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UMB Financial Corporation (UMBFP)
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Upturn Advisory Summary
06/30/2025: 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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.92% | Avg. Invested days 39 | 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 06/30/2025 |
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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
UMB Financial Corporation
Company Overview
History and Background
UMB Financial Corporation was founded in 1913 as City Center Bank in Kansas City, Missouri. It has grown through acquisitions and organic expansion to become a diversified financial services company.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and treasury management services to businesses of various sizes.
- Institutional Banking: Provides services to corporations, institutions, and government entities, including investment banking, asset management, and custody services.
- Personal Banking: Offers retail banking services, including checking and savings accounts, loans, and wealth management services to individual customers.
- Payment Solutions: Includes payment processing and card services for businesses.
Leadership and Structure
UMB Financial Corporation is led by a board of directors and an executive management team. The organizational structure is divided into business lines, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment financing, and real estate. Market share information is not publicly available. Competitors include regional and national banks like BOK Financial, Commerce Bancshares, and Bank of America.
- Treasury Management Services: Services that help businesses manage their cash flow and payments. Market share information is not publicly available. Competitors include regional and national banks like BOK Financial, Commerce Bancshares, and Bank of America.
- Asset Management: Investment management services for individuals and institutions. Market share information is not publicly available. Competitors include firms like BlackRock, Vanguard, and Fidelity.
Market Dynamics
Industry Overview
The financial services industry is competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions.
Positioning
UMB Financial Corporation operates as a regional bank and financial services provider, focusing on relationship-based banking and specialized services. Its competitive advantages include its strong presence in the Midwest and its focus on customer service.
Total Addressable Market (TAM)
The total addressable market includes all financial services across UMB's geographic footprint, estimated in the billions of dollars. UMB holds a relatively small portion of this market, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Diversified business lines
- Experienced management team
- Solid financial performance
Weaknesses
- Limited national presence compared to larger competitors
- Reliance on regional economic conditions
- Lower brand recognition outside of its core markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking solutions
- Growth in wealth management business
- Acquisitions of smaller financial institutions
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- Commerce Bancshares (CBSH)
- First Interstate BancSystem (FIBK)
Competitive Landscape
UMB Financial Corporation competes with a mix of regional and national banks. Its advantages include its strong regional presence and focus on customer service. Disadvantages include limited national presence compared to larger competitors.
Major Acquisitions
Heartland Payment Systems (Divested)
- Year: 2016
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded payment solutions capabilities; since divested and no longer part of UMB.
Growth Trajectory and Initiatives
Historical Growth: UMB Financial Corporation has experienced steady growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking solutions.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into new geographic markets, and acquisitions of smaller financial institutions.
Summary
UMB Financial Corporation is a stable regional bank with consistent financial performance. Its diversified business lines and strong regional presence contribute to its strength. It faces increasing competition and needs to continue investing in technology to maintain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market data sources
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions can change rapidly.
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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