Stocks · Financial Services · Banks - Regional
UMB Financial Corporation UMBF
$130.94 +0.89% Close, Oct 2, 2026 · NASDAQ · Market cap $9.94B
Strong growthInexpensive vs sector
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $4.56B, up 41.6% from a year earlier, slowing from 56.7% a quarter earlier.
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +14.2%).
- Diluted EPS over the last four quarters was $12.01, up 38.0% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth88Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 9%
- EPS growth (TTM, YoY)Top 28%
- FCF growth (TTM, YoY)Top 27%
- Revenue growth, 3-year CAGRTop 9%
- Revenue growth accelerationBottom 12%
Quality38Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 46%
- Gross marginBottom 34%
- Operating marginTop 49%
- Cash conversion (OCF / net income)Bottom 50%
- Accruals (lower is better)Bottom 45%
- Net debt / EBITDA (lower is better)Bottom 40%
- Interest coverBottom 37%
Value84Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 22%
- Free-cash-flow yieldTop 31%
- EBITDA / enterprise valueTop 34%
- Sales / enterprise valueTop 40%
- P/E vs own 5-year history (lower is better)Top 26%
Momentum52Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 36%
- 6-month returnTop 31%
- 1-year return vs S&P 500Top 43%
- Distance from 52-week highBottom 35%
- Trend checklist (0–4)Top 48%
Revisions95Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 18%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyTop 38%
- Upside to consensus price targetTop 23%
Stability30Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 48%
- Maximum drawdown, 3 yearsBottom 41%
- Beta vs S&P 500 (lower is better)Bottom 19%
- Net debt / EBITDA (lower is better)Bottom 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 56.7% | 41.6% | ↓ |
| EPS growth (YoY) | 41.8% | 38.0% | ↓ |
| Gross margin | 54.6% | 58.5% | ↑ |
| Operating margin | 20.1% | 22.1% | ↑ |
| FCF margin | 20.7% | 23.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 41.6% | 56.7% | ↓ | Top 9% |
| EPS growth (TTM, YoY) | 38.0% | 41.8% | ↓ | Top 28% |
| Gross margin | 58.5% | 54.6% | ↑ | Bottom 34% |
| Operating margin | 22.1% | 20.1% | ↑ | Top 49% |
| Net margin | 20.7% | 16.4% | ↑ | — |
| Free-cash-flow margin | 23.3% | 20.7% | ↑ | — |
| Return on invested capital | 1.1% | — | Bottom 46% | |
| Revenue growth, 3-year CAGR | 41.1% | — | Top 9% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.16×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -141.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.53%
- Net buyback yield (TTM)
- 0.01%
- Shareholder yield
- 1.54%
- Share count change, 1 year
- +0.2%
- Share count change, 3-year CAGR
- +16.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +14.2%
- Average 2-day reaction, last 8
- +0.9%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $166.40
- Target vs current price
- +27.1%
- Analysts with a rating
- 19
- Share rating Buy or Strong Buy
- 58%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +14.4% | +2.1% | +4.3% | +2.1% | — |
| Apr 28, 2026 | +20.9% | +1.0% | +4.2% | +8.2% | +12.0% |
| Jan 27, 2026 | +13.7% | +1.9% | +4.5% | -2.4% | +0.1% |
| Oct 28, 2025 | +8.0% | -0.1% | -4.6% | -2.9% | +9.5% |
| Jul 29, 2025 | +24.9% | +0.2% | +1.5% | +10.7% | +2.7% |
| Apr 29, 2025 | +17.8% | +2.0% | +5.3% | +9.8% | +12.6% |
| Jan 28, 2025 | +10.7% | +0.4% | -6.5% | -11.7% | -21.3% |
| Oct 29, 2024 | -0.5% | -0.4% | +0.9% | +19.2% | +13.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $3.57 | $3.12 | +14.4% | $778.0M |
| Apr 28, 2026 | $3.41 | $2.82 | +20.9% | $739.2M |
| Jan 27, 2026 | $3.08 | $2.71 | +13.7% | $720.9M |
| Oct 28, 2025 | $2.70 | $2.50 | +8.0% | $1.09B |
| Jul 29, 2025 | $2.96 | $2.37 | +24.9% | $633.2M |
| Apr 29, 2025 | $2.58 | $2.19 | +17.8% | $510.2M |
| Jan 28, 2025 | $2.49 | $2.25 | +10.7% | $394.2M |
| Oct 29, 2024 | $2.19 | $2.20 | -0.5% | $363.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.9× | 11.2× | 29th | Top 22% |
| P/E (forward) | 9.9× | — | — | — |
| EV / EBITDA | 11.0× | — | — | Top 34% |
| EV / Sales | 2.79× | — | — | Top 40% |
| Free-cash-flow yield | 10.70% | — | — | Top 31% |
| Earnings yield | 9.17% | — | — | Top 22% |
P/E over the past five years
Range 6.7× – 13.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +10.7%
- Earnings per share growth (TTM)
- +38.0%
- Change in P/E multiple
- -4.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 1
- 50-day average slope (20 days)
- -2.2%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- -7.6%
- Distance from 200-day average
- +0.7%
- RSI (14)
- 32.9
- Relative volume
- 0.95×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.2%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.04
- Correlation with S&P 500
- 0.55
- Current drawdown from 1-year high
- -13.9%
- Maximum drawdown, 3 years
- -32.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 4, 2023 | -51.3% | 326 days | 366 days (Oct 17, 2024) |
| Nov 25, 2024 | Apr 11, 2025 | -32.3% | 93 days | 202 days (Feb 2, 2026) |
| Feb 6, 2026 | Mar 27, 2026 | -18.9% | 34 days | 40 days (May 26, 2026) |
| May 14, 2021 | Jul 19, 2021 | -14.7% | 44 days | 54 days (Oct 4, 2021) |
| Aug 14, 2026 | Oct 1, 2026 | -14.6% | 33 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $9.94B
- P/E (TTM)
- 10.9
- EPS, diluted (TTM)
- $12.01
- Revenue (TTM)
- $4.56B
- Dividend yield
- 1.37%
- 52-week range
- $103.38 – $153.32
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.24B | $1.58B | $2.24B | $2.64B | $4.44B |
| Gross profit | $1.18B | $1.32B | $1.28B | $1.41B | $2.42B |
| Operating income | $429.1M | $532.0M | $421.6M | $541.3M | $900.0M |
| Net income | $353.0M | $431.7M | $350.0M | $441.2M | $702.4M |
| EPS (diluted) | $7.24 | $8.86 | $7.18 | $8.99 | $9.13 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $674.3M | $680.2M | $850.5M | $1.02B | $1.49B | $1.09B | $867.1M | $1.12B |
| Net income | $109.6M | $120.0M | $81.3M | $217.4M | $188.3M | $215.4M | $261.4M | $277.6M |
| EPS (diluted) | $2.23 | $2.44 | $1.21 | $2.82 | $2.36 | $2.74 | $3.35 | $3.56 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $534.1M | $769.6M | $472.6M | $225.3M | $1.03B |
| Capital expenditure | -$33.7M | -$51.7M | -$26.9M | -$24.2M | -$48.6M |
| Free cash flow | $500.4M | $717.8M | $445.7M | $201.1M | $978.1M |
| Dividends paid | -$66.8M | -$72.0M | -$74.2M | -$77.1M | -$135.6M |
| Net share buybacks | -$5.5M | -$32.0M | -$8.4M | -$7.7M | $103.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $779.9M
- Total assets
- $72.26B
- Total liabilities
- $64.22B
- Total debt
- $3.56B
- Net debt
- $2.78B
- Shareholders’ equity
- $8.03B
As of Jun 30, 2026 (filed Jul 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 10, 2026 | $0.50 | Oct 1, 2026 |
| Jun 10, 2026 | $0.43 | Jul 1, 2026 |
| Mar 10, 2026 | $0.43 | Apr 1, 2026 |
| Dec 10, 2025 | $0.43 | Jan 2, 2026 |
| Sep 10, 2025 | $0.40 | Oct 1, 2025 |
| Jun 10, 2025 | $0.40 | Jul 1, 2025 |
| Mar 10, 2025 | $0.40 | Apr 1, 2025 |
| Dec 10, 2024 | $0.40 | Jan 2, 2025 |
Short interest
- Shares sold short
- 3,634,556
- Days to cover
- 6.72
- Change vs previous report
- +6.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 31, 2006
- 2-for-1
- Dec 10, 2001
- 21-for-20
- Dec 9, 1999
- 11-for-10
- Dec 9, 1997
- 21-for-20
- Dec 9, 1996
- 21-for-20