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UMBFO

NEUTRAL
$26.19 Live
UMB Financial Corporation · NASDAQ
$25.1 52W Range $28.05
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Ownership SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 22, 2026
Market cap
N/A
P/E
N/A
ROE
12.6%
Profit margin
28.1%
Debt/Equity
N/A
Dividend yield
7.4%

AI Analysis

AI-powered fundamental assessment

Confidence
70%
UMBFO presents a contradictory profile, anchored by a stable Piotroski F-Score of 4/9 and an extremely low Price-to-Book ratio of 0.27. While the company exhibits explosive revenue growth (67.6% YoY) and a healthy ROE of 12.59%, these fundamentals are offset by a completely bearish technical trend (0/100) and weak insider sentiment. The massive discrepancy between the book value and market price suggests either a significant value opportunity or a severe market-perceived risk not captured in the basic metrics.

Key Strengths

Exceptional Revenue Growth (67.6% YoY)
Strong Profitability (28.12% Profit Margin)
Healthy Return on Equity (12.59%)
Attractive Dividend Yield (7.40%)
Significant undervaluation relative to Book Value (P/B 0.27)

Key Risks

Severe Bearish Technical Trend (0/100)
Weak Insider Sentiment (40/100)
Piotroski F-Score is only mediocre (4/9), indicating stable but not strong health
Potential 'Value Trap' indicated by the extreme P/B discrepancy
Lack of analyst coverage and target price guidance
AI Fair Value Estimate
Based on comprehensive analysis
$27.5
+5.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
68
Strong
Value
90
Future
85
Past
50
Health
55
Dividend
60
AI Verdict
Cautious Hold
Key drivers: Extreme P/B undervaluation, High revenue growth, Zero technical momentum, Stable but non-strong financial health
Confidence
70%
Value
90/100

Ref P/B 0.27

Positives
  • P/B of 0.27 is exceptionally low for a bank with positive ROE
Watchpoints
  • Missing P/E and Graham Number for cross-verification
Future
85/100

Ref Growth rates

Positives
  • 67.6% YoY Revenue Growth
  • 79.5% Q/Q Earnings Growth
Watchpoints
  • Sustainability of such high growth in regional banking is questionable
Past
50/100

Ref Historical trends

Positives
  • Positive 1Y change of 10.1%
Watchpoints
  • Stagnant 6M performance (+0.3%)
Health
55/100

Ref Piotroski F-Score

Positives
  • Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
  • Altman Z-Score missing; F-Score is far from 'Strong' (7-9)
Dividend
60/100

Ref Yield

Positives
  • High yield of 7.40%
Watchpoints
  • Dividend Strength score is low (40/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$26.19

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for UMBFO and closest competitors.

Updated 2026-04-21
UMB
UMB Financial Corporation
Primary
5Y
+10.1%
3Y
+10.1%
1Y
+10.1%
6M
+0.3%
1M
+2.9%
1W
+0.7%

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
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.27
P/S Ratio
N/A
EV/Revenue
1.35
EV/EBITDA
N/A
Market Cap
N/A

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%

Financial Services Sector Comparison

Comparing UMBFO against 586 companies in the Financial Services sector (108 bullish, 244 neutral, 234 bearish)
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)

Ownership Structure

Institutional and insider holdings breakdown

Ownership Breakdown

Top Institutional Holders

Thurston, Springer, Miller, Herd & Titak, Inc.
2,300 shares • 2025-12-31
PNC Financial Services Group, Inc.
211 shares • 2025-12-31

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-03-12

UMBFO filed a definitive proxy statement on March 12, 2026, providing shareholders with necessary information to vote at the company's annual meeting.

10-K
10-K
2026-02-26

UMBFO filed its annual 10-K report on February 26, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures.

8-K
8-K
2026-02-10

UMB Financial Corporation filed an 8-K on February 10, 2026, likely to announce its financial results for the preceding fiscal period.

8-K
FORM 8-K
2026-01-27

UMB Financial Corporation likely reported its fourth-quarter and full-year financial results.

10-Q
10-Q
2025-10-30

UMBFO filed its 10-Q on October 30, 2025. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K
8-K
2025-10-28

UMB Financial Corporation likely reported its third-quarter financial results.

8-K
8-K
2025-08-27
10-Q
10-Q
2025-07-31

UMBFO submitted its 10-Q filing on July 31, 2025, which includes a section for risk factors under Item 1A. No specific financial highlights or detailed risk descriptions were provided in the available excerpts.

8-K
8-K
2025-07-29

UMB Financial Corporation filed an 8-K on July 29, 2025, likely to announce its second-quarter financial results.

8-K
8-K
2025-07-15

UMB Financial Corporation filed an 8-K on July 15, 2025, likely to announce its second-quarter financial results.

8-K
8-K
2025-06-12
8-K
8-K
2025-06-12
8-K
8-K
2025-05-30
10-Q
10-Q
2025-05-02
8-K
8-K
2025-05-02
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning UMBFO from our newsroom.

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