UMB Financial (UMBF) Stock Insights

UMBF price $132.09 -1.71 -1.28%

Ticker
UMBF
Price
$132.09
Change
-1.71 -1.28%
Market cap ?
$10.03B
P/E ?
11.22
Forward P/E ?
9.96
Dividend yield ?
1.32%
Beta ?
0.83
Sector
Financial Services
Industry
Banks - Regional
Stocklytics score
53
Value
63
Quality
50
Growth
46

Stocklytics score rationale: value 63, quality 50, growth 46.

Financials

2016201720182019202020212022202320242025
86878000097867200010691680001219714000129548800012419890001583159000224449000026369620004443743000

UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business…

Fair value

UMBF fair value Not meaningful. Price $132.09.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

No estimate. Cash-flow models don't suit banks

Compare UMBF

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2027-01-26—3.30—758.92M
2026-10-273.563.22772.39M744.81M
2026-07-283.573.08778.00M727.63M
2026-04-283.412.82739.16M701.79M
2026-01-273.082.71720.87M677.77M
2025-10-282.702.501.09B661.56M
2025-07-292.962.37633.21M652.00M
2025-04-292.582.19510.19M559.01M
2025-01-282.492.25394.22M412.27M
2024-10-292.192.20363.94M398.93M
2024-07-302.072.01348.51M384.94M
2024-04-292.251.76360.18M368.03M
2024-01-302.291.76334.83M360.69M
2023-10-241.981.77320.74M363.98M
2023-07-251.851.93328.81M375.71M
2023-04-251.901.86341.52M368.68M
2023-01-242.061.99339.75M371.17M
2022-10-251.812.15401.61M371.75M
2022-07-262.831.90401.13M347.53M
2022-04-262.171.67320.47M332.57M
2022-01-251.611.85316.42M329.09M
2021-10-261.941.80307.88M324.30M
2021-07-271.791.78323.19M324.30M
2021-04-271.911.44294.50M309.32M
2021-01-263.261.48416.46M563.63M
2020-10-271.521.02279.73M132.21M
2020-07-281.260.37280.53M87.71M
2020-04-28-0.040.89291.58M3.39B
2020-01-281.351.17265.31M245.02M
2019-10-291.271.17253.63M250.49M
2019-07-301.161.16254.01M271.81M
2019-04-231.181.10254.77M252.86M
2019-01-290.521.11281.45M331.56M
2018-10-231.161.13234.64M244.90M
2018-07-241.111.14261.07M257.27M
2018-04-241.141.05237.66M233.39M
2018-01-231.010.91236.74M234.81M
2017-10-240.970.92228.88M232.56M
2017-07-250.900.93245.74M267.86M
2017-04-250.890.85223.13M226.54M

Dividends

Yield 1.36%. Payout ratio 14.76%. Frequency Quarterly.

Safety score 78/100 · Safe. Payout ratio is 15% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. Dividends were paid in 43 separate years. Yield is 1.4%, which is modest.

Ex-dateDividendRecordPaymentFrequency
2026-09-10$0.502026-09-102026-10-01Quarterly
2026-06-10$0.432026-06-102026-07-01Quarterly
2026-03-10$0.432026-03-102026-04-01Quarterly
2025-12-10$0.432025-12-102026-01-02Quarterly
2025-09-10$0.402025-09-102025-10-01Quarterly
2025-06-10$0.402025-06-102025-07-01Quarterly
2025-03-10$0.402025-03-102025-04-01Quarterly
2024-12-10$0.402024-12-102025-01-02Quarterly
2024-09-10$0.392024-09-102024-10-01Quarterly
2024-06-10$0.392024-06-102024-07-01Quarterly
2024-03-08$0.392024-03-112024-04-01Quarterly
2023-12-08$0.392023-12-112024-01-02Quarterly
2023-09-08$0.382023-09-112023-10-02Quarterly
2023-06-09$0.382023-06-122023-07-03Quarterly
2023-03-09$0.382023-03-102023-04-03Quarterly
2022-12-09$0.382022-12-122023-01-03Quarterly
2022-09-09$0.372022-09-122022-10-03Quarterly
2022-06-09$0.372022-06-102022-07-01Quarterly
2022-03-09$0.372022-03-102022-04-01Quarterly
2021-12-09$0.372021-12-102022-01-03Quarterly
2021-09-09$0.372021-09-102021-10-01Quarterly
2021-06-09$0.322021-06-102021-07-01Quarterly
2021-03-09$0.322021-03-102021-04-01Quarterly
2020-12-09$0.322020-12-102021-01-04Quarterly
2020-09-09$0.312020-09-102020-10-01Quarterly
2020-06-09$0.312020-06-102020-07-01Quarterly
2020-03-09$0.312020-03-102020-04-01Quarterly
2019-12-09$0.312019-12-102020-01-02Quarterly
2019-09-09$0.302019-09-102019-10-01Quarterly
2019-06-07$0.302019-06-102019-07-01Quarterly
2019-03-08$0.302019-03-112019-04-01Quarterly
2018-12-07$0.302018-12-102019-01-02Quarterly
2018-09-07$0.292018-09-102018-10-01Quarterly
2018-06-08$0.292018-06-112018-07-02Quarterly
2018-03-08$0.292018-03-092018-04-02Quarterly
2017-12-07$0.282017-12-082018-01-02Quarterly
2017-09-07$0.262017-09-082017-10-02Quarterly
2017-06-07$0.262017-06-092017-07-03Quarterly
2017-03-08$0.262017-03-102017-04-03Quarterly
2016-12-07$0.262016-12-092017-01-03Quarterly
2016-09-07$0.242016-09-092016-10-03Quarterly
2016-06-08$0.242016-06-102016-07-01Quarterly
2016-03-08$0.242016-03-102016-04-01Quarterly
2015-12-08$0.242015-12-102016-01-04Quarterly
2015-09-08$0.232015-09-102015-10-01Quarterly
2015-06-08$0.232015-06-102015-07-01Quarterly
2015-03-06$0.232015-03-102015-04-01Quarterly
2014-12-08$0.232014-12-102015-01-02Quarterly
2014-09-08$0.232014-09-102014-10-01Quarterly
2014-06-06$0.232014-06-102014-07-01Quarterly
2014-03-06$0.232014-03-102014-04-01Quarterly
2013-12-06$0.232013-12-102014-01-02Quarterly
2013-09-06$0.212013-09-102013-10-01Quarterly
2013-06-05$0.212013-06-072013-07-01Quarterly
2013-03-06$0.212013-03-082013-04-01Quarterly
2012-12-06$0.212012-12-102012-12-28Quarterly
2012-09-06$0.202012-09-102012-10-01Quarterly
2012-06-06$0.202012-06-082012-07-02Quarterly
2012-03-07$0.202012-03-092012-04-02Quarterly
2011-12-07$0.202011-12-092012-01-03Quarterly
2011-09-07$0.202011-09-092011-10-03Quarterly
2011-06-08$0.202011-06-102011-07-01Quarterly
2011-03-09$0.202011-03-112011-04-01Quarterly
2010-12-08$0.202010-12-102010-12-30Quarterly
2010-09-08$0.182010-09-102010-10-01Quarterly
2010-06-09$0.182010-06-112010-07-01Quarterly
2010-03-09$0.182010-03-112010-04-01Quarterly
2009-12-09$0.182009-12-112010-01-04Quarterly
2009-09-08$0.172009-09-102009-10-01Quarterly
2009-06-09$0.172009-06-112009-07-01Quarterly
2009-03-09$0.172009-03-112009-04-01Quarterly
2008-12-09$0.172008-12-112009-01-02Quarterly
2008-09-08$0.172008-09-102008-10-01Quarterly
2008-06-09$0.172008-06-112008-07-01Quarterly
2008-03-07$0.152008-03-112008-04-01Quarterly
2007-12-07$0.152007-12-112008-01-02Quarterly
2007-09-10$0.142007-09-122007-10-01Quarterly
2007-06-07$0.142007-06-112007-07-02Quarterly
2007-03-08$0.142007-03-122007-04-02Quarterly
2006-12-08$0.132006-12-122007-01-02Quarterly

Insider trades

DateInsiderActionSharesPriceValue
2026-09-01Peterman TamaraBuy394$139.6055.01K
2026-09-01GRAVES GREG MBuy573$139.6080.01K
2026-08-17Terry Thomas SSell5.71K$151.77867.06K
2026-08-17Shankar RamSell2.00K$151.61303.22K
2026-08-06Murphy Susan GSell475$145.6669.19K
2026-08-06Murphy Susan GSell902$145.50131.24K
2026-08-05Odgers David CarlSell145$147.3021.36K
2026-08-04KEMPER J MARINERSell15.06K$148.552.24M
2026-08-04Wilson UmaSell4.14K$148.00613.46K
2026-08-04Newton Nikki FarentinoSell2.00K$148.60297.05K
2026-08-04Newton Nikki FarentinoSell1$148.72149
2026-08-04Mason Phillip JamesSell800$147.00117.60K
2026-08-03KEMPER J MARINERBuy9.76K——
2026-08-03KEMPER J MARINERSell4.20K$147.27618.53K
2026-07-31Beaird Robert BrianSell1.60K$144.40231.04K
2026-07-31Gallagher Kevin CharlesSell360$145.1352.25K
2026-06-10Gallagher Kevin CharlesSell381$132.8850.63K
2026-06-10Wilson UmaBuy922$75.2569.38K
2026-06-10Wilson UmaSell922$133.05122.67K
2026-06-10Wilson UmaSell922$75.2569.38K
2026-06-09Rine James DSell7.17K$132.49950.22K
2026-06-09Rine James DSell1.07K$133.22143.08K
2026-05-01Murphy Timothy R.Buy116$129.2414.99K
2026-05-01SCHMIDT JOHN KBuy116$129.2414.99K
2026-05-01Williams Leroy James JrBuy116$129.2414.99K
2026-05-01SOSLAND L JOSHUABuy116$129.2414.99K
2026-05-01ROBBINS KRIS ABuy116$129.2414.99K
2026-05-01Peterman TamaraBuy116$129.2414.99K
2026-05-01Murphy Susan GBuy116$129.2414.99K
2026-05-01Lazo MargaretBuy116$129.2414.99K
2026-05-01Gordon Lansford E.Buy116$129.2414.99K
2026-05-01Hopkins Jennifer KBuy116$129.2414.99K
2026-05-01Henderson Brad J.Buy116$129.2414.99K
2026-05-01GRAVES GREG MBuy116$129.2414.99K
2026-05-01Gallagher Kevin CharlesBuy116$129.2414.99K
2026-05-01Davidson JanineBuy116$129.2414.99K
2026-05-01BEERY ROBIN CBuy116$129.2414.99K
2026-02-11Wilson UmaSell83$132.1610.97K
2026-02-11Terry Thomas SSell57$132.167.53K
2026-02-11Shankar RamSell129$132.1617.05K
2026-02-11Rine James DSell311$132.1641.10K
2026-02-11Odgers David CarlSell18$132.162.38K
2026-02-11Newton Nikki FarentinoSell87$132.1611.50K
2026-02-11Mason Phillip JamesSell41$132.165.42K
2026-02-11KEMPER J MARINERSell1.09K$132.16144.05K
2026-02-11Johnson Shannon AndresenSell124$132.1616.39K
2026-02-11Harris AmySell60$132.167.93K
2026-02-11Beaird Robert BrianSell70$132.169.25K
2026-02-10Wilson UmaSell131$132.8717.41K
2026-02-10Terry Thomas SSell89$132.8711.83K
2026-02-10Shankar RamSell204$132.8727.11K
2026-02-10Rine James DSell832$132.87110.55K
2026-02-10Odgers David CarlSell29$132.873.85K
2026-02-10Newton Nikki FarentinoSell144$132.8719.13K
2026-02-10Mason Phillip JamesSell65$132.878.64K
2026-02-10KEMPER J MARINERSell1.72K$132.87228.67K
2026-02-10Johnson Shannon AndresenSell215$132.8728.57K
2026-02-10Harris AmySell97$132.8712.89K
2026-02-10Beaird Robert BrianSell112$132.8714.88K
2026-02-09KEMPER J MARINERSell1.90K$134.29255.69K
2026-02-09Johnson Shannon AndresenSell316$134.2942.44K
2026-02-09Harris AmySell127$134.2917.05K
2026-02-09Beaird Robert BrianSell159$134.2921.35K
2026-02-09Wilson UmaSell227$134.2930.48K
2026-02-09Terry Thomas SSell145$134.2919.47K
2026-02-09Shankar RamSell381$134.2951.16K
2026-02-09Rine James DSell937$134.29125.83K
2026-02-09Odgers David CarlSell35$134.294.70K
2026-02-09Newton Nikki FarentinoSell236$134.2931.69K
2026-02-09Mason Phillip JamesSell201$134.2926.99K
2026-02-09Lewis Elizabeth TheresaSell89$134.2911.95K
2026-02-09Wilson UmaBuy1.85K——
2026-02-09Terry Thomas SBuy1.63K——
2026-02-09Shankar RamBuy3.14K——
2026-02-09Rine James DBuy5.52K——
2026-02-09Odgers David CarlBuy405——
2026-02-09Newton Nikki FarentinoBuy1.63K——
2026-02-09Mason Phillip JamesBuy1.69K——
2026-02-09Lewis Elizabeth TheresaBuy1.62K——
2026-02-09KEMPER J MARINERBuy16.51K——
2026-02-09Johnson Shannon AndresenBuy2.56K——
2026-02-09Harris AmyBuy1.43K——
2026-02-09Beaird Robert BrianBuy1.38K——
2026-02-07Wilson UmaSell228$134.3230.62K
2026-02-07Terry Thomas SSell152$134.3220.42K
2026-02-07Shankar RamSell366$134.3249.16K
2026-02-07Rine James DSell857$134.32115.11K
2026-02-07Odgers David CarlSell49$134.326.58K
2026-02-07Newton Nikki FarentinoSell240$134.3232.24K
2026-02-07Mason Phillip JamesSell241$134.3232.37K
2026-02-07Lewis Elizabeth TheresaSell240$134.3232.24K
2026-02-07KEMPER J MARINERSell2.04K$134.32274.42K
2026-02-07Johnson Shannon AndresenSell355$134.3247.68K
2026-02-07Harris AmySell161$134.3221.63K
2026-02-07Beaird Robert BrianSell166$134.3222.30K
2026-02-03Gallagher Kevin CharlesSell388$129.3050.17K
2026-02-02GRAVES GREG MBuy220$127.8328.13K
2026-02-02Peterman TamaraBuy154$127.8319.69K
2026-02-02KEMPER J MARINERSell7.97K$128.041.02M
2026-02-02KEMPER J MARINERSell7.24K$129.19935.56K

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 490, holders +32 vs prior quarter. Ownership 97.25%.

HolderSharesChangeChange %Value
BLACKROCK, INC.10.22M871.18K+9.32%1.46B
UMB BANK, N.A.4.67M-48.61K-1.03%667.40M
VANGUARD PORTFOLIO MANAGEMENT LLC4.21M76.90K+1.86%601.47M
STATE STREET CORP4.13M151.68K+3.81%591.79M
VANGUARD CAPITAL MANAGEMENT LLC3.13M29.05K+0.94%446.89M
DIMENSIONAL FUND ADVISORS LP3.03M120.92K+4.16%432.68M
FMR LLC2.67M249.23K+10.29%381.41M
GEODE CAPITAL MANAGEMENT, LLC2.06M117.46K+6.03%294.83M
WELLINGTON MANAGEMENT GROUP LLP1.69M-1.02M-37.67%240.87M
NEUBERGER BERMAN GROUP LLC1.56M-137.40K-8.08%223.03M
EARNEST PARTNERS LLC1.24M-35.46K-2.77%177.37M
GOLDMAN SACHS GROUP INC1.24M345.69K+38.58%177.28M
ALLSPRING GLOBAL INVESTMENTS HOLDINGS, LLC1.15M-211.22K-15.56%166.91M
AMERICAN CENTURY COMPANIES INC1.05M-299.92K-22.29%149.32M
ALLIANCEBERNSTEIN L.P.1.30M80.63K+6.61%146.70M
CHARLES SCHWAB INVESTMENT MANAGEMENT INC964.63K-2.12K-0.22%137.71M
SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P.964.63K964.63KNew137.71M
CITADEL ADVISORS LLC943.29K-125.29K-11.73%134.66M
MORGAN STANLEY939.02K-67.90K-6.74%134.05M
NORTHERN TRUST CORP926.89K46.54K+5.29%132.32M
FIRST TRUST ADVISORS LP914.99K15.59K+1.73%130.62M
BANK OF AMERICA CORP /DE/904.68K209.41K+30.12%129.15M
VICTORY CAPITAL MANAGEMENT INC900.42K-78.63K-8.03%128.54M
NUVEEN, LLC763.66K107.63K+16.41%109.02M
NORGES BANK705.32K705.32KNew100.69M

Insights

Revenue by product
PeriodValue
FY2018Credit Card: 68520000.0, Deposit Account: 84287000.0
FY2019Commercial Banking: 29716000.0, Healthcare Services: 16753000.0, Institutional Banking: 113313000.0, Personal Banking: 1634000.0
FY2020Credit Card: -29065000.0, Deposit Account: 211000.0, Investment Securities Gains Net: 120634000.0, Other Financial Services: 36592000.0, Trading And Investment Banking: 32190000.0
FY2021Credit Card: -33238000.0, Deposit Account: 315000.0, Investment Securities Gains Net: 5057000.0, Other Financial Services: 37796000.0, Trading And Investment Banking: 30146000.0
FY2022Credit Card: -33535000.0, Deposit Account: 171000.0, Investment Securities Gains Net: 58444000.0, Other Financial Services: 27142000.0, Trading And Investment Banking: 22882000.0
FY2023Credit Card: -38982000.0, Deposit Account: 96000.0, Investment Securities Gains Losses Net: -3139000.0, Other Financial Services: 47186000.0, Trading And Investment Banking: 19332000.0
FY2024Credit Card: -39282000.0, Deposit Account: 113000.0, Investment Securities Gains Losses Net: 10720000.0, Other Financial Services: 59809000.0, Trading And Investment Banking: 23095000.0
FY2025Credit Card: -51301000.0, Deposit Account: 134000.0, Investment Securities Gains Losses Net: 30967000.0, Other Financial Services: 68949000.0, Trading And Investment Banking: 24610000.0

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UMB Financial (UMBF) Stock Insights

UMBF$132.09-1.71 -1.28%

$10.03B

Market Cap

11.22

P/E

9.96

Forward P/E

53

Score

Price History