UMB Financial Corporation (UMBF) AI Stock Analysis

UMB Financial Corporation serves as a bank holding company for UMB Bank, operating across three primary segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment delivers commercial loans, credit cards, commercial real estate financing, asset-based lending, mezzanine debt, minority equity investments, and comprehensive treasury management solutions. Institutional Banking focuses on fund administration, investor services, custody, alternative investment solutions, and healthcare payment systems, including health savings accounts and debit cards. The Personal Banking segment provides retail deposit accounts, retail credit cards, private banking, and installment loans.

Between FY2021 and FY2025, UMB Financial delivered a 5-year revenue compound annual growth rate of 28.0%. Annual revenue grew from $1.24B in FY2021 to $4.44B in FY2025, driven by a 68.5% surge in FY2025. Annual net income reached $702.4M in FY2025 with diluted earnings per share of $9.61, up from $353.0M and $7.28 in FY2021. However, annual net margin compressed from 28.4% in FY2021 to 15.8% in FY2025. In the trailing twelve months ended June 30, 2026, revenue was $2.81B with an operating margin of 51.1%. For the latest quarter ended June 30, 2026, quarterly revenue grew 12.2% year-over-year, and quarterly earnings expanded 26.2%.

As of June 30, 2026, UMB Financial held $779.9M in cash and short-term investments against total debt of $3.56B, resulting in net debt of $2.78B. Total assets stood at $72.26B and shareholders' equity reached $8.03B, yielding a debt-to-equity ratio of 0.44 and a current ratio of 0.25. In FY2025, the bank generated $1.03B in operating cash flow and $978.1M in free cash flow. Capital allocation in FY2025 included $48.6M in capital expenditures, $132.6M in share buybacks, and $135.6M in dividends paid.

UMB Financial trades at a trailing price-to-earnings ratio of 10.9x and a forward P/E of 9.6x, compared to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales ratio of 3.5x stands slightly above the peer median of 3.2x, while price-to-book is 1.3x. Over the past 12 months, the stock returned 23.8%, outpacing the S&P 500 (SPY) return of 16.8%. Over a 5-year period, UMBF gained 42.8%, lagging the S&P 500 return of 83.0%.

UMB Financial pays a quarterly dividend totaling an annualized $2.00 per share, representing a 1.53% dividend yield. The payout ratio is 14.4%. The company has paid consecutive dividends for 43 years, with a 5-year annualized dividend growth rate of 5.5%. The last ex-dividend date was September 10, 2026.

Wall Street coverage consists of 6 Strong Buy, 7 Buy, and 3 Hold ratings, with zero Sell or Strong Sell recommendations. The mean price target is $164.00, implying 25.1% upside compared to the last close of $131.10. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $3.00B and EPS of $13.26, representing 16.8% earnings growth. UMB Financial has beaten EPS estimates in each of the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of UMB Financial Corporation (UMBF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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