UMB Financial (UMBF) AI Stock Analysis

• Market Cap: $8.62B
• Dividend Yield: 1.42%
• Average Volume (3M): 446.74K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 1.15
• Revenue Growth: 30.40%
• EPS Growth: 12.40%
• Country: US
• Employees: 3,698
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.70
• Shares Outstanding: 75,928,250
• 10 Day Avg. Volume: 448,619
• 30 Day Avg. Volume: 446,737
• 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: 0.12
• Enterprise Value/Revenue: 0.32
• Enterprise Value/Gross Profit: 0.58
• Enterprise Value/Ebitda: 1.37
• 1Y Price Target: $142.30
• Price Target Upside: 26.56% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 10

• Rating: 78 Outperform
• Price Target: $133.00 ▲(18.29% Upside)

UMB Financial's strong financial performance and positive earnings call are the most significant factors contributing to its overall score. While technical indicators suggest some short-term weakness, the company's solid valuation and strategic growth initiatives provide a positive long-term outlook. Investors should be mindful of acquisition-related expenses and potential seasonal impacts on deposit costs.

Positive Factors

Revenue Growth

The significant growth in loans and deposits indicates strong market demand and effective business strategies, supporting long-term revenue expansion.

Successful Acquisition Integration

Successful integration of acquisitions like Heartland enhances operational efficiency and market reach, contributing to sustained competitive advantage.

Strong Cash Generation

Robust free cash flow growth highlights UMB's ability to generate cash, ensuring liquidity for investments and shareholder returns.

Negative Factors

Declining ROE

A declining ROE may indicate challenges in generating returns from equity, potentially impacting investor confidence and long-term growth prospects.

Acquisition-related Expenses

High acquisition-related expenses can strain profitability and cash flow, posing risks to financial stability if not managed effectively.

Potential Margin Pressure

Potential margin pressure from deposit cost fluctuations could affect profitability, requiring strategic management to maintain financial performance.

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 strengths in cost management and a stable balance sheet with low leverage. However, challenges include inconsistent revenue growth and free cash flow, impacting the company's financial flexibility.

Income Statement

UMB Financial shows a strong gross profit margin indicating effective cost management, but the net profit margin has been fluctuating due to varying net income. The revenue growth rate is inconsistent, with a recent decline in TTM revenues compared to the previous annual report, which needs monitoring. EBIT and EBITDA margins have been absent or inconsistent, impacting profitability analysis.

Balance Sheet

The company maintains a relatively low debt-to-equity ratio, suggesting prudent financial leverage. Return on equity is satisfactory, but improvement is needed to enhance shareholder value. The equity ratio indicates a stable asset base relative to equity, although there could be potential risks if liabilities increase significantly.

Cash Flow

The cash flow statement reveals inconsistent free cash flow growth, with a recent decrease in free cash flow. The operating cash flow to net income ratio is relatively healthy, but the free cash flow to net income ratio indicates the need for improved cash flow conversion. Attention is needed to ensure healthy cash flow growth and liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.22B	2.64B	2.24B	1.58B	1.24B	1.30B
Gross Profit	1.76B	1.41B	1.28B	1.32B	1.18B	1.09B
EBITDA	741.60M	594.04M	480.32M	586.03M	484.81M	401.69M
Net Income	528.37M	441.24M	350.02M	431.68M	353.02M	286.50M
Balance Sheet
Total Assets	71.76B	50.41B	44.01B	38.51B	42.69B	33.13B
Cash, Cash Equivalents and Short-Term Investments	11.38B	16.33B	12.68B	8.69B	21.23B	12.84B
Total Debt	3.37B	3.00B	3.50B	2.60B	3.51B	2.59B
Total Liabilities	64.47B	46.94B	40.91B	35.85B	39.55B	30.11B
Stockholders Equity	7.29B	3.47B	3.10B	2.67B	3.15B	3.02B
Cash Flow
Free Cash Flow	665.62M	201.08M	445.69M	717.84M	500.39M	313.38M
Operating Cash Flow	705.18M	225.29M	472.60M	769.55M	534.08M	373.60M
Investing Cash Flow	-3.64B	-3.26B	-1.27B	-3.85B	-4.24B	-4.49B
Financing Cash Flow	8.92B	5.96B	4.77B	-4.58B	9.42B	5.95B

UMB Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 112.44
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 112.44 is below the 20-day moving average (MA) of 114.87, below the 50-day MA of 118.27, and above the 200-day MA of 108.44, indicating a neutral trend. The MACD of -1.84 indicates Positive momentum. The RSI at 43.62 is Neutral, neither overbought nor oversold. The STOCH value of 51.92 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
UMBF	―	$8.62B	13.04	10.05%	1.42%	30.40%	12.40%
WTFC	―	$8.64B	11.86	11.69%	1.51%	3.61%	13.93%
CMA	―	$9.98B	14.96	9.64%	3.64%	-7.07%	30.91%
ONB	―	$8.25B	12.37	20.76%	2.69%	20.72%	3.63%
BPOP	―	$7.69B	10.08	13.05%	2.53%	5.87%	53.36%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ZION	―	$7.84B	9.50	12.75%	3.29%	0.12%	27.77%

UMB Financial Corporate Events

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.

UMB Financial Reports Strong Q2 2025 Earnings Growth

On July 29, 2025, UMB Financial Corporation announced its second quarter 2025 financial results, highlighting a significant increase in net income available to common shareholders to $215.4 million, a 112.5% rise compared to the previous year. This growth was driven by strong balance sheet expansion, improved asset quality, and successful integration of the Heartland Financial acquisition. The company also declared dividends for both common and preferred stock, reflecting its robust financial performance and commitment to shareholder returns.

The most recent analyst rating on (UMBF) stock is a Hold with a $105.00 price target. To see the full list of analyst forecasts on UMB Financial stock, see the UMBF Stock Forecast page.