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UMB Financial Corp (UMBFO) stock analysis

UMBFONasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBF
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 19/309% below fair value
$25.62−0.02 (-0.08%)

Close on Oct 30, 2026Market cap $10.21BP/E 10.2Yield 1.21%

StockData Score

Prices as of Oct 30, 2026How the score works

Value4Growth3Performance5Health3Dividend4

Solid19 of 30 checks passed

UMB Financial passes 19 of the 30 checks behind our score; 5 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
4/6
Growth
3/6
Past performance
5/6
Financial health
3/6
Dividend
4/6

What stands out

  • Trading below fair value

    The share price of $134.47 is below our fair value estimate of $147.13.

  • Earnings grew over 5 years

    Net income grew 19.6% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 21.8% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 70.1% over the last twelve months, against a 5-year average of 19.6% a year.

What to watch

  • Margin of safety under 20%

    The price is 8.6% below fair value, less than the 20% cushion we look for.

  • Return on equity under 15%

    Return on equity was 13.5% over the last twelve months and averaged 12.9% over five years; we look for 15% on both.

  • EPS growing under 10% a year

    Diluted EPS grew 1.6% a year over the last three fiscal years.

  • P/B above the industry

    UMB Financial's price-to-book of 1.30 is above the Commercial Banks median of 1.27.

Valuation4/6

  • P/E below its 5-year median

    UMB Financial's P/E of 10.2 is below its own 5-year median of 11.6.

  • P/E below the industry

    UMB Financial's P/E of 10.2 is below the Commercial Banks median of 12.3.

  • P/S below the industry

    UMB Financial's price-to-sales of 3.39 is below the Commercial Banks median of 3.64.

  • P/B above the industry

    UMB Financial's price-to-book of 1.30 is above the Commercial Banks median of 1.27.

  • Trading below fair value

    The share price of $134.47 is below our fair value estimate of $147.13.

  • Margin of safety under 20%

    The price is 8.6% below fair value, less than the 20% cushion we look for.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 21.8% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew 1.6% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 70.1% over the last twelve months, against a 5-year average of 19.6% a year.

  • Growing faster than the industry

    Revenue grew 27.3% over the last twelve months; the Commercial Banks median is 11.4%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance5/6

  • Return on equity under 15%

    Return on equity was 13.5% over the last twelve months and averaged 12.9% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.4%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    UMB Financial's return on equity of 13.5% is above the Commercial Banks median of 11.2%.

  • Earnings grew over 5 years

    Net income grew 19.6% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 34.3% over the last twelve months, against a 5-year average of 26.9%.

  • Net margin above the industry

    UMB Financial's net margin of 34.3% is above the Commercial Banks median of 30.0%.

Financial health3/6

  • Well capitalized

    Equity is 10.8% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 53.3% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 0.1% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend4/6

  • Pays a dividend

    UMB Financial paid dividends worth 1.3% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.3% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; UMB Financial yields 1.3%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Covered by earnings

    Dividends take 15.7% of net income.

  • Covered by free cash flow

    Dividends take 14.2% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$147.13

The share price is 9% below this estimate.

20%+ below
Near fair value
20%+ above
$134.47Price
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E12.0×11.6×12.3×$158.0150%
P/B1.3×1.4×1.3×$136.2450%
Fair value$147.13100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 11.6
  • Commercial Banks median 12.3

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$89.43M
Value traded per 1% price move
$79.66M

Downside

Low risk

Typical loss in a bad month
14.6%
Volatility (annualized)
24%
Sharpe ratio, 1 year
0.79
Beta to the S&P 500 (5Y)
0.85

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

26.5%+4.3 pts over 5 years