UMB Financial UMBF
United StatesFinancial Services · Banks - RegionalUSD
165.06 USD (+28.7%)
16 analysts
Trading 2120.30 €Open account ↗
Lightyear0.90 €Open account ↗
N260.90 €Open account ↗
XTB1.00 €★ featured · affiliateOpen account ↗Trading 2120.30 €Open account ↗Lightyear0.90 €Open account ↗XTB1.00 €★ featured · affiliateOpen account ↗200.00 € order · cheapest cheapest available in your country iCompare all 22 brokers →What does it do?
UMB Financial Corporation is a US regional bank offering commercial banking, wealth management, and payment services to businesses and individuals in the Midwest and other US regions.
Key points
from its scores- ✓High-quality business9.5
- ✓Strong growth7.6
- ✕Little or no dividend4.7
- ✕Fragile balance sheet4.9
- !Weak share-price trend5.9
AI analysis
bottom line, main risk, context and newsFundamentals are solid and valuation is reasonable, but the interest rate environment and moderate regulatory risk warrant caution.
UMBF shows solid financial health (ROE 12.31%, ROA 1.31%) and exceptional quality (operating margin 51.06%), with an attractive valuation (P/E 10.67) and strong growth (earnings +26.20%). The main challenge is the rising interest rate environment in the US, which could compress margins, although its capital position and competitive moat provide resilience.
The main risk is the compression of the net interest margin due to rising interest rates in the US, which could affect the bank's future profitability.
Context and risks
UMBF is a US regional bank. The interest rate environment is the most relevant macro factor: the rise in long-term US rates (10-year at 5.28%) could compress net interest margins if deposit costs rise faster than asset yields. Additionally, the strength of the dollar and the fall in gold have no direct impact on its banking business. The main risk is regulatory, moderate in the US for regional banking, with an.
Is UMB Financial stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 27% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 10.7 | 13.7 | −22% |
| Price / book | 1.3 | 1.9 | −32% |
| Price / sales | 3.5 | 3.5 | +0% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.6 out of 10 (median for Financial Services: 5.2).
Average analyst target: 165.06 USD, +28.7% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 4.9 (sector 5.5), Growth 7.6 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 10.7
- Forward P/E
- 9.2
- Price / book
- 1.3
- Price / sales
- 3.5
- PEG
- 2.54
- Market cap
- 9.7B USD
- Enterprise value
- 11.6B USD
Profitability
- ROE
- 12.3%
- ROA
- 1.3%
- ROIC (approx.)
- 12.6%
- Gross margin
- 0.0%
- Operating margin
- 51.1%
- Net margin
- 33.5%
Solvency
- Total debt
- 3.7B USD
- Net debt
- 1.6B USD
- Cash
- 2.1B USD
Growth
- Revenue growth
- +12.2%
- Earnings growth
- +26.2%
- EPS (TTM)
- 12.02 USD
- EPS (forward)
- 13.92 USD
Dividend
- Dividend yield
- 1.6%
- Payout
- 14.1%
Risk and market
- Beta
- 0.83
- Analyst consensus
- Buy (16)
- Target price
- 165.06 USD
- 52-week range
- 103.38 – 153.32
Recent news
All UMBF news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about UMB Financial
Is UMB Financial stock cheap or expensive?
On P/E and Price / book, it trades 27% below the Financial Services median on average. Valuation score: 6.6 out of 10 (median for Financial Services: 5.2). Average analyst target: 165.06 USD, +28.7% versus the price. This is not investment advice.
What score does UMB Financial get on MeridIAn Screener?
It scores 6.6 out of 10, rank 483 of 2,130 (better than 77% of the companies analysed). Its strongest category is Quality / Moat (9.5) and its weakest, Dividend (4.7). Analysis of 08/10/2026.
What is UMB Financial's P/E ratio?
Its P/E is 10.7: the share price equals 10.7 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 9.2.
How much is UMB Financial worth on the stock market?
Its market capitalisation is 9.7B USD.
Does UMB Financial pay a dividend?
Yes: its dividend yield is 1.56% and it pays out 14% of its earnings.
How has UMB Financial stock performed over the last year?
It has risen 15.1% over the last year, excluding dividends. Over the last 52 weeks it has traded between 103.38 and 153.32 USD. Past performance does not guarantee future results.
What do analysts think of UMB Financial?
16 analysts cover it; their average recommendation is “Buy” and their average target is 165.06 USD (+28.7% versus the price). It is an estimate, not market data.