UMBF Stock Analysis: UMB Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 10.142m USD | 12M Return: 16% | US9027881088 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 86.5M
EPS Trend: 81.5%
Qual. Beats: 2
Rev. Trend: 96.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
UMB Financial Corporation is a U.S.-based bank holding company founded in 1913 and headquartered in Kansas City, Missouri, operating through three core segments: Commercial Banking, Institutional Banking, and Personal Banking. Its Commercial Banking arm delivers lending, treasury management, and business solutions such as asset-based lending and mezzanine debt, while Institutional Banking focuses on fund administration, custody, corporate trust, and healthcare payment solutions for institutional clients. The Personal Banking segment provides retail deposit, mortgage, credit card, brokerage, and wealth management services through a branch and office network.
As a GICS-classified Regional Bank, UMBF operates under the supervisory framework applicable to U.S. bank holding companies, with consolidated subsidiaries subject to Federal Reserve and OCC oversight. A distinguishing feature of UMBFs business model is the depth of its asset servicing and institutional banking franchise-particularly fund administration, transfer agency, and healthcare payment processing-which provides fee-based revenue diversification beyond traditional net interest income that is common among regional commercial banks.
- Net interest margin expansion drives commercial banking revenue growth
- Institutional fund servicing fees scale on alternative investment market growth
- Commercial real estate portfolio faces credit quality scrutiny amid office sector stress
| Net Income: 942.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.54 > 1.0 |
| NWC/Revenue: -50.52% < 20% (prev -1.60k%; Δ 1.55k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.09b > Net Income 942.7m |
| Net Debt (2.78b) to EBITDA (1.16b): 2.40 < 3 |
| Current Ratio: 0.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (76.4m) vs 12m ago 0.20% < -2% |
| Gross Margin: 58.45% > 18% (prev 54.55%; Δ 3.90% > 0.5%) |
| Asset Turnover: 6.33% > 50% (prev 4.49%; Δ 1.84% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 1.01b / Interest Expense TTM 1.44b) |
| A: -0.03 (Total Current Assets 779.9m - Total Current Liabilities 3.08b) / Total Assets 72.3b |
| B: 0.06 (Retained Earnings 4.20b / Total Assets 72.3b) |
| C: 0.01 (EBIT TTM 1.01b / Avg Total Assets 72.0b) |
| D: 0.13 (Book Value of Equity 8.03b / Total Liabilities 64.2b) |
| Altman-Z'' = 0.21 = B |
As of September 27, 2026, the stock is trading at USD 135.82 with a total of 713,775 shares traded. Over the past week, the price has changed by +0.97%, over one month by -5.06%, over three months by -4.96% and over the past year by +15.98%.
Current recommended Stop Loss: 128.10 (which is 5.7% or 2.7 ATR below the current price).
UMB Financial has received a consensus analysts rating of 4.09. Therefore, it is recommended to buy UMBF.
- StrongBuy: 4
- Buy: 4
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 169.1 | 24.5% |
P/E Trailing = 11.0998
P/E Forward = 9.6432
P/S = 3.6041
P/B = 1.3206
P/EG = 2.5387
Revenue TTM = 4.56b USD
EBIT TTM = 1.01b USD
EBITDA TTM = 1.16b USD
Long Term Debt = 257.8m USD (from longTermDebt, last quarter)
Short Term Debt = 3.08b USD (from shortTermDebt, last quarter)
Debt = 3.56b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.78b USD (calculated: Debt 3.56b - CCE 779.9m)
Enterprise Value = 12.9b USD (10.1b + Debt 3.56b - CCE 779.9m)
Interest Coverage Ratio = 0.70 (Ebit TTM 1.01b / Interest Expense TTM 1.44b)
EV/FCF = 12.15x (Enterprise Value 12.9b / FCF TTM 1.06b)
FCF Yield = 8.23% (FCF TTM 1.06b / Enterprise Value 12.9b)
FCF Margin = 23.32% (FCF TTM 1.06b / Revenue TTM 4.56b)
Net Margin = 20.67% (Net Income TTM 942.7m / Revenue TTM 4.56b)
Gross Margin = 58.45% ((Revenue TTM 4.56b - Cost of Revenue TTM 1.89b) / Revenue TTM)
Gross Margin QoQ = 67.15% (prev 61.63%)
Tobins Q-Ratio = 0.18 (Enterprise Value 12.9b / Total Assets 72.3b)
Interest Expense / Debt = 40.40% (Interest Expense 1.44b / Debt 3.56b)
Taxrate = 20.69% (245.9m / 1.19b)
NOPAT = 800.1m (EBIT 1.01b * (1 - 20.69%))
Current Ratio = 0.25 (Total Current Assets 779.9m / Total Current Liabilities 3.08b)
Debt / Equity = 0.44 (Debt 3.56b / totalStockholderEquity, last quarter 8.03b)
Debt / EBITDA = 2.40 (Net Debt 2.78b / EBITDA 1.16b)
Debt / FCF = 2.62 (Net Debt 2.78b / FCF TTM 1.06b)
Total Stockholder Equity = 7.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.31% (Net Income 942.7m / Total Assets 72.3b)
RoE = 12.17% (Net Income TTM 942.7m / Total Stockholder Equity 7.75b)
RoCE = 12.60% (EBIT 1.01b / Capital Employed (Equity 7.75b + L.T.Debt 257.8m))
RoIC = 1.11% (NOPAT 800.1m / Invested Capital 72.0b)
WACC = 15.21% (E(10.1b)/V(13.7b) * Re(9.30%) + D(3.56b)/V(13.7b) * Rd(40.40%) * (1-Tc(0.21)))
Discount Rate = 9.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 90.47 | Cagr: 21.91%
[DCF] Terminal Value 58.98% ; FCFF base≈904.4m ; Y1≈1.04b ; Y5≈1.53b
[DCF] Fair Price = 98.61 (EV 10.3b - Net Debt 2.78b = Equity 7.49b / Shares 76.0m; r=15.21% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 81.49 | EPS CAGR: 13.35% | SUE: 1.42 | # QB: 2
Revenue Correlation: 96.92 | Revenue CAGR: 36.65% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.21 | Chg30d=+0.38% | Revisions=+0% | Analysts=16
EPS current Year (2026-12-31): EPS=13.25 | Chg30d=+0.30% | Revisions=+75% | GrowthEPS=+16.8% | GrowthRev=+11.4%
EPS next Year (2027-12-31): EPS=13.95 | Chg30d=-0.03% | Revisions=+58% | GrowthEPS=+5.2% | GrowthRev=+5.8%
[Analyst] Revisions Ratio: +52% (up=22, down=6)