UMBF
BULLISH
$123.04
Live
UMB Financial Corporation · NASDAQ
Target $142.83
(+16.1%)
$90.96
52W Range
$136.11
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 22, 2026
Market cap
$9.37B
P/E
13.37
ROE
12.6%
Profit margin
28.1%
Debt/Equity
N/A
Dividend yield
1.4%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
UMBF presents a compelling value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a current price ($123.04) trading significantly below both its Graham Number ($142.0) and Intrinsic Value ($238.28). The company is demonstrating explosive top-line momentum with 67.6% YoY revenue growth and a highly consistent track record of earnings beats over the last 25 quarters. While insider selling and a bearish technical trend create short-term friction, the low Forward P/E of 9.33 and a conservative dividend payout ratio of 17.55% indicate strong fundamental health and growth potential. The valuation gap suggests the market is underpricing the company's current growth trajectory.
Key Strengths
Significant undervaluation relative to Graham Number ($142) and Intrinsic Value ($238.28)
Explosive revenue growth (67.6% YoY and 68.67% Q/Q)
Exceptional earnings track record with 3/4 recent beats and consistent positive surprises
Strong profitability metrics including a 12.59% ROE and 28.12% profit margin
Very low dividend payout ratio (17.55%), providing ample room for future dividend increases
Key Risks
Bearish insider sentiment, specifically recent sales by the CEO and a Director
Technical trend is currently 0/100, indicating strong short-term bearish momentum
PEG ratio of 2.54 suggests that earnings growth may not be keeping pace with the valuation premium relative to growth
Piotroski F-Score of 4/9 is only 'Stable', suggesting room for improvement in operational efficiency
Exposure to regional banking sector volatility and interest rate sensitivity
AI Fair Value Estimate
Based on comprehensive analysis
$165.5
+34.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
78
Strong
92
88
95
55
60
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, Hyper-growth in revenue, Consistent earnings outperformance
Confidence
90%
Value
92/100
Ref P/E, PEG, Graham Number
Positives
- Price < Graham Number
- Low Forward P/E (9.33)
- P/B ratio of 1.26 is reasonable for the sector
Watchpoints
- PEG ratio is slightly elevated
Future
88/100
Ref Growth rates
Positives
- 67.6% YoY Revenue Growth
- 79.5% Q/Q Earnings Growth
Watchpoints
- Sustainability of hyper-growth in regional banking
Past
95/100
Ref Historical trends
Positives
- Consistent earnings beats over 25 quarters
- Strong 3Y price change (+122.5%)
Watchpoints
No urgent risks highlighted.
Health
55/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Stable Piotroski score (4/9)
Watchpoints
- Piotroski score is not in the 'Strong' range
- Altman Z-Score not applicable for banking structure
Dividend
60/100
Ref Yield, Payout
Positives
- Very low payout ratio (17.55%)
Watchpoints
- Low dividend yield (1.40%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$123.04
Analyst Target
$142.83
Upside/Downside
+16.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for UMBF and closest competitors.
Updated 2026-04-21
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
UMBF
UMB Financial Corporation
Primary
|
+47.3% | +122.5% | +38.1% | +10.8% | +10.7% | +2.0% |
|
ONB
Old National Bancorp
Peer
|
+48.8% | +92.4% | +27.0% | +16.4% | +10.3% | +1.4% |
|
FRHC
Freedom Holdings Corp.
Peer
|
+190.3% | +116.4% | +16.4% | -11.5% | +13.8% | -0.3% |
|
AMG
Affiliated Managers Group, Inc.
Peer
|
+181.7% | +94.2% | +71.8% | +48.2% | +9.8% | -1.9% |
|
SEIC
SEI Investments Company
Peer
|
+36.4% | +41.2% | +12.7% | -0.6% | +2.9% | +3.6% |
UMB
UMB Financial Corporation
Primary
5Y
+47.3%
3Y
+122.5%
1Y
+38.1%
6M
+10.8%
1M
+10.7%
1W
+2.0%
ONB
Old National Bancorp
Peer
5Y
+48.8%
3Y
+92.4%
1Y
+27.0%
6M
+16.4%
1M
+10.3%
1W
+1.4%
FRH
Freedom Holdings Corp.
Peer
5Y
+190.3%
3Y
+116.4%
1Y
+16.4%
6M
-11.5%
1M
+13.8%
1W
-0.3%
AMG
Affiliated Managers Group, Inc.
Peer
5Y
+181.7%
3Y
+94.2%
1Y
+71.8%
6M
+48.2%
1M
+9.8%
1W
-1.9%
SEI
SEI Investments Company
Peer
5Y
+36.4%
3Y
+41.2%
1Y
+12.7%
6M
-0.6%
1M
+2.9%
1W
+3.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.37
Forward P/E
9.33
PEG Ratio
2.54
P/B Ratio
1.26
P/S Ratio
3.75
EV/Revenue
4.3
EV/EBITDA
N/A
Market Cap
$9.37B
Profitability
Profit margins and return metrics
Profit Margin
28.12%
Operating Margin
42.96%
Gross Margin
N/A
ROE
12.59%
ROA
1.14%
Growth
Revenue and earnings growth rates
Revenue Growth
+67.6%
Earnings Growth
+12.6%
Q/Q Revenue Growth
+68.67%
Q/Q Earnings Growth
+79.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$38.42
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.7B
Net Margin
32.4%
Total Assets
$73.1B
Liabilities
$65.4B
Equity
$7.7B
Debt/Equity
8.50x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
90%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-28
$N/A
2026-01-27
$2.74
+10.8% surprise
2025-10-27
$2.7
+8.0% surprise
2025-07-29
$2.96
+24.6% surprise
Financial Services Sector Comparison
Comparing UMBF against 586 companies in the Financial Services sector
(108 bullish, 244 neutral, 234 bearish)
P/E Ratio
13.37
This Stock
vs
41.27
Sector Avg
-67.6%
(Discount)
Return on Equity (ROE)
12.59%
This Stock
vs
-0.07%
Sector Avg
-17296.0%
(Below Avg)
Profit Margin
28.12%
This Stock
vs
47.24%
Sector Avg
-40.5%
(Weaker)
Revenue Growth
67.6%
This Stock
vs
38.08%
Sector Avg
+77.5%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
UMBF
UMB Financial Corporation
|
BULLISH | $9.37B | 13.37 | 12.6% | 28.1% | $123.04 | |
|
ONB
Old National Bancorp
|
BULLISH | $9.26B | 13.58 | 9.0% | 29.1% | $23.77 | Compare |
|
FRHC
Freedom Holdings Corp.
|
BEARISH | $9.25B | 7557.5 | 0.2% | 0.2% | $151.15 | Compare |
|
AMG
Affiliated Managers Group, Inc.
|
BULLISH | $9.09B | 19.73 | 16.2% | 26.0% | $319.82 | Compare |
|
SEIC
SEI Investments Company
|
NEUTRAL | $9.75B | 14.17 | 29.0% | 31.1% | $79.79 | Compare |
UMBF
UMB Financial Corporation
BULLISH
Mkt Cap
$9.4B
P/E
13.4
ROE
12.6%
Price
$123.04
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-09 | BEAIRD ROBERT BRIAN | Officer | Stock Award | 1,383 | - |
| 2026-02-09 | ODGERS DAVID CARL | Officer | Stock Award | 405 | - |
| 2026-02-09 | HARRIS AMY | Officer | Stock Award | 1,425 | - |
| 2026-02-09 | WILSON UMA | Officer | Stock Award | 1,855 | - |
| 2026-02-09 | MASON PHILLIP JAMES | Officer | Stock Award | 1,691 | - |
| 2026-02-09 | LEWIS ELIZABETH THERESA | Officer | Stock Award | 1,618 | - |
| 2026-02-09 | JOHNSON SHANNON ANDRESEN | Officer | Stock Award | 2,559 | - |
| 2026-02-09 | TERRY THOMAS S | Officer | Stock Award | 1,634 | - |
| 2026-02-09 | KEMPER JOHN MARINER | Chief Executive Officer | Stock Award | 16,510 | - |
| 2026-02-09 | SHANKAR RAM | Chief Financial Officer | Stock Award | 3,136 | - |
| 2026-02-09 | RINE JAMES D | President | Stock Award | 5,523 | - |
| 2026-02-09 | NEWTON NIKKI FARENTINO | Officer | Stock Award | 1,634 | - |
| 2026-02-03 | GALLAGHER KEVIN CHARLES | Director | Sale | 388 | $50,168 |
| 2026-02-02 | KEMPER JOHN MARINER | Chief Executive Officer | Sale | 18,714 | $2,408,024 |
| 2026-02-02 | GRAVES GREGORY M | Director | Purchase | 220 | $28,125 |
BEAIRD ROBERT BRIAN
Officer
2026-02-09
1,383 shares
ODGERS DAVID CARL
Officer
2026-02-09
405 shares
HARRIS AMY
Officer
2026-02-09
1,425 shares
WILSON UMA
Officer
2026-02-09
1,855 shares
MASON PHILLIP JAMES
Officer
2026-02-09
1,691 shares
LEWIS ELIZABETH THERESA
Officer
2026-02-09
1,618 shares
JOHNSON SHANNON ANDRESEN
Officer
2026-02-09
2,559 shares
TERRY THOMAS S
Officer
2026-02-09
1,634 shares
KEMPER JOHN MARINER
Chief Executive Officer
2026-02-09
16,510 shares
SHANKAR RAM
Chief Financial Officer
2026-02-09
3,136 shares
RINE JAMES D
President
2026-02-09
5,523 shares
NEWTON NIKKI FARENTINO
Officer
2026-02-09
1,634 shares
GALLAGHER KEVIN CHARLES
Director
2026-02-03
388 shares
·
$50,168
KEMPER JOHN MARINER
Chief Executive Officer
2026-02-02
18,714 shares
·
$2,408,024
GRAVES GREGORY M
Director
2026-02-02
220 shares
·
$28,125
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
12 analysts
Morgan Stanley
2026-03-31
Overweight
Overweight
Truist Securities
2026-03-23
Buy
Buy
Morgan Stanley
2026-03-02
Overweight
Overweight
Citigroup
2026-01-30
Neutral
Neutral
Piper Sandler
2026-01-29
Overweight
Overweight
Keefe, Bruyette & Woods
2026-01-29
Outperform
Outperform
TD Cowen
2026-01-07
Buy
Buy
RBC Capital
2025-11-06
Sector Perform
Outperform
TD Cowen
2025-10-30
Buy
Buy
Raymond James
2025-10-30
Strong Buy
Strong Buy
Past News Coverage
Recent headlines mentioning UMBF from our newsroom.
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