UMBF Stock Analysis: UMB Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 10.926m USD | 12M Return: 35.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 99.1M
EPS Trend: 80.7%
Qual. Beats: 2
Rev. Trend: 96.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 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: 882.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.63 > 1.0 |
| NWC/Revenue: -1.44k% < 20% (prev -1.38k%; Δ -57.31% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.02b > Net Income 882.5m |
| Net Debt (3.29b) to EBITDA (1.09b): 3.03 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (76.3m) vs 12m ago 16.50% < -2% |
| Gross Margin: 56.67% > 18% (prev 51.98%; Δ 4.69% > 0.5%) |
| Asset Turnover: 6.28% > 50% (prev 4.10%; Δ 2.18% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBIT TTM 933.4m / Interest Expense TTM 1.48b) |
| A: -0.88 (Total Current Assets 735.8m - Total Current Liabilities 64.9b) / Total Assets 72.7b |
| B: 0.05 (Retained Earnings 3.96b / Total Assets 72.7b) |
| C: 0.01 (EBIT TTM 933.4m / Avg Total Assets 71.0b) |
| D: 0.12 (Book Value of Equity 7.83b / Total Liabilities 64.8b) |
| Altman-Z'' = -5.40 = D |
As of July 08, 2026, the stock is trading at USD 146.01 with a total of 1,009,348 shares traded. Over the past week, the price has changed by +2.83%, over one month by +13.46%, over three months by +26.00% and over the past year by +35.90%.
Current recommended Stop Loss: 141.20 (which is 3.3% or 1.3 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 | 151.6 | 3.8% |
P/E Trailing = 12.5809
P/E Forward = 11.6686
P/S = 3.9991
P/B = 1.4504
P/EG = 2.5387
Revenue TTM = 4.46b USD
EBIT TTM = 933.4m USD
EBITDA TTM = 1.09b USD
Long Term Debt = 256.0m USD (from longTermDebt, last quarter)
Short Term Debt = 3.55b USD (from shortTermDebt, last quarter)
Debt = 4.03b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.29b USD (calculated: Debt 4.03b - CCE 735.8m)
Enterprise Value = 14.2b USD (10.9b + Debt 4.03b - CCE 735.8m)
Interest Coverage Ratio = 0.63 (Ebit TTM 933.4m / Interest Expense TTM 1.48b)
EV/FCF = 14.50x (Enterprise Value 14.2b / FCF TTM 980.7m)
FCF Yield = 6.90% (FCF TTM 980.7m / Enterprise Value 14.2b)
FCF Margin = 21.99% (FCF TTM 980.7m / Revenue TTM 4.46b)
Net Margin = 19.79% (Net Income TTM 882.5m / Revenue TTM 4.46b)
Gross Margin = 56.67% ((Revenue TTM 4.46b - Cost of Revenue TTM 1.93b) / Revenue TTM)
Gross Margin QoQ = 61.63% (prev 66.42%)
Tobins Q-Ratio = 0.20 (Enterprise Value 14.2b / Total Assets 72.7b)
Interest Expense / Debt = 36.85% (Interest Expense 1.48b / Debt 4.03b)
Taxrate = 20.72% (230.7m / 1.11b)
NOPAT = 740.0m (EBIT 933.4m * (1 - 20.72%))
Current Ratio = 0.01 (Total Current Assets 735.8m / Total Current Liabilities 64.9b)
Debt / Equity = 0.51 (Debt 4.03b / totalStockholderEquity, last quarter 7.83b)
Debt / EBITDA = 3.03 (Net Debt 3.29b / EBITDA 1.09b)
Debt / FCF = 3.36 (Net Debt 3.29b / FCF TTM 980.7m)
Total Stockholder Equity = 7.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.24% (Net Income 882.5m / Total Assets 72.7b)
RoE = 11.67% (Net Income TTM 882.5m / Total Stockholder Equity 7.56b)
RoCE = 11.94% (EBIT 933.4m / Capital Employed (Equity 7.56b + L.T.Debt 256.0m))
RoIC = 1.02% (NOPAT 740.0m / Invested Capital 72.5b)
WACC = 14.99% (E(10.9b)/V(15.0b) * Re(9.75%) + D(4.03b)/V(15.0b) * Rd(36.85%) * (1-Tc(0.21)))
Discount Rate = 9.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 21.91%
[DCF] Terminal Value 59.50% ; FCFF base≈789.0m ; Y1≈904.5m ; Y5≈1.33b
[DCF] Fair Price = 76.81 (EV 9.13b - Net Debt 3.29b = Equity 5.84b / Shares 76.0m; r=14.99% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 80.68 | EPS CAGR: 11.57% | SUE: 1.69 | # QB: 2
Revenue Correlation: 96.74 | Revenue CAGR: 36.05% | SUE: 0.29 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.10 | Chg30d=+0.27% | Revisions=+25% | Analysts=12
EPS next Quarter (2026-09-30): EPS=3.18 | Chg30d=-0.02% | Revisions=+67% | Analysts=12
EPS current Year (2026-12-31): EPS=12.92 | Chg30d=+0.29% | Revisions=+25% | GrowthEPS=+13.8% | GrowthRev=+10.2%
EPS next Year (2027-12-31): EPS=13.70 | Chg30d=+0.03% | Revisions=+80% | GrowthEPS=+6.1% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: +83% (up=25, down=1)