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UMB Financial Corporation (UMBFP)
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Upturn Advisory Summary
07/23/2025: UMBFP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -9.85% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/23/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.83 | 52 Weeks Range 24.27 - 25.75 | Updated Date 04/30/2025 |
52 Weeks Range 24.27 - 25.75 | Updated Date 04/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.14% | Operating Margin (TTM) 36.61% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 13.44% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value -4904338944 | Price to Sales(TTM) - |
Enterprise Value -4904338944 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 46749337 |
Shares Outstanding - | Shares Floating 46749337 | ||
Percent Insiders - | Percent Institutions - |
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 evolved from a bond trading company to a full-service financial services provider, experiencing growth through acquisitions and organic expansion.
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses, including commercial loans, deposit accounts, treasury management, and international banking services.
- Institutional Banking: Offers services to institutional clients such as investment management, trust services, and asset servicing.
- Personal Banking: Provides banking services to individual customers, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides financial planning, investment advisory, and trust services to high-net-worth individuals and families.
Leadership and Structure
UMB Financial Corporation is led by its CEO and a board of directors. The organizational structure is divided into business lines and support functions, with regional presidents overseeing local market operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: UMB offers commercial loans to businesses of varying sizes. Market share data is difficult to pinpoint precisely due to the fragmented nature of the commercial lending market. Competitors include large national banks (e.g., JPMorgan Chase, Bank of America) and other regional banks.
- Treasury Management Services: Provides businesses with tools to manage their cash flow, payments, and liquidity. UMB's market share in treasury management is not publicly disclosed. Competitors include large banks like Wells Fargo and smaller fintech companies.
- Wealth Management Services: Offers investment advice, financial planning, and trust services to high-net-worth individuals. The wealth management market is highly competitive, with players like Morgan Stanley, Goldman Sachs, and independent RIAs.
Market Dynamics
Industry Overview
The financial services industry is currently characterized by increasing competition, regulatory scrutiny, and technological disruption. Banks are facing pressure to innovate and adapt to changing customer preferences.
Positioning
UMB Financial Corporation positions itself as a relationship-focused bank with a strong regional presence. Its competitive advantages include its local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for financial services is vast, encompassing all banking, lending, and wealth management activities. UMB captures a regional share.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Relationship-focused banking model
- Diversified business lines
- Experienced management team
- Sound risk management practices
Weaknesses
- Limited national presence compared to larger banks
- Potential for higher operating costs due to personalized service
- Sensitivity to regional economic conditions
- Dependence on traditional banking products
- Brand recognition lower than national peers
Opportunities
- Expand into new markets through organic growth or acquisitions
- Leverage technology to improve efficiency and customer experience
- Increase cross-selling opportunities across business lines
- Capitalize on increasing demand for wealth management services
- Benefit from rising interest rates
Threats
- Increasing competition from larger banks and fintech companies
- Regulatory changes that could increase compliance costs
- Economic downturn that could negatively impact loan demand
- Cybersecurity threats
- Interest rate volatility
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
- KEY
- CMA
Competitive Landscape
UMB Financial Corporation competes with larger national banks and regional players. Its advantages include personalized service and regional expertise. Disadvantages include a smaller geographic footprint and limited brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data needs to be populated dynamically from a data source.
Future Projections: Future projection data needs to be populated dynamically from a data source.
Recent Initiatives: Recent initiatives data needs to be populated dynamically from a data source.
Summary
UMB Financial Corporation is a financially sound regional bank with a diversified business model. Its relationship-focused approach is a strength, but its smaller scale compared to national competitors presents challenges. Opportunities lie in leveraging technology and expanding into new markets, while threats include increasing competition and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- UMB Financial Corporation Annual Reports
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may not be precise. Financial data is subject to change. This analysis is based on available information and assumptions and may not reflect all factors that could impact UMB Financial Corporation's performance.
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 2025-02-04 | 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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