UMB Financial Corporation UMBF

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138.51 USD +2.42 (+1.78%)

At closeNov 4, 2026, 4:00 PM EST

138.51 0.00 0.00%

After hours · Nov 4, 4:00 PM ET

137.67 Day range 141.79
103.38 52-week range 153.32
YTD
+20.40%
1 year
+30.33%
Market cap
10.52B
Revenue (ttm)
2.90B
Profit margin
35.61%
EPS (ttm)
13.22
Shares out
75.95M
P/E ratio
10.48
Forward P/E
9.79
Dividend
2.00 (1.46%)
Ex-dividend date
Dec 9, 2026
YTD return
+20.40%
1-year return
+30.33%
Volume
580.92K
Avg volume
612.63K
Open
139.91
Previous close
136.09
Day's range
137.67 – 141.79
52-week range
103.38 – 153.32
Beta
0.85
Analysts
Buy
Price target
160.94 (+16.2%)
Earnings date
Jan 26, 2027

2Y +27.35 (+24.63%)

100120140Jan 25Jun 25Nov 25Apr 26Aug 26138.39

Key statistics

Enterprise value
12.04B
PEG ratio
2.54
Price / sales
3.63
Price / book
1.39
Dividend yield
1.47%
Payout ratio
13.54%
Revenue growth
13.00%
Free cash flow
0
Total cash
2.41B
Total debt
3.81B
Return on equity
13.50%
Short % of float
6.32%
50-day average
135.41
200-day average
131.44

Financials — quick view

All financials
UMBF Revenue — quarterly 741.39M
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
UMBF Net income — quarterly 278.08M
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026
UMBF EPS — quarterly 3.58
2022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 20262026-Q3 2026

Earnings

UMBF recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Jan 26, 2027Dec 30, 20263.34———
Oct 27, 2026Sep 30, 20263.223.56+0.34+10.56%
Jul 28, 2026Jun 30, 20263.083.57+0.49+15.91%
Apr 28, 2026Mar 31, 20262.823.41+0.59+20.92%
Jan 27, 2026Dec 31, 20252.713.08+0.37+13.65%
Oct 28, 2025Sep 30, 20252.502.70+0.20+8.00%

Upgrades / downgrades

UMBF analyst upgrades and downgrades
DateFirmActionFromTo
Nov 3, 2026BarclaysmainOverweightOverweight
Oct 29, 2026CitigroupmainNeutralNeutral
Oct 29, 2026TD CowenmainBuyBuy
Oct 29, 2026Piper SandlermainOverweightOverweight
Oct 20, 2026Truist SecuritiesmainBuyBuy
Oct 9, 2026RBC CapitalmainOutperformOutperform

About UMB Financial Corporation

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, 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 banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, 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, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Sector
Financial Services
Industry
Banks - Regional
Country
United States
Website
umb.com

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Insider holders

UMBF insider holders
InsiderRelationLatest transactionDateShares held
GALLAGHER KEVIN CHARLESDirectorSaleJul 30, 202620,441
GRAVES GREGORY MDirectorPurchaseAug 31, 202640,463
JOHNSON SHANNON ANDRESENOfficerStock Award(Grant)Feb 8, 202633,131
KEMPER JOHN MARINERChief Executive OfficerStock GiftNov 1, 20260
MURPHY TIMOTHY R.DirectorStock Award(Grant)Apr 30, 202627,576
RINE JAMES DPresidentSaleJun 8, 202662,933

Institution ownership

UMBF institution ownership
Holder% heldSharesValueReported
Blackrock Inc.13.45%10,215,6511.41BJun 29, 2026
UMB Bank NA/MO6.16%4,674,963647.53MJun 29, 2026
Vanguard Portfolio Management LLC5.55%4,213,123583.56MJun 29, 2026
State Street Corporation5.44%4,133,285572.50MJun 29, 2026
Vanguard Capital Management LLC4.12%3,130,338433.58MJun 29, 2026
Dimensional Fund Advisors LP3.99%3,030,849419.80MJun 29, 2026

Fund ownership

UMBF fund ownership
Holder% heldSharesValueReported
iShares Trust-iShares Core S&P Mid-Cap ETF3.38%2,570,101355.98MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund2.86%2,171,089300.72MJun 29, 2026
iShares Trust-iShares Russell 2000 ETF2.54%1,926,242266.80MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund2.06%1,567,528217.12MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Value Index Fund1.31%993,420137.60MJun 29, 2026
Vanguard Explorer Fund1.21%921,703127.67MJul 30, 2026