borrowings. Additionally, UMB generates non-interest income through service fees, asset management fees, and investment banking activities. The company also benefits from its wealth management services, where it charges fees for investment advisory services and portfolio management. Strategic partnerships with various businesses and organizations enhance UMB's service offerings and customer base, contributing to its overall earnings. Economic factors such as interest rates and market conditions also play a significant role in shaping its revenue performance.

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	17.37B	16.33B	12.68B	8.69B	21.23B	12.84B
Total Debt	3.09B	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	805.74M	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	5.91B	5.96B	4.77B	-4.58B	9.42B	5.95B

UMB Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 113.95
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UMBF, the sentiment is Positive. The current price of 113.95 is above the 20-day moving average (MA) of 110.22, above the 50-day MA of 111.81, and above the 200-day MA of 107.68, indicating a bullish trend. The MACD of 1.11 indicates Negative momentum. The RSI at 57.34 is Neutral, neither overbought nor oversold. The STOCH value of 71.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UMBF.

UMB Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ONB	80 Outperform	$8.77B	13.19	8.26%	2.52%	20.72%	3.63%
WTFC	78 Outperform	$9.21B	12.64	11.69%	1.47%	3.58%	13.93%
UMBF	77 Outperform	$8.68B	12.93	11.06%	1.43%	38.81%	10.38%
BPOP	77 Outperform	$7.75B	10.30	13.05%	2.49%	5.87%	53.36%
ZION	74 Outperform	$8.19B	9.92	12.71%	3.14%	0.12%	27.30%
CMA	71 Outperform	$10.72B	16.06	9.64%	3.39%	-7.07%	31.09%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

UMB Financial Corporate Events

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.