UMB Financial (UMBF) Stock Price

UMB Financial Price

NASDAQ·CLOSED
144.81USD-0.79 (-0.54 %)
Market closed

Over the last 19 years UMB Financial grew revenue by 10.9% annually, reaching 4.44 B USD. Earnings per share have grown at 10.3% per year over the last 19 years. For UMB Financial, the net margin of 15.8% is down versus 28.4% a few years ago. At today's price the dividend yield works out to roughly 1.13%. The payout ratio is around 18% of earnings. The dividend has grown at 5.0% per year over the past 19 years. The consensus 12-month price target for UMB Financial is 147.90 USD, about 2.1% above where the stock trades today. Of 18 analysts, 15 rate the stock a buy — an overall Buy consensus. The stock trades about 39% above its 52-week low.

UMB Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of UMB Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how UMB Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing UMB Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

UMB Financial Stock Price History
DateUMB Financial Price
8/10/2026144.81 USD
8/7/2026145.60 USD
8/6/2026145.13 USD
8/5/2026147.48 USD
8/4/2026149.10 USD
8/3/2026147.04 USD
7/31/2026145.73 USD
7/30/2026145.51 USD
7/29/2026146.69 USD
7/27/2026141.86 USD
7/23/2026139.12 USD
7/22/2026140.78 USD
7/21/2026143.81 USD
7/20/2026144.55 USD
7/17/2026145.99 USD
7/16/2026148.02 USD
7/15/2026145.31 USD
7/14/2026142.61 USD
7/13/2026143.60 USD
7/10/2026144.59 USD
7/9/2026143.71 USD
7/8/2026143.15 USD
7/7/2026146.01 USD
7/6/2026144.40 USD
7/2/2026143.80 USD
7/1/2026145.65 USD
6/30/2026142.76 USD
6/29/2026140.93 USD
6/26/2026144.91 USD
6/25/2026143.41 USD
6/24/2026141.47 USD
6/23/2026139.48 USD
6/22/2026136.37 USD
6/18/2026133.05 USD
6/17/2026134.60 USD
6/16/2026135.00 USD
6/15/2026135.34 USD
6/12/2026135.12 USD
6/11/2026131.39 USD
6/10/2026132.84 USD
6/9/2026131.82 USD
6/8/2026129.10 USD
6/5/2026130.22 USD
6/4/2026129.33 USD
6/3/2026126.26 USD
6/2/2026129.12 USD
6/1/2026128.44 USD
5/29/2026131.36 USD
5/28/2026130.99 USD
5/27/2026133.05 USD
5/26/2026133.58 USD
5/22/2026130.74 USD
5/21/2026130.60 USD
5/20/2026129.84 USD
5/19/2026125.87 USD
5/18/2026126.82 USD
5/15/2026124.65 USD
5/14/2026127.22 USD
5/13/2026126.37 USD
5/12/2026128.98 USD
5/11/2026130.32 USD
5/8/2026131.36 USD
5/7/2026131.17 USD
5/6/2026133.95 USD
5/5/2026131.06 USD
5/4/2026129.41 USD
5/1/2026129.24 USD
4/30/2026126.17 USD
4/29/2026124.22 USD
4/28/2026125.35 USD
4/27/2026124.16 USD
4/24/2026122.22 USD
4/23/2026123.62 USD
4/22/2026122.68 USD
4/21/2026123.04 USD
4/20/2026124.14 USD
4/17/2026123.59 USD
4/16/2026120.55 USD
4/15/2026119.87 USD
4/14/2026120.63 USD
4/13/2026120.46 USD
4/10/2026120.23 USD
4/9/2026120.81 USD
4/8/2026120.06 USD
4/7/2026116.26 USD
4/6/2026116.63 USD
4/2/2026115.04 USD
4/1/2026114.65 USD
3/31/2026112.79 USD
3/30/2026109.98 USD
3/27/2026108.96 USD
3/26/2026111.60 USD
3/25/2026112.72 USD
3/24/2026111.65 USD
3/23/2026111.11 USD
3/20/2026110.14 USD
3/19/2026109.26 USD
3/18/2026109.26 USD
3/17/2026110.71 USD
3/16/2026110.97 USD
3/13/2026110.38 USD
3/12/2026111.94 USD
3/11/2026111.73 USD
3/10/2026112.70 USD
3/9/2026113.96 USD
3/6/2026113.49 USD
3/5/2026117.46 USD
3/4/2026119.19 USD
3/3/2026117.74 USD
3/2/2026117.65 USD
2/27/2026115.88 USD
2/26/2026123.73 USD
2/25/2026121.90 USD
2/24/2026119.61 USD
2/23/2026120.05 USD
2/20/2026126.85 USD
2/19/2026126.12 USD
2/18/2026127.86 USD
2/17/2026127.77 USD
2/13/2026128.77 USD
2/12/2026128.99 USD
2/11/2026132.16 USD
2/10/2026132.87 USD
2/9/2026134.29 USD
2/6/2026134.32 USD
2/5/2026132.06 USD
2/4/2026130.97 USD
2/3/2026127.96 USD
2/2/2026128.05 USD
1/30/2026127.14 USD
1/29/2026127.27 USD
1/28/2026124.66 USD
1/27/2026124.90 USD
1/26/2026122.50 USD
1/23/2026123.17 USD
1/22/2026125.07 USD
1/21/2026126.34 USD
1/20/2026120.51 USD
1/16/2026122.07 USD
1/15/2026123.30 USD
1/14/2026120.74 USD
1/13/2026118.80 USD
1/12/2026118.98 USD
1/9/2026121.54 USD
1/8/2026122.96 USD
1/7/2026120.24 USD
1/6/2026121.43 USD
1/5/2026119.73 USD
1/2/2026116.48 USD
12/31/2025115.04 USD
12/30/2025116.68 USD
12/29/2025117.16 USD
12/26/2025118.90 USD
12/24/2025118.90 USD
12/23/2025119.21 USD
12/22/2025119.91 USD
12/19/2025118.95 USD
12/18/2025119.79 USD
12/17/2025118.98 USD
12/16/2025119.03 USD
12/15/2025119.11 USD
12/12/2025118.17 USD
12/11/2025119.88 USD
12/10/2025118.43 USD
12/9/2025113.95 USD
12/8/2025114.24 USD
12/5/2025114.94 USD
12/4/2025115.88 USD
12/3/2025115.00 USD
12/2/2025111.00 USD
12/1/2025112.45 USD
11/28/2025111.08 USD
11/26/2025112.02 USD
11/25/2025112.20 USD
11/24/2025109.21 USD
11/21/2025108.83 USD
11/20/2025104.37 USD
11/19/2025104.08 USD
11/18/2025104.17 USD
11/17/2025103.99 USD
11/14/2025108.40 USD
11/13/2025109.03 USD
11/12/2025109.81 USD
11/11/2025109.80 USD
11/10/2025110.23 USD
11/7/2025108.99 USD
11/6/2025107.06 USD
11/5/2025107.16 USD
11/4/2025106.28 USD
11/3/2025107.31 USD
10/31/2025106.88 USD
10/30/2025107.52 USD
10/29/2025108.69 USD
10/28/2025112.29 USD
10/27/2025112.44 USD
10/24/2025112.90 USD
10/23/2025111.17 USD
10/22/2025111.40 USD
10/21/2025111.87 USD
10/20/2025112.36 USD
10/17/2025109.11 USD
10/16/2025107.43 USD
10/15/2025116.25 USD
10/14/2025118.42 USD
10/13/2025116.21 USD
10/10/2025114.74 USD
10/9/2025118.67 USD
10/8/2025118.98 USD
10/7/2025118.39 USD
10/6/2025119.99 USD
10/3/2025119.50 USD
10/2/2025118.30 USD
10/1/2025118.30 USD
9/30/2025118.35 USD
9/29/2025118.49 USD
9/28/2025118.49 USD
9/25/2025119.43 USD
9/24/2025118.80 USD
9/23/2025119.89 USD
9/22/2025119.51 USD
9/19/2025122.55 USD
9/18/2025124.18 USD
9/17/2025120.54 USD
9/16/2025118.89 USD
9/15/2025120.40 USD
9/12/2025121.27 USD
9/11/2025121.68 USD
9/10/2025121.99 USD
9/9/2025122.40 USD
9/8/2025125.59 USD
9/5/2025124.63 USD
9/4/2025123.63 USD
9/3/2025121.45 USD
9/2/2025121.53 USD
8/29/2025122.20 USD
8/28/2025122.25 USD
8/27/2025122.99 USD
8/26/2025122.72 USD
8/25/2025120.56 USD
8/22/2025121.33 USD
8/21/2025115.19 USD
8/20/2025115.76 USD
8/19/2025115.93 USD
8/18/2025115.67 USD
8/15/2025115.09 USD
8/14/2025117.06 USD
8/13/2025116.68 USD
Access this data via the Eulerpool API

UMB Financial Revenue, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2021
1.24 B USD
353.02 M USD
Jan 1, 2022
1.58 B USD
431.68 M USD
Jan 1, 2023
2.24 B USD
350.02 M USD
Jan 1, 2024
2.64 B USD
441.24 M USD
Jan 1, 2025
4.44 B USD
702.40 M USD
Jan 1, 2026 (e)
2.96 B USD
983.18 M USD
Jan 1, 2027 (e)
3.15 B USD
1.05 B USD
Jan 1, 2028 (e)
3.40 B USD
1.17 B USD

UMB Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 13, 2026, 5:43 AM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
NET INCOMEB USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
20132014201520162017201820192020202120222023202420252026e2027e2028e
0.810.790.740.870.981.071.221.301.241.582.242.644.442.963.153.40
10.85-2.60-5.3416.6712.679.3014.036.23-4.1727.5641.7617.4768.55-33.316.348.03
90.5896.1895.4393.0989.8881.9581.5483.9494.6883.4557.2253.3054.4054.4054.4054.40
0.730.760.710.810.880.880.991.091.181.321.281.412.421.611.711.85
0.130.120.120.160.250.200.240.290.350.430.350.440.700.981.051.17
9.02-9.77-3.3336.2156.33-21.0524.6217.7023.4322.10-18.7926.0059.1840.036.3111.67
0.870.910.950.991.041.171.211.251.381.491.531.571.631.811.912.02
4.824.604.404.215.0512.503.423.3110.407.972.682.613.8211.045.525.76
44.5145.6649.0749.6249.8449.2349.1948.2648.8548.7448.8649.1876.4876.4876.4876.48
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales UMB Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue UMB Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare UMB Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares UMB Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against UMB Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

UMB Financial stock margins

The UMB Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of UMB Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for UMB Financial.
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Profit margin
Details
Date
Profit margin
Jan 1, 2021
28.42 %
Jan 1, 2022
27.27 %
Jan 1, 2023
15.59 %
Jan 1, 2024
16.73 %
Jan 1, 2025
15.81 %
Jan 1, 2026 (e)
33.17 %
Jan 1, 2027 (e)
33.18 %
Jan 1, 2028 (e)
34.29 %

UMB Financial Revenue per Share, Earnings per Share

The UMB Financial earnings per share therefore indicates how much revenue UMB Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
25.42 USD
7.23 USD
Jan 1, 2022
32.48 USD
8.86 USD
Jan 1, 2023
45.94 USD
7.16 USD
Jan 1, 2024
53.62 USD
8.97 USD
Jan 1, 2025
58.11 USD
9.18 USD
Jan 1, 2026 (e)
39.02 USD
12.94 USD
Jan 1, 2027 (e)
41.48 USD
13.77 USD
Jan 1, 2028 (e)
44.82 USD
15.37 USD

UMB Financial business model & stock analysis

UMB Financial Corp is a financial holding company based in Kansas City, offering a comprehensive range of financial services since its establishment in 1913. The company serves customers in multiple states and has developed a wide range of banking and financial services over the years, including loans, banking and trust services, investment and insurance products, and more. Founded as United Missouri Bank, the company is now a diversified financial institution with four main business segments: banking, investment management, asset management, and retail customers. In the banking business, UMB Financial Corp offers a wide range of financial solutions, including savings accounts, checking accounts, credit cards, and loans. The company also specializes in working in the areas of healthcare, municipal, and corporate finance. In investment management, UMB Wealth Management offers a broad range of asset management services, including investment management, investment advice, and brokerage services. In the asset management area, UMB Vault Trust offers a wide range of trust services, including trusts, estate planning, and registry services. The company also has specialized teams that focus on various industries such as healthcare and energy. For retail customers, UMB Financial Corp is a trusted partner that develops individual solutions for each customer. The company prides itself on offering personal advice and comprehensive financial solutions tailored to the needs of each customer. UMB Financial Corp also has an online banking platform called UMB Direct, where customers can manage their accounts online, make transactions, and more. The history of UMB Financial Corp is characterized by continuous growth and innovation. In the 1980s, the company expanded through the acquisition of smaller banks, thus reaching a larger customer base. In the early 2000s, UMB Financial Corp expanded its offering of investment and asset management services to provide its customers with a broader range of financial solutions. The company has been listed on the stock exchange since 1998 and has received numerous awards over the years for its services and commitment to the community. UMB Financial Corp strives to be a leading provider of financial services in the US and strengthen its customer relationships through high-quality personal and digital interactions. In summary, UMB Financial Corp is a diversified financial institution with a comprehensive range of banking and financial services. The company has developed a wide range of services over the years to meet the needs of its customers. The four main business segments – banking, investment management, asset management, and retail customers – offer a wide range of products and services tailored to the specific needs of each customer.

UMB Financial SWOT Analysis

Strengths

UMB Financial Corp boasts a strong financial position, with consistent revenue growth and solid profit margins. Its diverse range of financial products and services allows for multiple revenue streams and positions the company well in the competitive market. UMB Financial Corp also has a strong brand image and a well-established customer base, leading to customer loyalty and trust.

Additionally, UMB Financial Corp has a dedicated and knowledgeable workforce, comprising skilled professionals in the financial industry, who contribute to the company's success. The company's robust technological infrastructure further enhances operational efficiency and customer convenience.

Weaknesses

Despite its strengths, UMB Financial Corp faces certain weaknesses that require attention. The company has limited geographic presence, primarily operating in select regions. This limits its potential customer reach and exposes it to regional economic fluctuations.

Furthermore, UMB Financial Corp may face challenges in adapting quickly to emerging technologies and industry trends. This could impact its competitiveness and ability to meet evolving customer expectations. The company's dependence on traditional banking services may also restrict its diversification opportunities in the digital era.

Opportunities

The dynamic financial market presents numerous opportunities for UMB Financial Corp. Expansion into new geographic regions can lead to increased market share and revenue. The company can leverage its strong brand and customer trust to cross-sell additional financial products and enter untapped segments.

Moreover, embracing emerging technologies, such as fintech and digital banking, can unlock new opportunities for growth and customer engagement. UMB Financial Corp can also explore strategic partnerships and acquisitions to enhance its capabilities and expand its reach into different financial sectors.

Threats

UMB Financial Corp operates in a highly competitive industry, facing constant threats from traditional banks as well as new market entrants. Intense competition can put pressure on pricing and erode profit margins. Additionally, regulatory changes in the financial sector can pose compliance challenges and increase operational costs.

The rapid advancement of technology also presents a threat, as UMB Financial Corp must continuously invest in innovation to stay at par with industry standards. Cybersecurity risks, including data breaches and fraudulent activities, pose significant threats to the company's reputation and customer trust.

UMB Financial Employees

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UMB Financial Employees
Details
Date
UMB Financial Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

UMB Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

UMB Financial historical P/E ratio, EBIT multiple, and P/S ratio

UMB Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

UMB Financial shares outstanding

The number of shares of UMB Financial was 76.48 M in 2025. This indicates how many shares UMB Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
48.85 M Stocks
Jan 1, 2022
48.74 M Stocks
Jan 1, 2023
48.86 M Stocks
Jan 1, 2024
49.18 M Stocks
Jan 1, 2025
76.48 M Stocks
Jan 1, 2026 (e)
76.48 M Stocks
Jan 1, 2027 (e)
76.48 M Stocks
Jan 1, 2028 (e)
76.48 M Stocks

UMB Financial stock splits

In UMB Financial's history, there have been no stock splits.

UMB Financial Dividend History

38 years of dividend payments · 18 consecutive increases

YearAnnual DividendYoY ChangePayments
20261.36USDYTD
Mar 10, 20260.43USD 0.0%1/3
Jun 10, 20260.43USD 0.0%2/3
Sep 10, 2026Declared0.50USD 16.3%3/3
20251.63USD 3.8%
Mar 10, 20250.40USD 0.0%1/4
Jun 10, 20250.40USD 0.0%2/4
Sep 10, 20250.40USD 0.0%3/4
Dec 10, 20250.43USD 7.5%4/4
20241.57USD 2.6%
20231.53USD 2.7%
20221.49USD 8.0%
20211.38USD 10.4%
20201.25USD 3.3%
20191.21USD 3.4%
20181.17USD 12.5%
20171.04USD 5.1%

UMB Financial dividend history and estimates

In 2025, UMB Financial paid a dividend amounting to 1.63 USD. Dividend means that UMB Financial distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2021
1.38 USD
0.00 USD
Jan 1, 2022
1.49 USD
0.00 USD
Jan 1, 2023
1.53 USD
0.00 USD
Jan 1, 2024
1.57 USD
0.00 USD
Jan 1, 2025
1.63 USD
0.00 USD
Jan 1, 2026 (e)
1.36 USD
0.45 USD
Jan 1, 2027 (e)
0.00 USD
1.91 USD
Jan 1, 2028 (e)
0.00 USD
2.02 USD

UMB Financial dividend payout ratio

In 2025, UMB Financial had a payout ratio of 17.75%. The payout ratio indicates the percentage of the company's profits that UMB Financial distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
19.10 %
Jan 1, 2022
16.82 %
Jan 1, 2023
21.36 %
Jan 1, 2024
17.50 %
Jan 1, 2025
17.75 %
Jan 1, 2026 (e)
14.01 %
Jan 1, 2027 (e)
13.89 %
Jan 1, 2028 (e)
13.12 %

Current UMB Financial forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
3.57 %
Buy
83.33 % (15)
Hold
16.67 % (3)
Sell
0.00 % (0)
12M Price Target
147.90
Last Price
144.81
Currency
USD
12M Return Potential
2.13 %
LTM Return
0 %

UMB Financial Analyst Rating Actions

DateFirmActionRatingReliability
7/30/2026
TD Cowen
TD Cowen
MaintainedBuy60
7/30/2026
RBC Capital
RBC Capital
MaintainedOutperform52
7/30/2026
Piper Sandler
Piper Sandler
MaintainedOverweight51
7/30/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform
7/10/2026
Truist Securities
Truist Securities
MaintainedBuy
7/6/2026
Wells Fargo
Wells Fargo
MaintainedEqual Weight56
6/29/2026
Morgan Stanley
Morgan Stanley
MaintainedOverweight60
6/26/2026
Piper Sandler
Piper Sandler
MaintainedOverweight51
6/25/2026
Citigroup
Citigroup
MaintainedNeutral48
4/30/2026
TD Cowen
TD Cowen
MaintainedBuy60

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

UMB Financial Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/28/20263.18USD-741.10 MUSD-2026 Q2
4/28/20262.84USD-714.84 MUSD-2026 Q1
1/27/20262.60USD-688.61 MUSD-2025 Q4
4/23/20241.70USD-368.30 MUSD-2024 Q1
1/22/20241.49USD-369.05 MUSD-2023 Q4
7/24/20232.01USD-377.38 MUSD-2023 Q2
4/24/20231.96USD-372.82 MUSD-2023 Q1
1/23/20232.07USD-376.82 MUSD-2022 Q4
10/25/20222.19USD-377.33 MUSD-2022 Q3
7/26/20221.93USD-352.75 MUSD-2022 Q2
...

EESG©

Eulerpool ESG Scorecard© for the UMB Financial stock

52/100
21
Environment
68
Social
67
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

UMB Financial shareholder structure

% Name
12.30183%
BLACKROCK, INC.
BLACKROCK, INC.
6.21850%
UMB BANK, N.A.
UMB BANK, N.A.
5.44526%
VANGUARD PORTFOLIO MANAGEMENT LLC
VANGUARD PORTFOLIO MANAGEMENT LLC
5.24171%
STATE STREET CORP
STATE STREET CORP
4.08280%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
3.83087%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
...

UMB Financial Beneficial Ownership Filings (SEC 13D/G)

Free Float
95.1%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
10.60%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
8.89%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
7.78%
Advisory Research, Inc. / 36-2831881
Advisory Research, Inc. / 36-2831881
SEC ↗
7.52%
STATE STREET CORPORATION
STATE STREET CORPORATION
SEC ↗
7.25%
FMR LLC
FMR LLC
SEC ↗
7.25%
Edward C. Johnson 3d
Edward C. Johnson 3d
SEC ↗
6.57%
American Century Companies, Inc.
American Century Companies, Inc.
SEC ↗
6.42%
04-2683227
04-2683227
SEC ↗
6.34%
BlackRock for purposes of Schedule 13G filings.
BlackRock for purposes of Schedule 13G filings.
SEC ↗
5.48%
Vanguard Portfolio Management
Vanguard Portfolio Management
SEC ↗

UMB Financial Executives and Management Board

30 members · avg. age 56 · 37 % women

JK

Mr. J. Mariner Kemper (52)

Chairman of the Board, Chief Executive Officer · since 1997

6.63 M USD

Management

JR

Mr. James Rine (54)

President

3.62 M USD
RS

Mr. Ram Shankar (52)

Chief Financial Officer, Executive Vice President

1.75 M USD
SJ

Ms. Shannon Johnson (45)

Executive Vice President, Chief Administrative Officer

1.65 M USD
NN

Mr. Nikki Newton (53)

President of Private Wealth Management of UMB Bank

1.44 M USD
TT

Mr. Thomas Terry (61)

Executive Vice President, Chief Credit Officer

1.39 M USD
EL

Ms. Elizabeth Lewis (51)

President of Consumer Banking

Board of Directors

GG

Mr. Greg Graves (67)

Lead Independent Director

182,533.00 USD
GL

Mr. Gordon Lansford (54)

Independent Director

165,018.00 USD
KR

Mr. Kris Robbins (66)

Independent Director

160,018.00 USD
RB

Ms. Robin Beery (57)

Independent Director

155,018.00 USD
KG

Mr. Kevin Gallagher (56)

Independent Director

150,018.00 USD
TM

Mr. Timothy Murphy (69)

Independent Director

150,018.00 USD

Frequently asked questions about UMB Financial

UMB Financial Corp is a diversified financial holding company headquartered in Kansas City, Missouri. The business model of UMB Financial Corp revolves around providing a comprehensive range of banking, asset management, and payment solutions to individuals, businesses, institutions, and municipalities. The company offers a wide variety of financial services, including commercial banking, investment banking, treasury management, trust and custody, healthcare banking, and asset servicing. UMB Financial Corp strives to deliver customized financial solutions tailored to the unique needs and goals of its diverse client base. With a strong focus on customer satisfaction and innovation, UMB Financial Corp continues to drive growth and create value for its stakeholders.

UMB Financial Corp is primarily active in the financial services industry.

The main competitors of UMB Financial Corp in the market are Wells Fargo & Company, Bank of America Corporation, and JPMorgan Chase & Co.

UMB Financial Corp is a leading financial services company with a rich history and solid background. Founded in 1913, UMB Financial Corp has been serving individuals, businesses, and institutional clients with innovative financial solutions for over a century. Headquartered in Kansas City, Missouri, the company has grown and expanded its operations, now offering a wide range of banking, asset management, and payment solutions. Committed to community development and customer satisfaction, UMB Financial Corp has established itself as a trusted financial partner, combining traditional values with modern techniques to meet the evolving needs of its clients.

UMB Financial Corp has achieved several significant milestones. One noteworthy achievement is its consistent growth in assets and deposits over the years. Additionally, the company has successfully expanded its presence in various markets, providing a wide range of financial services such as commercial banking, wealth management, and investment banking. UMB Financial Corp has also received notable recognition, including being named one of the Best Banks in America by Forbes and securing a spot on the prestigious Fortune 1000 list. These achievements highlight UMB Financial Corp's commitment to delivering exceptional financial solutions and solidifying its position as a reliable and reputable company in the industry.

UMB Financial Corp is primarily present in the United States.

UMB Financial Corp represents values of integrity, collaboration, and excellence. With a strong corporate philosophy focused on delivering customer satisfaction, UMB Financial Corp strives to provide innovative financial solutions and exceptional service. As a leading financial institution, UMB Financial Corp is committed to building long-term relationships based on trust and transparency. By combining its expertise in banking, asset management, and healthcare services, UMB Financial Corp empowers individuals and businesses to achieve their financial goals. Emphasizing ethical practices and responsible banking, UMB Financial Corp continues to drive growth and support the communities it serves.

Analysts currently set an average price target of 147.90 USD for the UMB Financial stock (median: 147.90 USD), implying +2.1 % versus the latest price. The consensus is based on 18 analyst ratings.

18 analysts currently rate the UMB Financial stock: 15 recommend buying, 3 holding and 0 selling. For 2026, analysts expect UMB Financial to generate revenue of 2.96 B USD and earnings per share of 12.86 USD.

Converted at the current exchange rate, the UMB Financial share trades at 125.55 EUR (144.81 USD).

The UMB Financial share (UMBF) is listed on 3 stock exchanges, including: NASDAQ (UMBF), Frankfurt (UMB.F), München (UMB.MU).

The UMB Financial Corporation is a financial services company based in Kansas City, USA. It was founded in 1913 and offers a variety of financial products and services for retail customers, middle-market businesses, and institutional investors. UMB's business model is diverse and includes multiple segments. The most important segment is commercial banking, where the company provides loans and credit to small and medium-sized businesses. UMB offers a range of financing solutions, such as working capital loans, investment loans, and real estate financing. Additionally, UMB provides its customers with cash management tools, such as treasury management systems, to efficiently manage their liquidity. The wealth management segment of UMB is another important part of its business model. The company offers personalized investment and financial advice, as well as asset management services for clients. This includes a variety of investment options such as stocks, bonds, funds, or alternative investments. UMB's wealth management segment is tailored to the individual needs of its clients and emphasizes providing customized solutions. Another significant segment is UMB's payment solutions business. The company offers various payment processing and payment solutions for businesses and retailers. This includes electronic payments, credit card processing, gift card processing, and more. Finally, UMB also has a specialized segment for institutional investors. This is the institutional asset management segment, which focuses on managing assets for pension funds, foundations, and other institutions. Here as well, the company provides customized solutions to meet the specific requirements of this group. In summary, UMB offers a wide range of financial products and services for retail and business customers. The company's business model is distributed across various segments and focuses on providing tailored solutions to meet the individual needs of its customers. With a strong focus on technological innovations and digitized processes, UMB also offers its customers a modern and efficient banking experience.

The expected revenue of UMB Financial is 2.96 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of UMB Financial is 983.18 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of UMB Financial is currently 11.26. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the UMB Financial stock.

The price-to-sales ratio (P/S) of UMB Financial is currently 3.74. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the UMB Financial stock.

The Eulerpool Quality Score for UMB Financial is 8/10.

The ISIN of UMB Financial is US9027881088. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of UMB Financial is 900421. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of UMB Financial is UMBF. The ticker symbol is used to trade UMB Financial shares on the stock exchange.

Over the past 12 months, UMB Financial paid a dividend of 1.63 USD . This corresponds to a dividend yield of about 1.13 %. For the coming 12 months, UMB Financial is expected to pay a dividend of 1.91 USD.

The current dividend yield of UMB Financial is 1.13 %.

UMB Financial pays a dividend, distributed in the months of , , , .

UMB Financial paid dividends every year for the past 37 years.

For the upcoming 12 months, dividends amounting to 1.91 USD are expected. This corresponds to a dividend yield of 1.32 %.

UMB Financial is assigned to the 'Finance' sector.

To receive the latest dividend of UMB Financial from amounting to 0.5 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, UMB Financial distributed 1.57 USD as dividends.

The dividends of UMB Financial are distributed in USD.

All fundamentals and in-depth analysis of UMB Financial

Our stock analysis for UMB Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of UMB Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.