UMB Financial (UMBF) AI Stock Analysis

• Market Cap: $9.66B
• Dividend Yield: 1.37%
• Average Volume (3M): 433.18K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 1.03
• Revenue Growth: 38.81%
• EPS Growth: 10.38%
• Country: US
• Employees: 3,698
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 3.08
• Shares Outstanding: 75,954,660
• 10 Day Avg. Volume: 605,582
• 30 Day Avg. Volume: 433,178
• 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: 0.95
• Enterprise Value/Revenue: 2.27
• Enterprise Value/Gross Profit: 4.43
• Enterprise Value/Ebitda: 10.23
• 1Y Price Target: $143.67
• Price Target Upside: 13.00% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 11
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $141.00 ▲(10.90% Upside)

UMBF scores well primarily on solid financial performance (strong cash generation and operating efficiency) and a positive earnings-call outlook (growth momentum and sound credit). Technicals are supportive with an established uptrend, while valuation is reasonable but not especially cheap, keeping the overall score in the mid-to-high 70s.

Positive Factors

Robust loan growth

Sustained high loan origination expands the interest‑earning asset base and supports net interest income over coming quarters. Strong C&I and production momentum evidences commercial franchise strength that can drive durable earning power if credit trends remain favorable.

Strong core deposit funding

Rapid growth in DDA and core deposits provides low‑cost, sticky funding that supports loan growth and cushions margins. A deeper core deposit mix reduces reliance on wholesale funding and improves structural net interest margin resiliency over multiple quarters.

Solid cash generation and operating efficiency

Meaningful free cash flow expansion and improved efficiency enhance financial flexibility for capital returns, reinvestment and M&A. Consistent cash conversion supports durable dividend capacity and buffer for cyclical revenue swings over the medium term.

Negative Factors

Negative revenue growth and margin compression

Declining revenue and compressed gross margins indicate structural pressure on core profitability. If not reversed, lower top‑line and shrinking margins can erode return on equity and limit reinvestment, making sustained earnings growth and dividend support harder to achieve.

NIM reliant on purchase‑accounting accretion

A sizable portion of recent margin improvement stems from finite purchase‑accounting accretion. Expected step‑downs in accretion create a structural headwind to NII; absent durable core margin gains, earnings could face recurring pressure as accretion rolls off.

Noninterest income volatility and nonrecurring gains

Material reliance on one‑time investment gains and quarter‑to‑quarter fee variability makes noninterest revenue less predictable. Persistent volatility in fee lines weakens revenue diversification and complicates medium‑term earnings visibility and planning.

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

Overall financials are solid: strong cash generation and good operating efficiency, supported by improved leverage. Key offsets are negative revenue growth and a notable decline in gross margin, plus some cash-flow quality concerns (low operating cash flow to net income ratio).

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: 127.14
• 50DMA: Positive
• 100DMA: Positive
• 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 127.14 is above the 20-day moving average (MA) of 122.39, above the 50-day MA of 117.66, and above the 200-day MA of 111.14, indicating a bullish trend. The MACD of 2.33 indicates Negative momentum. The RSI at 63.25 is Neutral, neither overbought nor oversold. The STOCH value of 63.66 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
WTFC	79 Outperform	$9.88B	12.94	12.11%	1.40%	3.58%	13.93%
ONB	77 Outperform	$9.55B	13.65	22.83%	2.43%	20.72%	3.63%
UMBF	76 Outperform	$9.66B	13.69	12.59%	1.37%	38.81%	10.38%
BPOP	75 Outperform	$8.90B	10.86	14.05%	2.31%	5.87%	53.36%
ZION	72 Outperform	$8.85B	9.97	13.39%	2.97%	0.12%	27.30%
CMA	70 Outperform	$11.33B	16.79	10.09%	3.21%	-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 Declares Quarterly Common and Preferred Dividends

On January 27, 2026, UMB Financial’s board declared a quarterly dividend of $0.43 per share on its common stock, payable April 1, 2026, to shareholders of record as of March 10, 2026. The board also approved a dividend of $193.75 per share on its Series B 7.750% preferred stock, or $0.484375 per depositary share, payable April 15, 2026, to preferred shareholders of record as of March 31, 2026, underscoring the company’s continued capital return to both common and preferred equity holders.

The most recent analyst rating on (UMBF) stock is a Buy with a $138.00 price target. To see the full list of analyst forecasts on UMB Financial stock, see the UMBF Stock Forecast page.