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Upturn AI SWOT - About
UMBF 
UMB Financial Corporation (UMBF)
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Upturn Advisory Summary
08/14/2025: UMBF (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $131.73
1 Year Target Price $131.73
| 4 | Strong Buy |
| 4 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.28% | Avg. Invested days 59 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.89B USD | Price to earnings Ratio 13.26 | 1Y Target Price 131.73 |
Price to earnings Ratio 13.26 | 1Y Target Price 131.73 | ||
Volume (30-day avg) 11 | Beta 0.78 | 52 Weeks Range 81.69 - 128.53 | Updated Date 08/15/2025 |
52 Weeks Range 81.69 - 128.53 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.36% | Basic EPS (TTM) 8.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-28 | When Before Market | Estimate 2.38 | Actual 2.96 |
Profitability
Profit Margin 27.11% | Operating Margin (TTM) 46.33% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 10.05% |
Valuation
Trailing PE 13.26 | Forward PE 10.83 | Enterprise Value 10756049920 | Price to Sales(TTM) 4.56 |
Enterprise Value 10756049920 | Price to Sales(TTM) 4.56 | ||
Enterprise Value to Revenue 5.12 | Enterprise Value to EBITDA - | Shares Outstanding 75928304 | Shares Floating 72830382 |
Shares Outstanding 75928304 | Shares Floating 72830382 | ||
Percent Insiders 5.4 | Percent Institutions 93.31 |
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 grown through organic expansion and acquisitions to become a diversified financial services company.
Core Business Areas
- Commercial Banking: Provides a full range of commercial banking products and services, including loans, deposit accounts, treasury management, and international banking.
- Institutional Banking: Offers custody, asset servicing, fund administration, and investment management services to institutional clients.
- Personal Banking: Delivers retail banking services, including checking and savings accounts, mortgages, and wealth management.
Leadership and Structure
UMB Financial Corporation is led by Mariner Kemper, Chairman and CEO. The organizational structure includes various divisions overseeing banking, wealth management, and institutional services. There is a board of directors overseeing all operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver. Market share data is not readily available. Competitors include regional and national banks like Commerce Bancshares (CBSH), US Bancorp (USB), and Bank of America (BAC).
- Wealth Management Services: Wealth management provides advisory and investment services. Market share data is not readily available. Competitors include Stifel Financial (SF), Morgan Stanley (MS), and Goldman Sachs (GS).
- Institutional Custody: UMB offers custody and investment servicing. It has a growing market share within the segment. Competitors include State Street Corporation (STT), BNY Mellon (BK) and JP Morgan Chase (JPM).
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological disruption, and intense competition. Interest rate fluctuations and economic conditions also significantly impact the sector.
Positioning
UMB Financial Corporation operates as a regional bank with a strong presence in the Midwest. Its diversified business model provides a competitive advantage through multiple revenue streams.
Total Addressable Market (TAM)
The total addressable market for financial services is vast, encompassing trillions of dollars across banking, asset management, and other segments. UMB is positioned to capture a portion of this TAM through its regional focus and specialized offerings.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong regional presence
- Experienced management team
- Sound risk management practices
- Solid capital base
Weaknesses
- Limited geographic reach compared to national banks
- Lower brand recognition outside its core markets
- Reliance on interest rate spreads
- Potential for increased regulatory scrutiny
- Competition from larger financial institutions
Opportunities
- Expansion into new geographic markets
- Strategic acquisitions to grow market share
- Increased adoption of digital banking services
- Growth in wealth management due to demographic trends
- Opportunities for increased fee income
Threats
- Economic downturn and credit quality deterioration
- Increased competition from fintech companies
- Rising interest rates and margin compression
- Cybersecurity risks
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- CBSH
- HBAN
- CMA
Competitive Landscape
UMB Financial Corporation competes with regional and national banks, as well as wealth management firms and institutional service providers. Its competitive advantages include its strong regional presence and diversified business model.
Major Acquisitions
Heartland Payment Systems Portfolio
- Year: 2018
- Acquisition Price (USD millions): 104
- Strategic Rationale: Expanded payment solutions capabilities and client base.
Growth Trajectory and Initiatives
Historical Growth: UMB Financial Corporation has experienced steady growth through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates for UMB Financial Corporation's future growth depend on economic conditions, market trends, and company-specific initiatives. Review analyst reports from major firms that cover the financial sector.
Recent Initiatives: UMB Financial Corporation has been investing in technology and expanding its wealth management services to drive future growth.
Summary
UMB Financial Corporation is a stable regional bank with diversified revenue streams, operating in a competitive industry. Its strong regional presence and commitment to technology are positive attributes. However, it faces threats from larger institutions, economic cycles, and the evolving regulatory landscape. UMB must continue to invest in innovation and client relationships to sustain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, investor presentations, industry reports, financial news sources
Disclaimers:
This analysis is based on available information and should not be considered financial advice. Market conditions and company performance can change.
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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