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UMBF

UMB Financial Corporation

Financial Services · USD

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Price alert · UMBF

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134.47 USD -1.69 -1.24%
As of Oct 30, 2026 Extended hours 134.47 0.00%
Bid
134.42 × 2
Ask
134.55 × 2
133.34 Day range 136.55
103.99 52-week range 152.04
YTD
+16.89%
1 year
+25.07%
Open
136.20
Prev close
136.16
Mkt cap
10.21B
Vol
616.13K
Avg vol
609.88K
EPS
13.22
P/E
10.17
Div yield
1.47%
More statistics
Low
133.34
High
136.55
Forward P/E
9.54
Beta
0.83
Short ratio
5.66
Inst. own
98.11%
Dividend
2.00
Ex-div date
Dec 9, 2026
Earnings
Jan 26, 2027
50-d avg
135.94
200-d avg
131.23
1y target
160.44

2Y chart

Chart tools
Interval
UMBF two-year price chart82.099.8117.7135.5153.3Oct 24Mar 25Aug 25Jan 26Jun 26Oct 26

Key statistics

Market cap
10.21B
Enterprise value
8.19B
Trailing P/E
10.17
Forward P/E
9.54
PEG ratio
2.54
Price / sales
3.52
Price / book
1.35
EPS (TTM)
13.22
Beta
0.83
Dividend yield
1.47%
Payout ratio
13.54%
Profit margin
35.61%
Revenue (TTM)
2.90B
Revenue growth
12.60%
Free cash flow
0
Total cash
6.01B
Total debt
3.57B
Return on equity
13.50%
Shares outstanding
75.95M
Short % of float
6.32%
50-day average
135.94
200-day average
131.23

Analyst view

Consensus: buy

Buy
Price target (mean) 160.44 +19.3% upside
Target (low)
145.00
Target (mean)
160.44
Target (high)
182.00
Ratings (0m) 16 13 buy · 3 hold · 0 sell
  • Strong buy7
  • Buy6
  • Hold3
  • Sell0
  • Strong sell0

Next earnings

Jan 26, 2027

Expected Jan 26, 2027. Consensus EPS estimate 3.29.

Earnings history

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, 20263.30———
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
Oct 29, 2026CitigroupmainNeutralNeutral
Oct 29, 2026TD CowenmainBuyBuy
Oct 29, 2026Piper SandlermainOverweightOverweight
Oct 20, 2026Truist SecuritiesmainBuyBuy
Oct 9, 2026RBC CapitalmainOutperformOutperform
Oct 5, 2026TD CowenmainBuyBuy

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 MDirectorStock Award(Grant)Apr 30, 202639,786
JOHNSON SHANNON ANDRESENOfficerStock Award(Grant)Feb 8, 202633,131
KEMPER JOHN MARINERChief Executive OfficerSaleAug 3, 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%10,215,6511.37BJun 29, 2026
UMB Bank NA/MO6.16%4,674,963628.64MJun 29, 2026
Vanguard Portfolio Management LLC5.55%4,213,123566.54MJun 29, 2026
State Street Corporation5.44%4,133,285555.80MJun 29, 2026
Vanguard Capital Management LLC4.12%3,130,338420.94MJun 29, 2026
Dimensional Fund Advisors LP3.99%3,030,849407.56MJun 29, 2026

Fund ownership

UMBF fund ownership
Holder% heldSharesValueReported
iShares Trust-iShares Core S&P Mid-Cap ETF3.38%2,570,101345.60MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund2.86%2,171,089291.95MJun 29, 2026
iShares Trust-iShares Russell 2000 ETF2.54%1,926,242259.02MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund2.06%1,567,528210.79MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Value Index Fund1.31%993,420133.59MJun 29, 2026
Fidelity Securities Fund-Fidelity Small Cap Value Fund1.25%950,602127.83MJul 30, 2026
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