UMBF
Bearish signalScored 2026-09-07 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
UMB Financial Corporation
- Nom
- UMB Financial Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $10.3B
- Employés
- 5,222
- PDG
- J. Mariner Kemper
- Site web
- https://www.umb.com
- Marché
- CBSHCFGCFRCOLBFBKNBHC
UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Comprehensive treasury management services are also available, encompassing depository functions, account reconciliation, cash management tools, accounts payable and receivable solutions, electronic funds transfers, automated payments, controlled disbursements, lockbox services, and remote deposit capture. The Institutional Banking division caters specifically to institutional clients, offering asset management and healthcare services. Its extensive offerings include fund administration and accounting, investor services, transfer agency functions, marketing and distribution support, custody, and alternative investment services. This segment also manages fixed-income sales, trading, and underwriting, alongside providing corporate trust, escrow, and institutional custody services. A notable feature of this division is its healthcare payment solutions, which incorporate custodial services for health savings accounts and versatile private-label debit cards. These solutions are extended to a diverse clientele, including insurance carriers, third-party administrators, software companies, employers, and financial institutions. For individual customers, the Personal Banking segment presents a suite of services such as deposit accounts, retail credit cards, and private banking. It also provides various loan products, including installment loans, home equity lines of credit, residential mortgages, and small business loans. These offerings are complemented by internet banking, an expansive ATM network, brokerage, insurance, advisory, and trust services. The company operates a substantial network of branches and offices across 17 states: Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. Established in 1913, UMB Financial Corporation maintains its headquarters in Kansas City, Missouri.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 967,2 titres (~135 021,16 $ US) VENTE TOTALE: 1 737 titres (~252 813,74 $ US)
- Insiders
- Peterman TamaraGRAVES GREG MMurphy Susan GGallagher Kevin Charles
- Total bought
-
$135,021
Avg buy (VWAP, 90d window) $139.60 vs last close —
- Total sold
-
$2,337,377
Avg sell (VWAP, 90d window) $149.20 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-01
- Last synced
-
2026-09-07 10:23:47
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-01 | GRAVES GREG M | Buy · P | 573 | $139.60 | $80,011 | Form 4 |
| 2026-09-01 | Peterman Tamara | Buy · P | 394 | $139.60 | $55,010 | Form 4 |
| 2026-08-17 | Shankar Ram | Sell · S | 2,000 | $151.61 | $303,220 | Form 4 |
| 2026-08-17 | Terry Thomas S | Sell · S | 5,713 | $151.77 | $867,062 | Form 4 |
| 2026-08-06 | Murphy Susan G | Sell · S | 902 | $145.50 | $131,241 | Form 4 |
| 2026-08-05 | Odgers David Carl | Sell · S | 145 | $147.30 | $21,358 | Form 4 |
| 2026-08-04 | Mason Phillip James | Sell · S | 800 | $147.00 | $117,600 | Form 4 |
| 2026-08-04 | Newton Nikki Farentino | Sell · S | 1 | $148.72 | $149 | Form 4 |
| 2026-08-04 | Wilson Uma | Sell · S | 4,145 | $148.00 | $613,460 | Form 4 |
| 2026-07-31 | Beaird Robert Brian | Sell · S | 1,600 | $144.40 | $231,040 | Form 4 |
| 2026-07-31 | Gallagher Kevin Charles | Sell · S | 360 | $145.13 | $52,247 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-04-09 | Josh S. Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2024-05-22 | Josh S. Gottheimer | Purchase | $1,001 - $15,000 |
| 2023-12-20 | Josh S. Gottheimer | Purchase | $1,001 - $15,000 |
Signal
Bearish signalScored 2026-09-07 Drivers: fundamentals. Moteurs : fondamentaux.
UMBF presents a deeply concerning risk profile driven by critically low liquidity ratios (0.015 current/quick) and an interest coverage ratio below 1, signaling the company cannot reliably service its debt from…
The first sentence of the analysis written for UMBF on 2026-09-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Sale value outweighs purchases
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.01 · operating margin 20% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 54.4% | 53.3% | 57.2% | 83.5% | 94.7% | |
| Ebit Margin | 20.3% | 20.5% | 18.8% | 33.6% | 34.5% | |
| Ebitda Margin | 23.9% | 22.5% | 21.4% | 37.0% | 39.0% | |
| Operating Profit Margin | 20.3% | 20.5% | 18.8% | 33.6% | 34.5% | |
| Pretax Profit Margin | 19.7% | 20.5% | 18.8% | 33.6% | 34.5% | |
| Continuous Operations Profit Margin | 15.8% | 16.7% | 15.6% | 27.3% | 28.4% | |
| Net Profit Margin | 15.8% | 16.7% | 15.6% | 27.3% | 28.4% | |
| Bottom Line Profit Margin | 15.4% | 16.7% | 15.6% | 27.3% | 28.4% | |
| Current Ratio | 0.015 | 0.363 | 0.336 | 0.262 | 0.554 | |
| Quick Ratio | 0.015 | 0.363 | 0.336 | 0.262 | 0.554 | |
| Solvency Ratio | 0.013 | 0.011 | 0.010 | 0.014 | 0.010 | |
| Cash Ratio | 0.015 | 0.186 | 0.143 | 0.048 | 0.237 | |
| Price To Earnings Ratio | 12.504 | 12.471 | 11.572 | 9.353 | 14.516 | |
| Price To Earnings Growth Ratio | 7.544 | 0.492 | -0.604 | 0.422 | 0.635 | |
| Forward Price To Earnings Growth Ratio | 7.544 | 0.492 | -0.604 | 0.422 | 0.635 | |
| Price To Earnings Diluted Ratio | 12.600 | 12.554 | 11.636 | 9.427 | 14.656 | |
| Price To Earnings Diluted Growth Ratio | 8.091 | 0.498 | -0.614 | 0.421 | 0.663 | |
| Price To Book Ratio | 1.135 | 1.587 | 1.307 | 1.514 | 1.628 | |
| Price To Sales Ratio | 1.965 | 2.086 | 1.806 | 2.550 | 4.124 | |
| Price To Free Cash Flow Ratio | 8.929 | 27.361 | 9.093 | 5.624 | 10.236 | |
| Price To Operating Cash Flow Ratio | 8.507 | 24.421 | 8.575 | 5.246 | 9.590 | |
| Debt To Assets Ratio | 0.052 | 0.059 | 0.080 | 0.068 | 0.082 | |
| Debt To Equity Ratio | 0.494 | 0.864 | 1.130 | 0.976 | 1.116 | |
| Debt To Capital Ratio | 0.331 | 0.464 | 0.530 | 0.494 | 0.527 | |
| Long Term Debt To Capital Ratio | 0.058 | 0.100 | 0.110 | 0.125 | 0.079 | |
| Financial Leverage Ratio | 9.501 | 14.542 | 14.195 | 14.440 | 13.573 | |
| Working Capital Turnover Ratio | -0.095 | -0.095 | -0.086 | -0.073 | -0.073 | |
| Operating Cash Flow Ratio | 0.016 | 0.005 | 0.012 | 0.022 | 0.014 | |
| Operating Cash Flow Sales Ratio | 0.231 | 0.085 | 0.211 | 0.486 | 0.430 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.953 | 0.893 | 0.943 | 0.933 | 0.937 | |
| Debt Service Coverage Ratio | 0.184 | 0.131 | 0.101 | 0.199 | 0.124 | |
| Interest Coverage Ratio | 0.603 | 0.463 | 0.459 | 2.378 | 9.327 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.309 | 0.086 | 0.151 | 0.346 | 0.165 | |
| Operating Cash Flow Coverage Ratio | 0.270 | 0.075 | 0.135 | 0.296 | 0.152 | |
| Capital Expenditure Coverage Ratio | 21.132 | 9.307 | 17.562 | 14.880 | 15.854 | |
| Dividend Paid And Capex Coverage Ratio | 5.574 | 2.223 | 4.672 | 6.219 | 5.318 | |
| Dividend Payout Ratio | 0.193 | 0.175 | 0.212 | 0.167 | 0.189 | |
| Enterprise Value Multiple | 10.924 | -0.106 | 4.056 | 8.466 | -1.287 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 54.4% | ▲1.1% | ▼-14.2% |
| Ebit Margin | 20.2% | ▼-0.3% | ▼-5.3% |
| Ebitda Margin | 23.9% | ▲1.3% | ▼-4.9% |
| Operating Profit Margin | 20.2% | ▼-0.3% | ▼-5.3% |
| Pretax Profit Margin | 19.7% | ▼-0.8% | ▼-5.7% |
| Continuous Operations Profit Margin | 15.8% | ▼-0.9% | ▼-5.0% |
| Net Profit Margin | 15.8% | ▼-0.9% | ▼-5.0% |
| Bottom Line Profit Margin | 15.4% | ▼-1.3% | ▼-5.3% |
| Current Ratio | 0.015 | ▼-0.349 | ▼-0.291 |
| Quick Ratio | 0.015 | ▼-0.349 | ▼-0.291 |
| Solvency Ratio | 0.013 | ▲0.003 | ▲0.002 |
| Cash Ratio | 0.015 | ▼-0.171 | ▼-0.111 |
| Price To Earnings Ratio | 12.504 | ▲0.034 | ▲0.421 |
| Price To Earnings Growth Ratio | 7.544 | ▲7.052 | ▲5.846 |
| Forward Price To Earnings Growth Ratio | 7.544 | ▲7.052 | ▲5.846 |
| Price To Earnings Diluted Ratio | 12.600 | ▲0.046 | ▲0.425 |
| Price To Earnings Diluted Growth Ratio | 8.091 | ▲7.593 | ▲6.279 |
| Price To Book Ratio | 1.135 | ▼-0.452 | ▼-0.299 |
| Price To Sales Ratio | 1.966 | ▼-0.121 | ▼-0.541 |
| Price To Free Cash Flow Ratio | 8.930 | ▼-18.431 | ▼-3.319 |
| Price To Operating Cash Flow Ratio | 8.507 | ▼-15.914 | ▼-2.761 |
| Debt To Assets Ratio | 0.052 | ▼-0.007 | ▼-0.016 |
| Debt To Equity Ratio | 0.494 | ▼-0.370 | ▼-0.422 |
| Debt To Capital Ratio | 0.331 | ▼-0.133 | ▼-0.139 |
| Long Term Debt To Capital Ratio | 0.058 | ▼-0.042 | ▼-0.036 |
| Financial Leverage Ratio | 9.501 | ▼-5.041 | ▼-3.749 |
| Working Capital Turnover Ratio | -0.095 | ▼-0.000 | ▼-0.011 |
| Operating Cash Flow Ratio | 0.016 | ▲0.011 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.231 | ▲0.146 | ▼-0.058 |
| Free Cash Flow Operating Cash Flow Ratio | 0.953 | ▲0.060 | ▲0.021 |
| Debt Service Coverage Ratio | 0.184 | ▲0.054 | ▲0.036 |
| Interest Coverage Ratio | 0.603 | ▲0.141 | ▼-2.043 |
| Short Term Operating Cash Flow Coverage Ratio | 0.309 | ▲0.223 | ▲0.097 |
| Operating Cash Flow Coverage Ratio | 0.270 | ▲0.195 | ▲0.085 |
| Capital Expenditure Coverage Ratio | 21.132 | ▲11.825 | ▲5.385 |
| Dividend Paid And Capex Coverage Ratio | 5.574 | ▲3.350 | ▲0.773 |
| Dividend Payout Ratio | 0.193 | ▲0.018 | ▲0.006 |
| Enterprise Value Multiple | 10.924 | ▲11.029 | ▲6.513 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $8.73B | $5.50B | $4.05B | $4.04B | $5.12B | |
| Enterprise value | $11.58B | -$62.7M | $1.95B | $4.96B | -$623.7M | |
| EV / Sales | 2.61x | -0.02x | 0.87x | 3.13x | -0.50x | |
| EV / Op. cash flow | 11.28x | -0.28x | 4.12x | 6.45x | -1.17x | |
| EV / Free cash flow | 11.84x | -0.31x | 4.37x | 6.91x | -1.25x | |
| EV / EBITDA | 10.92x | -0.11x | 4.06x | 8.47x | -1.29x | |
| Net debt / EBITDA | 2.69x | -9.37x | -4.38x | 1.58x | -11.85x | |
| Current ratio | 0.01x | 0.36x | 0.34x | 0.26x | 0.55x | |
| Income quality | 1.46x | 0.51x | 1.35x | 1.78x | 1.51x | |
| Graham number | $145 | $120 | $102 | $105 | $104 | |
| Graham net-net | -$849 | -$621 | -$574 | -$554 | -$373 | |
| Tax burden | 80.3% | 81.5% | 83.0% | 81.1% | 82.3% | |
| Interest burden | 97.2% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$63.97B | -$29.36B | -$26.11B | -$25.92B | -$17.44B | |
| Invested capital | -$61.25B | -$28.87B | -$25.59B | -$25.37B | -$16.98B | |
| Return on assets | 1.0% | 0.9% | 0.8% | 1.1% | 0.8% | |
| Operating ROA | 1.5% | 1.1% | 1.0% | 1.3% | 1.1% | |
| Return on tangible assets | 1.0% | 0.9% | 0.8% | 1.1% | 0.8% | |
| Return on equity | 9.1% | 12.7% | 11.3% | 16.2% | 11.2% | |
| Return on invested capital | -1.2% | 6.4% | 4.5% | 7.7% | 5.2% | |
| Return on capital employed | 11.0% | 12.6% | 9.0% | 15.6% | 11.9% | |
| Earnings yield | 8.0% | 8.0% | 8.6% | 10.7% | 6.9% | |
| Free cash flow yield | 11.2% | 3.7% | 11.0% | 17.8% | 9.8% | |
| Capex / Op. cash flow | 4.7% | 10.7% | 5.7% | 6.7% | 6.3% | |
| Capex / Depreciation | 34.3% | 45.9% | 45.8% | 95.7% | 60.4% | |
| Capex / Sales | 1.1% | 0.9% | 1.2% | 3.3% | 2.7% | |
| SG&A / Sales | 25.7% | 23.6% | 25.8% | 34.7% | 42.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.8% | 0.9% | 0.8% | 1.4% | 1.7% | |
| Intangibles / Total assets | 3.2% | 0.6% | 0.7% | 0.9% | 0.6% | |
| Days sales outstanding | 0d | 59d | 85d | 114d | 121d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 59d | 85d | 114d | 121d | |
| Cash conversion cycle | 0d | 59d | 85d | 114d | 121d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-04 UMB Financial Corporation''s Growth And Quality Justify Optimism UMB Financial Corporation earns a soft ‘buy'' rating for robust growth, high asset quality, and reasonable valuation. UMBF''s institutional custody business surged 19% YoY to $250B AUC, supporting diversified revenue and Texas expansion. Despite 48.4% of deposits remaining uninsured, management is actively reducing exposure and improving deposit quality.
- 2026-09-04 B. Metzler seel. Sohn & Co. AG Acquires 5,621 Shares of UMB Financial Corporation $UMBF B. Metzler seel. Sohn and Co. AG increased its stake in shares of UMB Financial Corporation (NASDAQ: UMBF) by 14.7% during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor owned 43,882 shares of the bank''s stock after buying an
- 2026-09-03 UMB Financial: Strong Capital And Rate Tailwinds Enable Further Upside UMB Financial remains a buy with over 10% upside, supported by strong capital, loan growth, and fixed income reinvestment tailwinds. Recent Heartland integration has enhanced scale and branch density, positioning UMBF for continued organic growth below the $100B regulatory threshold. Q2 earnings of $3.57 beat estimates, with robust credit quality—net charge-offs at 16 bps and reserves covering over 3x nonperforming loans.
- 2026-09-03 UMB Financial: Attractive Entry After Strong Q2 Growth, Efficiency Gains, And Heartland Integration UMB Financial Corporation delivered 12.8% revenue growth in Q2 2026, beating expectations with strong loan portfolio expansion and commission-based revenue streams. UMBF trades at a discounted 11.5x GAAP P/E and 1.35x P/B, offering an attractive risk-reward profile versus sector peers despite robust profitability and low loan write-offs. Revenue diversification—68% net interest, 32% non-interest—provides resilience against rate volatility, while operational efficiency improved to a 44.8% ratio.
- 2026-09-02 Is UMB Financial (UMBF) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-08-31 Shankar Ram Liquidates 2,000 UMB Financial Shares Despite the 6% reduction in direct holdings, the insider maintains 30,389 shares directly.
- 2026-08-28 Here Are Friday’s Top Wall Street Analyst Research Calls: Baozun, Commerce Bancshares, Element Solutions, Evolution Petroleum, Petrobras, Rythm Pharmaceuticals, Terawulf, UMB Financial, Workday, and More NVIDIA''s blockbuster earnings sent shockwaves through tech on Thursday, but Wall Street analysts were busy reshaping the landscape elsewhere, issuing a flurry of upgrades, downgrades, and fresh initiations across energy, crypto infrastructure, banking, and biotech.
- 2026-08-27 UMB (UMBF) Down 3.3% Since Last Earnings Report: Can It Rebound? UMB (UMBF) reported earnings 30 days ago. What''s next for the stock?
- 2026-08-26 Is the Options Market Predicting a Spike in UMB Financial Stock? Investors need to pay close attention to (Ticker) stock based on the movements in the options market lately.
- 2026-08-21 JPMorgan Sees 25% Upside Potential in This American Financial Services Company JP Morgan analyst Anthony Elian initiated coverage on UMB Financial Corporation (NASDAQ:UMBF) with a Overweight rating and announced price forecast of $180.