UMB Financial Corp

UMB Financial Corp (UMBF) Stock Analysis

$144.585

+0.043 (+0.03%)At close

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High
145.640
Open
144.760
VWAP
144.71
Vol
467.73K
Mkt Cap
4.00B
Low
143.900
Amount
67.68M
EV/EBITDA, TTM
7.82

UMB Financial Corporation is a financial services company. Its segments include Commercial Banking, Institutional Banking, and Personal Banking. It offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. Commercial Banking serves the commercial banking and treasury management needs of its small to middle-market businesses through a variety of products and services. Institutional Banking is a combination of banking services, fund services, asset management services, and healthcare services provided to institutional clients. Personal Banking products include deposit accounts, retail credit cards, private banking, installment loans, home equity lines of credit, and residential mortgages.

www.umb.com

AI analysis of UMB Financial Corp (UMBF)

buy

UMB Financial Corp is a good buy right now due to its strong financial performance, evidenced by a 24.13% year-to-date change and a forward P/E ratio of 11.6959, which indicates it is undervalued compared to its growth potential. Additionally, the stock has a solid analyst price target range of $165 to $180, suggesting significant upside from the current price of $144.585. However, the recent insider sale of 4,145 shares, representing a 17% reduction in holdings, raises some caution about potential short-term volatility.

Analyst Ratings (7)

-1.88% downside
Hold
2 Buy
5 Hold
0 Sell
Current: 144.59
Low
130.00
Average
141.86
High
155.00

Truist

2026-08-04

Price Target

$170

Buy

Barclays

2026-08-03

Price Target

$175

Overweight

Citi

2026-07-31

Price Target

$162

Neutral

RBC Capital

2026-07-30

Price Target

$170

Outperform

TD Cowen

2026-07-30

Price Target

$166

Buy

Valuation Metrics

The current forward P/E ratio for UMB Financial Corp (UMBF) is 11.70, compared to its 5-year average forward P/E of 11.02.

Forward P/E

Fair
5Y Average P/E
11.02
Current P/E
11.70
Overvalued
12.71
Undervalued
9.33

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
1.42
Current EV/EBITDA
7.82
Overvalued
5.30
Undervalued
-2.47

Forward P/S

Overvalued
5Y Average P/S
2.85
Current P/S
3.48
Overvalued
3.34
Undervalued
2.37

Alphio AI Price Scenarios for UMBF

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%UMBF

$148.20

Scenario price

B

Base

Base · 50%UMBF

$139.64

Scenario price

B

Bear

Bear · 25%UMBF

$128.62

Scenario price

Whales holding UMBF

N

NFJ Investment Group, LLC

+ HoldingUMBF

+6.30%

3M Return

J

Junto Capital Management LP

+ HoldingUMBF

+5.28%

3M Return

E

Emerald Advisers, LLC

+ HoldingUMBF

-6.34%

3M Return

UMBF FAQ — answered by Alphio AI

UMB Financial Corporation is a financial services company. Its segments include Commercial Banking, Institutional Banking, and Personal Banking. It offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. Commercial Banking serves the commercial banking and treasury management needs of its small to middle-market businesses through a variety of products and services. Institutional Banking is a combination of banking services, fund services, asset management services, and healthcare services provided to institutional clients. Personal Banking products include deposit accounts, retail credit cards, private banking, installment loans, home equity lines of credit, and residential mortgages. It operates in the Financials sector (NATIONAL COMMERCIAL BANKS industry).

UMB Financial Corp is a good buy right now due to its strong financial performance, evidenced by a 24.13% year-to-date change and a forward P/E ratio of 11.6959, which indicates it is undervalued compared to its growth potential. Additionally, the stock has a solid analyst price target range of $165 to $180, suggesting significant upside from the current price of $144.585. However, the recent insider sale of 4,145 shares, representing a 17% reduction in holdings, raises some caution about potential short-term volatility.

7 analysts cover UMBF: 2 rate it Buy, 5 Hold and 0 Sell. The average price target is 141.86.

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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