(UMBF) UMB Financial - Overview
Stock: Banking, Lending, Treasury, Custody, Healthcare
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.47% |
| Yield on Cost 5y | 2.90% |
| Yield CAGR 5y | 4.25% |
| Payout Consistency | 98.4% |
| Payout Ratio | 11.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.6% |
| Relative Tail Risk | -11.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.53 |
| Alpha | -0.73 |
| Character TTM | |
|---|---|
| Beta | 1.097 |
| Beta Downside | 1.257 |
| Drawdowns 3y | |
|---|---|
| Max DD | 40.60% |
| CAGR/Max DD | 0.40 |
Description: UMBF UMB Financial January 07, 2026
UMB Financial Corporation (NASDAQ:UMBF) is a diversified bank holding company that serves customers in the United States and abroad through three primary segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking unit focuses on middle-market corporate lending, commercial real-estate financing, and a suite of treasury-management tools. Institutional Banking delivers fund administration, custody, and specialized healthcare-payment solutions to institutional clients. Personal Banking provides traditional retail deposits, mortgages, credit cards, and wealth-management services via a branch network and digital channels.
In its most recent quarter (Q4 2023), UMBF reported a net interest margin of 3.45% and loan growth of 5.2% year-over-year, driven largely by strong demand for asset-based lending. Deposits rose 4.8% YoY to $42 billion, supporting a solid liquidity profile, while return on equity held at 12.1%, indicating efficient capital utilization relative to peers in the regional-bank sub-industry.
The regional-bank sector remains highly sensitive to Federal Reserve policy and the health of the commercial-real-estate market. A higher-for-longer interest-rate environment typically expands net interest margins but can suppress loan demand, especially in rate-sensitive sectors such as construction and small-business credit. Moreover, recent data from the Federal Reserve’s Senior Loan Officer Opinion Survey shows a modest uptick in loan-quality concerns, which could pressure credit-loss provisions for banks with significant CRE exposure.
For a deeper, data-driven look at UMBF’s valuation and risk profile, you might explore the analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 702.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.39 > 1.0 |
| NWC/Revenue: -1440 % < 20% (prev -1113 %; Δ -326.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 853.7m > Net Income 702.4m |
| Net Debt (-478.3m) to EBITDA (1.06b): -0.45 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (76.5m) vs 12m ago 55.50% < -2% |
| Gross Margin: 54.41% > 18% (prev 0.53%; Δ 5387 % > 0.5%) |
| Asset Turnover: 7.20% > 50% (prev 5.23%; Δ 1.97% > 0%) |
| Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 1.06b / Interest Expense TTM 1.49b) |
Altman Z'' -5.42
| A: -0.88 (Total Current Assets 952.5m - Total Current Liabilities 64.93b) / Total Assets 73.09b |
| B: 0.05 (Retained Earnings 3.74b / Total Assets 73.09b) |
| C: 0.01 (EBIT TTM 900.0m / Avg Total Assets 61.75b) |
| D: 0.05 (Book Value of Equity 3.55b / Total Liabilities 65.40b) |
| Altman-Z'' Score: -5.42 = D |
What is the price of UMBF shares?
Over the past week, the price has changed by +5.65%, over one month by +10.62%, over three months by +25.94% and over the past year by +17.17%.
Is UMBF a buy, sell or hold?
- StrongBuy: 4
- Buy: 4
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UMBF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 145 | 8% |
| Analysts Target Price | 145 | 8% |
| ValueRay Target Price | 147.2 | 9.6% |
UMBF Fundamental Data Overview January 31, 2026
P/E Forward = 10.8342
P/S = 3.8931
P/B = 1.3065
P/EG = 1.73
Revenue TTM = 4.44b USD
EBIT TTM = 900.0m USD
EBITDA TTM = 1.06b USD
Long Term Debt = 252.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 2.84b USD (from shortTermDebt, two quarters ago)
Debt = 474.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -478.3m USD (from netDebt column, last quarter)
Enterprise Value = 9.25b USD (9.72b + Debt 474.2m - CCE 952.5m)
Interest Coverage Ratio = 0.60 (Ebit TTM 900.0m / Interest Expense TTM 1.49b)
EV/FCF = 11.47x (Enterprise Value 9.25b / FCF TTM 805.7m)
FCF Yield = 8.71% (FCF TTM 805.7m / Enterprise Value 9.25b)
FCF Margin = 18.13% (FCF TTM 805.7m / Revenue TTM 4.44b)
Net Margin = 15.81% (Net Income TTM 702.4m / Revenue TTM 4.44b)
Gross Margin = 54.41% ((Revenue TTM 4.44b - Cost of Revenue TTM 2.03b) / Revenue TTM)
Gross Margin QoQ = 66.42% (prev 44.29%)
Tobins Q-Ratio = 0.13 (Enterprise Value 9.25b / Total Assets 73.09b)
Interest Expense / Debt = 76.84% (Interest Expense 364.4m / Debt 474.2m)
Taxrate = 20.33% (55.0m / 270.3m)
NOPAT = 717.0m (EBIT 900.0m * (1 - 20.33%))
Current Ratio = 0.01 (Total Current Assets 952.5m / Total Current Liabilities 64.93b)
Debt / Equity = 0.06 (Debt 474.2m / totalStockholderEquity, last quarter 7.69b)
Debt / EBITDA = -0.45 (Net Debt -478.3m / EBITDA 1.06b)
Debt / FCF = -0.59 (Net Debt -478.3m / FCF TTM 805.7m)
Total Stockholder Equity = 7.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 702.4m / Total Assets 73.09b)
RoE = 9.63% (Net Income TTM 702.4m / Total Stockholder Equity 7.29b)
RoCE = 11.93% (EBIT 900.0m / Capital Employed (Equity 7.29b + L.T.Debt 252.4m))
RoIC = 9.77% (NOPAT 717.0m / Invested Capital 7.34b)
WACC = 9.50% (E(9.72b)/V(10.20b) * Re(9.96%) + (debt cost/tax rate unavailable))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 25.11%
[DCF Debug] Terminal Value 71.93% ; FCFF base≈627.2m ; Y1≈597.2m ; Y5≈573.2m
Fair Price DCF = 110.3 (EV 7.90b - Net Debt -478.3m = Equity 8.38b / Shares 76.0m; r=9.50% [WACC]; 5y FCF grow -6.25% → 2.90% )
EPS Correlation: 46.81 | EPS CAGR: 9.79% | SUE: 1.57 | # QB: 1
Revenue Correlation: 95.84 | Revenue CAGR: 38.44% | SUE: 4.0 | # QB: 13
EPS next Quarter (2026-03-31): EPS=2.81 | Chg30d=+0.104 | Revisions Net=-3 | Analysts=11
EPS current Year (2026-12-31): EPS=11.93 | Chg30d=+0.384 | Revisions Net=-1 | Growth EPS=+5.1% | Growth Revenue=+7.5%
EPS next Year (2027-12-31): EPS=12.98 | Chg30d=+0.293 | Revisions Net=+0 | Growth EPS=+8.8% | Growth Revenue=+6.3%