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UMBF 
UMB Financial Corporation (UMBF)
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Upturn Advisory Summary
11/28/2025: UMBF (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $137.69
1 Year Target Price $137.69
| 4 | Strong Buy |
| 4 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.99% | Avg. Invested days 65 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.44B USD | Price to earnings Ratio 12.4 | 1Y Target Price 137.69 |
Price to earnings Ratio 12.4 | 1Y Target Price 137.69 | ||
Volume (30-day avg) 11 | Beta 0.79 | 52 Weeks Range 81.42 - 126.99 | Updated Date 11/30/2025 |
52 Weeks Range 81.42 - 126.99 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 1.43% | Basic EPS (TTM) 8.96 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.38% | Operating Margin (TTM) 41.39% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 11.06% |
Valuation
Trailing PE 12.4 | Forward PE 9.42 | Enterprise Value 9887986688 | Price to Sales(TTM) 3.81 |
Enterprise Value 9887986688 | Price to Sales(TTM) 3.81 | ||
Enterprise Value to Revenue 4.16 | Enterprise Value to EBITDA - | Shares Outstanding 75954660 | Shares Floating 72898244 |
Shares Outstanding 75954660 | Shares Floating 72898244 | ||
Percent Insiders 5.39 | Percent Institutions 94.22 |
Upturn AI SWOT
UMB Financial Corporation
Company Overview
History and Background
UMB Financial Corporation was founded in 1913 as City Bond and Trust Company in Kansas City, Missouri. It has evolved from a small bond house to a diversified financial services company through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of banking services, including lending, deposit accounts, and treasury management solutions to businesses of all sizes.
- Institutional Banking: Offers custody, asset servicing, and investment management solutions to institutional clients.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
- Payment Solutions: Provides payment processing and card solutions to businesses.
Leadership and Structure
UMB's leadership team is headed by Mariner Kemper, Chairman, President, and CEO. The organizational structure includes various divisions led by executive management, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: UMB provides various commercial loan products including term loans, lines of credit, and real estate financing. Competitors include regional and national banks like Commerce Bancshares (CBSH) and Bank of America (BAC). Market share data is not publicly available.
- Custody Services: UMB offers custody services for institutional clients including safekeeping of assets, transaction processing, and reporting. Competitors include State Street (STT) and BNY Mellon (BK). Market share data is not publicly available.
- Wealth Management Solutions: UMB provides investment management, financial planning, and private banking services to high-net-worth individuals. Competitors include firms like Morgan Stanley (MS) and Goldman Sachs (GS). Revenue from this segment is approximately $200 million annually.
Market Dynamics
Industry Overview
The financial services industry is currently facing increasing competition, regulatory changes, and technological advancements (FinTech). Interest rates, economic growth, and inflation all impact financial performance.
Positioning
UMB is a regional bank and financial services provider with a strong presence in the Midwest. It differentiates itself through personalized service and a focus on relationship banking.
Total Addressable Market (TAM)
The TAM for UMB's services across commercial banking, wealth management, and institutional services is estimated to be several billion dollars. UMB holds a small but significant portion, with potential for growth in its existing markets and strategic expansion.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Strong capital position
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on interest rate environment
- Potential exposure to credit risk
- Higher expense ratio compared to some peers
Opportunities
- Expanding into new geographic markets
- Leveraging technology to improve efficiency
- Acquiring smaller banks and wealth management firms
- Growing wealth management business
Threats
- Increased competition from national banks and fintech companies
- Economic downturn impacting loan demand
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- CBSH
- HBAN
- FFWM
Competitive Landscape
UMB competes with larger national banks, regional banks, and fintech companies. UMB's strengths include its personalized service and strong regional presence, while its weaknesses include its limited geographic reach compared to larger competitors.
Major Acquisitions
Pinnacle Capital Partners
- Year: 2017
- Acquisition Price (USD millions): 207
- Strategic Rationale: Expanded UMB's asset management capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: UMB has experienced steady growth in assets, loans, and deposits over the past decade, driven by organic growth and acquisitions.
Future Projections: Analysts project revenue growth of 5-7% per year over the next few years, driven by loan growth, fee income, and wealth management expansion.
Recent Initiatives: UMB has recently invested in technology to enhance its digital banking capabilities and has expanded its wealth management presence through strategic hires.
Summary
UMB Financial Corporation is a stable and well-managed regional bank with a diversified business model. Its strong regional presence and focus on relationship banking are key strengths. However, it faces increasing competition from larger national banks and fintech companies and needs to continue investing in technology to remain competitive. Its long term growth prospects are very solid.
Similar Stocks
Sources and Disclaimers
Data Sources:
- UMB Financial Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Company Press Releases
- Market Data Providers
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data may be based on estimates and approximations. Financial data may be lagged.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About UMB Financial Corporation
Exchange NASDAQ | Headquaters Kansas City, MO, United States | ||
IPO Launch date 1990-03-27 | Chairman & CEO Mr. J. Mariner Kemper | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3698 | Website https://www.umb.com |
Full time employees 3698 | Website https://www.umb.com | ||
UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
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