UMB Financial Corporation (UMBF) Stock: Price, Forecast & Analyst Target
UMB Financial Corporation (UMBF) — MoonshotScore 74/100 (Strong band), calculated Oct 4, 2026. Price $130.94 (+0.89%), as of the Oct 2, 2026 trading session; market cap $9.94B. Expected results Oct 27, 2026.
Educational signal · not a buy or sell recommendation · How to read this
UMB Financial Corporation · UMBF · NASDAQ · Financial Services · Banks - Regional
Research dated 2026-09-13: UMB Financial combines commercial lending and treasury management with institutional custody, fund services, healthcare payment accounts, and personal banking. The case depends on whether that mix can keep producing operating leverage as contractual accretion becomes a smaller earnings benefit.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · UMB Financial (UMBF)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and elite growth, at a cheap price, though the balance sheet is only middling. Business Quality: Solid; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Compounding; Momentum: Quiet.
- quarterly revenue $1.12B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z 0.25 · Piotroski F 7
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 78 | Strong | |
| 66 | Strong | |
| 77 | Strong | |
| 77 | Strong | |
| 74 | Strong | |
| 74 | Strong |
The score moved from 66 in the stored Oct 3, 2026 snapshot to 74 in the current publication computed Oct 4, 2026 (+8); the largest pillar moves were Momentum +12 and Growth Durability +1.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $130.94 | |
| Change on the day | +0.89% | |
| 52-week range | $103.38–$153.32 | |
| Market capitalisation | $9.94B | |
| Price / earnings (trailing) | 10.55 | |
| Shares traded on the day | 654.7K | |
| Beta (volatility vs the S&P 500) | 0.78 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextCouncil Score · weighted blend of 2 available disciplines
Council score for UMB Financial (UMBF): Bullish Lean
72/100 · ACouncil is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 5 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 4, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the UMBF film — every key number, told as a short cinematic story
~2 min · open the film
What is UMB Financial (UMBF), and what does it report?
Short answer · as of
UMB is not merely a branch-based regional lender. Businesses use it for credit, payments, cash management, and specialized financing; institutions use it for custody, fund administration, trading, corporate trust, and healthcare payment services; individuals use it for deposits, borrowing, private banking, and wealth services.
Research dated 2026-09-13.
UMB is not merely a branch-based regional lender. Businesses use it for credit, payments, cash management, and specialized financing; institutions use it for custody, fund administration, trading, corporate trust, and healthcare payment services; individuals use it for deposits, borrowing, private banking, and wealth services.
Reported revenue therefore reflects more than loan spreads. Lending demand, deposit economics, transaction activity, assets serviced, custody relationships, and healthcare account usage can each affect the result, while the securities-heavy balance sheet should be read as a bank balance sheet rather than as surplus corporate cash.
What do the latest results show for UMB Financial (UMBF)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.12B.
Research dated 2026-09-13.
The latest quarter delivered a sharp sequential rebound in revenue, gross profit, operating income, net income, and diluted earnings, while operating cash flow remained strongly positive. Recent earnings releases have also repeatedly cleared consensus on earnings and revenue, making the improvement broader than a favorable comparison in one reported line.
Management expects adjusted margin to remain roughly level in the near term and still expects positive operating leverage over the full period, despite less contractual accretion. That frames the mechanism clearly: expense discipline and core revenue must carry more of the earnings load as the accretion benefit fades.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | Not available | Not available | Not available |
| Mar 31, 2026 | Not available | Not available | Not available |
| Dec 31, 2025 | Not available | Not available | Not available |
| Sep 30, 2025 | Not available | Not available | Not available |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $778.00M Jul 28, 2026
- Latest report · revenue estimate
- $727.63M Jul 28, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 28, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 28, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 28, 2026 | $778.00M | $727.63M | $3.5700 | $3.1200 |
| Apr 28, 2026 | $739.16M | $701.79M | $3.4100 | $2.8200 |
| Jan 27, 2026 | $720.87M | $677.77M | $3.0800 | $2.7100 |
| Oct 28, 2025 | $1.09B | $661.56M | $2.7000 | $2.5000 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.12B | $278M | $3.63 (diluted) |
| Q1 FY2026 | $867M | $261M | $3.43 (diluted) |
| Q4 FY2025 | $1.09B | $215M | $2.82 (diluted) |
| Q3 FY2025 | $1.49B | $188M | $2.50 (diluted) |
What are the financial strengths and risks for UMB Financial (UMBF)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price, durable growth as strengths.
Research dated 2026-09-13.
Profitability and cash generation are the clearest financial supports. Trailing margins and returns are positive, recent operating cash flow has remained healthy, and the quality screen is comparatively firm.
The principal risk is a deterioration in core banking economics while accretion contributes less. Weak loan demand, deposit pressure, credit losses, or softer activity across custody, fund services, trading, and healthcare accounts could erode operating leverage; the low conventional liquidity ratios and low distress score should be interpreted cautiously because bank liabilities and investment securities do not resemble those of an industrial company.
What should you watch next at UMB Financial (UMBF)?
Short answer · as of
The next earnings report is expected on Oct 27, 2026.
Research dated 2026-09-13.
Watch whether adjusted margin holds near management’s stated level and whether positive operating leverage survives the decline in contractual accretion. The useful confirmation would be continued earnings growth supported by revenue and expense performance, not merely another consensus beat.
Cash and short-term investments have changed markedly over recent reporting periods, while long-term investments dominate the broader cash-and-investments presentation. Changes in that composition deserve attention alongside operating cash flow, because the headline aggregate is not equivalent to readily deployable cash.
What the records here don't tell us
- No forward revenue or earnings estimate is on file.
Checked against the records this page reads, on the dates shown above.
How does UMB Financial compare with its peers?
Short answer
UMB Financial's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Compared with a conventional regional bank centered on deposits and loans, UMB has a larger set of institutional operating businesses embedded in the franchise. Fund administration, custody, corporate trust, fixed-income activity, and healthcare payment accounts introduce revenue drivers tied to serviced assets, transactions, and account relationships as well as lending spreads.
That breadth can diversify demand, but it also creates more moving parts than a plain commercial bank. Investors need to follow institutional activity and healthcare account economics alongside credit quality, funding costs, and loan growth.
| Company | Price | Market value | Score |
|---|---|---|---|
| $75.21 Oct 2, 2026 | $18.3B | 98 5-pillar Oct 4, 2026 | |
| $91.91 Oct 2, 2026 | $21.8B | 98 5-pillar Oct 4, 2026 | |
| $53.11 Oct 2, 2026 | $5.90B | 95 5-pillar Oct 4, 2026 | |
| $63.17 Oct 2, 2026 | $9.22B | 94 5-pillar Oct 4, 2026 | |
| $60.84 Oct 2, 2026 | $4.08B | 93 5-pillar Oct 4, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 4, 2026 | |
| $27.04 Oct 2, 2026 | $4.13B | 92 5-pillar Oct 4, 2026 | |
| $32.03 Oct 2, 2026 | $7.68B | 91 5-pillar Oct 4, 2026 | |
| $25.11 Oct 2, 2026 | $4.14B | 91 5-pillar Oct 4, 2026 | |
| $34.11 Oct 2, 2026 | $4.08B | 89 5-pillar Oct 4, 2026 | |
| $158.14 Oct 2, 2026 | $10.1B | 87 5-pillar Oct 4, 2026 | |
| $24.96 Oct 2, 2026 | $9.55B | 79 5-pillar Oct 4, 2026 | |
| UMB Financial (UMBF) — this page | $130.94 | $9.94B | 74 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $147.00 – $182.00
- Consensus target
- $166.40
- Median target
- $168.50
Consensus record · Captured .
Measured against a quoted price of $130.94 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 1, 2026
- Transactions
- 37
- Identified insiders
- 24
- Purchases
- 2
- Sales
- 17
- Other transactions
- 18
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
What has been published about UMB Financial (UMBF)?
UMBF Financial Services Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
Why is UMB Financial more than a regional lender?
UMB pairs commercial and personal banking with custody, fund administration, corporate trust, fixed-income services, and healthcare payment accounts. Those institutional activities make transaction volumes, serviced assets, and account relationships meaningful alongside lending and deposits.
What does declining contractual accretion mean for UMB Financial?
A fading accretion benefit leaves core revenue growth and expense control responsible for more of the earnings progression. Management still expects positive operating leverage, so that relationship is a direct test of execution.
Why should UMB Financial’s cash and investments be interpreted carefully?
Most of the combined balance is classified as long-term investments, while cash and short-term investments are much smaller and have moved sharply between reporting periods. The combined figure therefore should not be treated as freely available corporate cash.
What should investors watch in UMB Financial’s healthcare payment business?
UMB provides custodial and payment services for healthcare accounts through relationships with insurers, administrators, software providers, employers, and financial institutions. Account usage and partner relationships matter because this business is tied to custody and payments rather than conventional branch lending alone.
What is the UMBF stock price today?
The last price recorded on this page for UMB Financial Corporation (UMBF) is $130.94, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the UMBF price target?
The analyst consensus price target for UMB Financial Corporation (UMBF) is $166.40 (range $147.00 to $182.00, median $168.50), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (41 figures)
The 41 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Kansas City, MO | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "1010 Grand Boulevard, Kansas City, MO, 64106, US". |
FMP — 34 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $130.94 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:54:29.799Z. | |
px.change | Change on the day | +0.89% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalization | $9.94B | FMP | Financial Modeling Prep (FMP) quote — Provider market cap uses the share class it prices; a company with more than one class may show a larger total elsewhere. Market cap record date: 2026-10-04. Source capture time was not supplied. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 27, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | +$1.15 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.12B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $103.38–$153.32 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 10.55 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 654.7K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.78 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | J. Mariner Kemper | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 5,222 | FMP | Financial Modeling Prep (FMP) company profile | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY1970 through FY2025: FY1970 revenue $0.00, net result $0.00; FY2022 revenue $0.00, net result $0.00; FY2023 revenue $0.00, net result $0.00; FY2024 revenue $0.00, net result $0.00; FY2025 revenue $0.00, net result $0.00 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
earn.history.depth.2026-07-28.revenue_actual | Revenue · reported — report date 2026-07-28 | $778.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.revenue_estimated | Revenue · estimate — report date 2026-07-28 | $727.63M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.eps_actual | EPS · reported — report date 2026-07-28 | $3.5700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.eps_estimated | EPS · estimate — report date 2026-07-28 | $3.1200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.revenue_actual | Revenue · reported — report date 2026-04-28 | $739.16M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.revenue_estimated | Revenue · estimate — report date 2026-04-28 | $701.79M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.eps_actual | EPS · reported — report date 2026-04-28 | $3.4100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.eps_estimated | EPS · estimate — report date 2026-04-28 | $2.8200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.revenue_actual | Revenue · reported — report date 2026-01-27 | $720.87M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.revenue_estimated | Revenue · estimate — report date 2026-01-27 | $677.77M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.eps_actual | EPS · reported — report date 2026-01-27 | $3.0800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.eps_estimated | EPS · estimate — report date 2026-01-27 | $2.7100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.revenue_actual | Revenue · reported — report date 2025-10-28 | $1.09B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.revenue_estimated | Revenue · estimate — report date 2025-10-28 | $661.56M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.eps_actual | EPS · reported — report date 2025-10-28 | $2.7000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.eps_estimated | EPS · estimate — report date 2025-10-28 | $2.5000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
earn.pt_range | Analyst price target, low to high | $147.00 – $182.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $166.40 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $168.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 37 transactions · 2 purchases, 17 sales, 18 other transactions · 24 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 1, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z 0.25 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 |
COMPUTED — 2 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history.depth.2026-07-28.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($778.00M) with the recorded estimate ($727.63M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-28.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($3.5700) with the recorded estimate ($3.1200) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 74 of 100 · Strong · pillars 71 / 51 / 82 / 89 / 45 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 66 (stored snapshot Oct 3, 2026) → 74 (current publication computed Oct 4, 2026) (+8) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Earnings-history note. Source series as of 2026-07-28. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-28.revenue_actual,earn.history.depth.2026-07-28.revenue_estimated,earn.history.depth.2026-07-28.revenue_actual.comparison,earn.history.depth.2026-07-28.eps_actual.comparison,earn.history.depth.2026-07-28.eps_actual,earn.history.depth.2026-07-28.eps_estimated,earn.history.depth.2026-04-28.revenue_actual,earn.history.depth.2026-04-28.revenue_estimated,earn.history.depth.2026-04-28.eps_actual,earn.history.depth.2026-04-28.eps_estimated,earn.history.depth.2026-01-27.revenue_actual,earn.history.depth.2026-01-27.revenue_estimated,earn.history.depth.2026-01-27.eps_actual,earn.history.depth.2026-01-27.eps_estimated,earn.history.depth.2025-10-28.revenue_actual,earn.history.depth.2025-10-28.revenue_estimated,earn.history.depth.2025-10-28.eps_actual,earn.history.depth.2025-10-28.eps_estimated.
- Published
- Research standards
- Methodology · Editorial policy · Corrections
- Report a number
- sedat@stockexpertai.com
Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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 solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Comprehensive treasury management services are also available, encompassing depository functions, account reconciliation, cash management tools, accounts payable and receivable solutions, electronic funds transfers, automated payments, controlled disbursements, lockbox services, and remote deposit capture. The Institutional Banking division caters specifically to institutional clients, offering asset management and healthcare services. Its extensive offerings include fund administration and accounting, investor services, transfer agency functions, marketing and distribution support, custody, and alternative investment services. This segment also manages fixed-income sales, trading, and underwriting, alongside providing corporate trust, escrow, and institutional custody services. A notable feature of this division is its healthcare payment solutions, which incorporate custodial services for health savings accounts and versatile private-label debit cards. These solutions are extended to a diverse clientele, including insurance carriers, third-party administrators, software companies, employers, and financial institutions. For individual customers, the Personal Banking segment presents a suite of services such as deposit accounts, retail credit cards, and private banking. It also provides various loan products, including installment loans, home equity lines of credit, residential mortgages, and small business loans. These offerings are complemented by internet banking, an expansive ATM network, brokerage, insurance, advisory, and trust services. The company operates a substantial network of branches and offices across 17 states: Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. Established in 1913, UMB Financial Corporation maintains its headquarters in Kansas City, Missouri. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Deposit Account: 134,000; Other Financial Services: $68.95M; Trading And Investment Banking: $24.61M; Investment Securities Gains Losses Net: $30.97M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Management outlook — dated call excerpts | Captured record · 2 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-29 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6021 — National Commercial Banks. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Cash, investments and debt | Total debt: $3.56B; Liquidity basis: cash and short-term investments; Total liabilities: $64.22B; Cash and short-term investments: $779.88M; Cash and investments: $67.32B; Long-term investments: $66.54B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $67.32B; Cash and short-term investments: $779.90M; Long-term investments: $66.54B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-28 | FMP | Financial Modeling Prep (FMP) earnings |
| Trailing twelve-month ratio set | Quick ratio: 0.25; Current ratio: 0.25; Debt to equity: 0.44; Net margin: 20.7%; Gross margin: 58.5%; Operating margin: 22.1%; Return on assets: 1.3%; Return on equity: 12.2% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 0.25; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-27; EPS estimate: $3.24 per share; Revenue estimate: $741.26M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
Data provided for informational purposes only.
ETFs that hold UMBF
Funds in our ETF coverage that list UMBF among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| iShares Russell 2000 Value ETF (IWN) | 0.52% | |
| iShares Russell 2000 ETF (IWM) | 0.34% |