Stock Analysis
UMB Financial CorpUMBF
P/E 10.56×· 5Y range 6.33–16.85×· 33th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsStrong Buy21 analystsP/E 10.6× sits at the 33rd percentile of its 5.0513347022587265-year history.
Cash covers 46% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Growth69
- Profitability62
Risks
- Financial Health26
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Revenue CAGR 32.9% — durable top-line growth
What's happening with UMBF
Profile
Strong valuation; financial health lags behind.
How is each axis scored?
- Valuation85/100 · Strong
- P/E vs own history (33th pct)20/25
- FCF yield (10.4%)25/25
- P/S (2.3x)20/25
- EV/EBIT (13.7x)20/25
- Growth69/100 · Moderate
- Revenue CAGR (32.9%)25/25
- Net income CAGR (18.8%)20/25
- EPS CAGR 5Y (7.1%)12/25
- Fwd implied growth (9.5%)12/25
- Profitability62/100 · Moderate
- ROIC (6.9%)5/25
- ROE (11.7%)12/25
- Net margin (21.6%)25/25
- Operating margin (20.1%)20/25
- Financial Health26/100 · Weak
- Altman Z (0.11)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.5x)3/25
- Net cash / debt (D/A 3%)20/25
- Quality52/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.04)12/25
- FCF conversion (110%)25/25
- Margin stability (σ 28.9%)0/25
- Moat50/100 · Moderate
- ROIC >12% years (2/9 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 15.8%)25/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Interest coverage 0.5× — thin debt cushion
About UMB Financial Corp
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Show more
Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
Headquarters: KANSAS CITY, MO · Employees: 5,222 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
85AP/E (TTM)10.6xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.3x–16.9x · 33rd pct
P/FCF9.5xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield10.4%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.8%–26.4% · 43rd pct
P/S (TTM)2.29xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.3x–3.8x · 42nd pct
EV/EBIT13.7xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 7.1x–15.6x · 30th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.24xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.82A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.52%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio16.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
62BROIC6.9%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE11.7%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin21.6%A
Grade A: HighNet Income / Revenue
Operating Margin20.1%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin23.9%A
Grade A: HighFCF / Revenue
True FCF Margin23.0%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
69BRevenue CAGR32.9%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR18.8%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)7.1%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth9.5%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+56.3%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income4.2%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.9%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.11D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment1.9yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT2.3xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.46xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.46xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
52CPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.04C
Grade C: Gray zoneEarnings manipulation risk. < -2.22 Safe
FCF Conversion110.4%A
Grade A: StrongFCF / Net Income
Margin Stability28.9%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue1.1%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Peterman Tamara Filed | Peterman Tamara | BuyOpen market buy | +394 | |
GRAVES GREG M Filed | GRAVES GREG M | BuyOpen market buy | +573 | |
Terry Thomas S Filed | Terry Thomas S | SellOpen market sale | -5713 | |
Shankar Ram Filed | Shankar Ram | SellOpen market sale | -2000 | |
Murphy Susan G Filed | Murphy Susan G | SellOpen market sale | -902 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Murphy Susan G Filed | Murphy Susan G | SellOpen market sale | -475 | |
Odgers David Carl Filed | Odgers David Carl | SellOpen market sale | -145 | |
KEMPER J MARINER Filed | KEMPER J MARINER | SellOpen market sale | -15062 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years2/9 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor15.8%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$12.41
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$9.37
Cash & short-term investments per share (Finnhub)
Book Value / Share$105.74
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$3.71B
Total debt obligations (short + long term)
Cash & Equiv.$1.71B
Cash and short-term investments
Net Debt$2.00B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$8.03B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$9.96B
Current Market Capitalization
Beta0.87B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: UMB Financial Corp (UMBF)
Piotroski F-Score of 5/9 indicates mixed fundamentals for UMB Financial Corp. Altman Z-Score of 0.11 is below the 1.81 distress threshold — an elevated financial-risk flag. Revenue has compounded at roughly 33% annually, with net income growing about 19% per year — a strong growth profile. UMB Financial Corp converts about 24% of revenue into free cash flow — strong cash generation.
- Takes ~1.9 years to repay net debt from free cash flow.
- Interest coverage of 0.5× leaves little room for earnings shocks.
- At a valuation score of 85/100, UMBF trades near the cheapest end of its own historical range (P/E 10.6).
See how UMBF ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all UMBF moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 131.59 | +2.12% | 2.51 |
| Oct 15 | After-hours | 131.75 | +2.24% | 2.65 |
| Oct 8 | Regular | 130.86 | +2.06% | 2.61 |
| Oct 8 | After-hours | 130.39 | +1.70% | 2.23 |
Frequently Asked Questions about UMBF
What is the current UMB Financial Corp (UMBF) stock price?
UMBF is trading at $131.10 at the last market close, down 0.49% on the session. PreMarketPrice tracks UMBF pre-market, intraday and after-hours prices.
Is UMBF stock a buy right now?
PreMarketPrice's quantitative model rates UMB Financial Corp's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is UMBF stock overvalued?
UMB Financial Corp trades at a trailing P/E of 10.6 and our valuation score rates it 85/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does UMB Financial Corp report earnings?
No confirmed earnings date is currently scheduled for UMBF. The Earnings section lists recent reports and updates as dates are announced.
What sector does UMB Financial Corp operate in?
UMB Financial Corp operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does UMB Financial Corp do?
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world.
About UMB Financial Corp (UMBF) Stock
UMB Financial Corp (UMBF) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, UMB Financial Corp is trading at $131.10, down 0.49% on the day with a market capitalization of $10.0 billion. The financial health score for UMBF is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for UMBF stock.
UMBF Stock Analysis & Key Metrics
On PreMarketPrice, you can track UMB Financial Corp (UMBF) across multiple dimensions:
- Pre-market price & movement: Real-time UMBF stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for UMBF with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for UMB Financial Corp across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for UMBF.
- Sector peers: Compare UMBF against 6 other financial services stocks on key financial metrics.
Is UMBF a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate UMB Financial Corp (UMBF) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.UMB Financial Corp (UMBF) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.