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Upturn AI Summary - About
UMB Financial Corporation(UMBF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for UMBF
11/06/2026: UMBF (3-star) is currently NOT-A-BUY. Pass it for now.
UMB Financial Corporation is a diversified regional banking company known for balancing commercial banking services with specialized institutional fee-based offerings. Its primary strength lies in this diversified revenue model, which provides more stability than pure-play community banks. The recent acquisition of Heartland Financial represents a significant growth opportunity by expanding its regional scale. Key risks include sensitivity to interest rate fluctuations and intense competition within the banking sector. The stock may suit dividend-oriented and value-focused investors, though monitoring the integration of large-scale acquisitions and the company's ability to maintain healthy net interest margins remains essential for assessing future performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While UMBF shows steady growth, it is a stable regional bank rather than a high-growth tech-driven company. |
| Momentum investor | Weak fit | The stock typically moves in line with broader regional banking trends and interest rate cycles. |
| Value investor | Strong fit | The stock often trades at valuations that may interest value-oriented investors seeking regional banking exposure. |
| Dividend investor | Strong fit | UMB has a reliable history of dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent market and interest rate risks despite the company's stable reputation. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macro economic shifts and interest rate changes. |
| Valuation risk | Medium | The stock's valuation is influenced by market expectations of net interest margins. |
| Competition risk (banking) | High | The sector is highly competitive with constant pressure on margins from large and regional banks. |
| Business quality | Strong | The company has maintained a long-term reputation for solid operational management. |
| Dividend income | Low / none | The dividend is considered stable and consistent for long-term holders. |
| Execution risk | Medium | Integrating recent acquisitions like Heartland requires operational excellence. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 85.8% | Avg. Invested days 82 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.16B USD | Price to earnings Ratio 10.12 | 1Y Target Price 161.06 |
Price to earnings Ratio 10.12 | 1Y Target Price 161.06 | ||
Volume (30-day avg) 649.3K shares | Beta 0.85 | 52 Weeks Range 101.90 - 152.78 | Updated Date 11/08/2026 |
52 Weeks Range 101.90 - 152.78 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) 13.22 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings from interest on loans and investments net of interest paid on deposits. | This is the primary way banks earn money by collecting more interest on loans than they pay to depositors. |
| Fee-Based Services | Institutional asset servicing, treasury management fees, and card services. | These represent consistent, non-interest income that helps buffer the bank against interest rate volatility. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 3.22 | Actual 3.56 |
Profitability
Profit Margin 35.61% | Operating Margin (TTM) 50.46% |
Management Effectiveness
Return on Assets (TTM) 1.43% | Return on Equity (TTM) 13.5% |
Valuation
Trailing PE 10.12 | Forward PE 9.49 | Enterprise Value 11.86B | Price to Sales(TTM) 3.5 |
Enterprise Value 11.86B | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 3.79 | Enterprise Value to EBITDA - | Shares Outstanding 75.95M | Shares Floating 72.90M |
Shares Outstanding 75.95M | Shares Floating 72.90M | ||
Percent Insiders 5.29 | Percent Institutions 97.92 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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