(UMBF) UMB Financial - Ratings and Ratios
Banking, Loans, Asset_Servicing, Fund_Administration, Cards
UMBF EPS (Earnings per Share)
UMBF Revenue
Description: UMBF UMB Financial
UMB Financial Corporation is a bank holding company providing a wide range of banking services and asset servicing both domestically and internationally. The company operates through three main segments: Commercial Banking, Institutional Banking, and Personal Banking, offering diverse financial products and services including loans, credit cards, treasury management, asset-based lending, and investment advisory services.
From a business perspective, UMB Financial Corporation has demonstrated its ability to cater to various client needs, from commercial and institutional clients to individual customers. The companys comprehensive suite of services, including healthcare payment solutions and custodial services for health savings accounts, positions it well in the financial services market. Key Performance Indicators (KPIs) such as the efficiency ratio, return on assets (RoA), and the net interest margin (NIM) would provide further insights into the companys operational efficiency and profitability.
Analyzing the companys financial health, metrics like the loan-to-deposit ratio, capital adequacy ratio, and the provision for credit losses (PCL) are crucial. These indicators can help assess the companys lending practices, capital strength, and credit risk management. Given UMBFs Market Cap of $8.461 billion and a P/E ratio of 14.02, its essential to compare these metrics with industry averages to understand its relative valuation. The companys RoE of 9.71% suggests a decent return for shareholders, although this should be evaluated in the context of the current interest rate environment and overall market conditions.
To further evaluate UMB Financial Corporations investment potential, examining its revenue diversification, growth in deposits and loans, and the overall asset quality would be necessary. Additionally, comparing its valuation multiples with peers and assessing the dividend yield and payout ratio could provide a more comprehensive view of its attractiveness as an investment opportunity.
Additional Sources for UMBF Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
UMBF Stock Overview
Market Cap in USD | 8,351m |
Sector | Financial Services |
Industry | Banks - Regional |
GiC Sub-Industry | Regional Banks |
IPO / Inception | 1990-03-27 |
UMBF Stock Ratings
Growth Rating | 45.2 |
Fundamental | 65.8 |
Dividend Rating | 59.1 |
Rel. Strength | -7.01 |
Analysts | 4.09 of 5 |
Fair Price Momentum | 102.56 USD |
Fair Price DCF | 49.93 USD |
UMBF Dividends
Dividend Yield 12m | 1.49% |
Yield on Cost 5y | 3.49% |
Annual Growth 5y | 4.66% |
Payout Consistency | 98.1% |
Payout Ratio | 15.5% |
UMBF Growth Ratios
Growth Correlation 3m | 66.8% |
Growth Correlation 12m | 0.4% |
Growth Correlation 5y | 39.7% |
CAGR 5y | 18.95% |
CAGR/Max DD 5y | 0.38 |
Sharpe Ratio 12m | 0.23 |
Alpha | -6.06 |
Beta | 1.226 |
Volatility | 28.25% |
Current Volume | 855.1k |
Average Volume 20d | 499.7k |
Stop Loss | 105.1 (-3%) |
As of August 02, 2025, the stock is trading at USD 108.39 with a total of 855,112 shares traded.
Over the past week, the price has changed by +0.25%, over one month by +0.23%, over three months by +11.27% and over the past year by +12.51%.
Yes, based on ValueRay´s Fundamental Analyses, UMB Financial (NASDAQ:UMBF) is currently (August 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 65.83 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UMBF is around 102.56 USD . This means that UMBF is currently overvalued and has a potential downside of -5.38%.
UMB Financial has received a consensus analysts rating of 4.09. Therefore, it is recommended to buy UMBF.
- Strong Buy: 4
- Buy: 4
- Hold: 3
- Sell: 0
- Strong Sell: 0
According to our own proprietary Forecast Model, UMBF UMB Financial will be worth about 116.6 in August 2026. The stock is currently trading at 108.39. This means that the stock has a potential upside of +7.54%.
Issuer | Target | Up/Down from current |
---|---|---|
Wallstreet Target Price | 131.7 | 21.5% |
Analysts Target Price | 120.5 | 11.1% |
ValueRay Target Price | 116.6 | 7.5% |