Skip to content
Company Analysis

UMB Financial Corporation UMBF

A comprehensive view of key metrics, scores, and financial health for UMB Financial Corporation

Overview of UMB Financial Corporation

UMBF NMS
Financial Services Banks - Regional Mid Cap
UMB Financial Corporation (UMBF), is a Mid Cap company, in the Banks - Regional industry, last closed at $124.16, about 22.0% overvalued vs fair value, +32.5% 1Y return, ranked 569/1037 in sector.
Metrics Rev Growth 203.0% ROE 12.6% Gross Margin 54.4%
$124.16
0.96%
As of April 28, 2026
Previous close • Vol 90d: 26.7%
52-Week Range
Market Cap
$9.45B
Enterprise Value
$12.30B
Overall Score
View breakdown
Overall
Growth
Excellent
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Excellent
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.umb.com
HQ Kansas City, MO
Employees 5,222
Fiscal year Dec 31

Next Events

Dividend Apr 1
Earnings Apr 28 Estimated

Fair Value Snapshot

Bear Base Bull
$54
$97
$181
Current: $124.16 -22% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.2B
18.1%%
Interest Expense
$1.5B
Net Interest Income
$1.0B
8.8%%
Total Revenue
$4.4B
202.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$84.9M
19.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
Upgrade to view details
Premium
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating UMB Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
64
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing UMBF's balance between Growth (44.7%), Profitability (22.7%), and Safety (32.7%). Growth 45% Safety 33% Profitability 23%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

83th percentile vs peers
83
Key Signals
Asset Growth YoY 45.0% 97p NII Growth YoY 8.8% 76p EPS Growth YoY 25.3% 78p Equity Growth YoY 11.8% 75p
Strengths
  • Growth performance in top 20% of peers (percentile: 83)
  • Asset Growth YoY in top 20% of peers (45.0%, 97th percentile)
  • Financial Leverage in top 20% of peers (14.38, 93th percentile)
  • Cash & Securities to Assets in top 20% of peers (28.5%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

42th percentile vs peers
42
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

60th percentile vs peers
61
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for UMB Financial Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$96.86
- - -
-22.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info