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UMB Financial Corporation (UMBF)

Financial Services | Banks - Regional | Kansas City, United States | NasdaqGS
129.05 USD -1.08 (-0.830%) ⇩ (Oct. 14, 2026, 11:55 a.m. EDT)
Short-term:★★★☆☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 11:31 a.m. EDT

Despite trading below its fifty-day moving average, UMB Financial presents a compelling long-term case anchored by robust earnings growth and a valuation that trades at a discount to its forward potential. The company's nine-year price trajectory confirms a resilient upward trend, while the analyst consensus targets a significant upside from current levels. While the short-term technicals lag and options positioning clusters around the $145 resistance, the underlying business quality and dividend safety margin provide a strong foundation for accumulation. Investors should view the current dip as a buying opportunity given the low payout ratio and consistent dividend increases.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.038258
AutoARIMA0.038743
MSTL0.041820
AutoTheta0.046240

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 56%
H-stat 0.30
Ljung-Box p 0.000
Jarque-Bera p 0.370
Excess Kurtosis -0.77
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-09
Last Dividend Date 2026-09-09
Revenue per Share 37.026
Market Cap 9,801,352,192
Trailing P/E 10.74
Forward P/E 9.27
Beta 0.83
Profit Margins 33.50%
Website https://www.umb.com

As of Oct. 10, 2026, 11:31 a.m. EDT: Speculators are clustering option interest at the $145 strike across multiple expirations, creating a dense wall of both call and put open interest. This suggests $145 is viewed as a critical resistance or target level where volatility is expected to resolve. Implied volatility remains elevated in the near term, indicating anticipation of a move toward that zone rather than immediate breakout.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.36% 1.43% 1.57% 1.68%
Dividend History
Date Dividend Yield %
2026-09-10 0.500000 0.358757
2026-06-10 0.430000 0.325856
2026-03-10 0.430000 0.381544
2025-12-10 0.430000 0.363084
2025-09-10 0.400000 0.327896
2025-06-10 0.400000 0.377038
2025-03-10 0.400000 0.404940
2024-12-10 0.400000 0.321958
2024-09-10 0.390000 0.384199
2024-06-10 0.390000 0.485618
2024-03-08 0.390000 0.470617
2023-12-08 0.390000 0.511341
2023-09-08 0.380000 0.615285
2023-06-09 0.380000 0.577947
2023-03-09 0.380000 0.476429
2022-12-09 0.380000 0.469020
2022-09-09 0.370000 0.409473
2022-06-09 0.370000 0.418599
2022-03-09 0.370000 0.379955
2021-12-09 0.370000 0.353864
2021-09-09 0.370000 0.414798
2021-06-09 0.320000 0.339019
2021-03-09 0.320000 0.343384
2020-12-09 0.320000 0.464306
2020-09-09 0.310000 0.592961
2020-06-09 0.310000 0.503328
2020-03-09 0.310000 0.653044
2019-12-09 0.310000 0.460145
2019-09-09 0.300000 0.475059
2019-06-07 0.300000 0.479463
2019-03-08 0.300000 0.458155
2018-12-07 0.300000 0.469116
2018-09-07 0.290000 0.384259
2018-06-08 0.290000 0.362908
2018-03-08 0.290000 0.382233
2017-12-07 0.275000 0.369425
2017-09-07 0.255000 0.402526
2017-06-07 0.255000 0.357794
2017-03-08 0.255000 0.334909
2016-12-07 0.255000 0.324882
2016-09-07 0.245000 0.412111
2016-06-08 0.245000 0.424022
2016-03-08 0.245000 0.483044
2015-12-08 0.245000 0.509250
2015-09-08 0.235000 0.470848
2015-06-08 0.235000 0.421071
2015-03-06 0.235000 0.454194
2014-12-08 0.235000 0.426188
2014-09-08 0.225000 0.388735
2014-06-06 0.225000 0.371226
2014-03-06 0.225000 0.354163
2013-12-06 0.225000 0.357200
2013-09-06 0.215000 0.376006
2013-06-05 0.215000 0.409524
2013-03-06 0.215000 0.471181
2012-12-06 0.215000 0.505644
2012-09-06 0.205000 0.411812
2012-06-06 0.205000 0.453440
2012-03-07 0.205000 0.488328
2011-12-07 0.205000 0.568339
2011-09-07 0.195000 0.526316
2011-06-08 0.195000 0.472155
2011-03-09 0.195000 0.493171
2010-12-08 0.195000 0.485437
2010-09-08 0.185000 0.555055
2010-06-09 0.185000 0.506017
2010-03-09 0.185000 0.459285
2009-12-09 0.185000 0.474724
2009-09-08 0.175000 0.436954
2009-06-09 0.175000 0.444614
2009-03-09 0.175000 0.513046
2008-12-09 0.175000 0.380600
2008-09-08 0.165000 0.300546
2008-06-09 0.165000 0.326023
2008-03-07 0.150000 0.405625
2007-12-07 0.150000 0.406174
2007-09-10 0.140000 0.328176
2007-06-07 0.140000 0.367454
2007-03-08 0.140000 0.370959
2006-12-08 0.130000 0.362420
2006-09-07 0.130000 0.380451
2006-06-08 0.130000 0.388060
2006-03-09 0.125000 0.369167
2005-12-09 0.125000 0.381446
2005-09-08 0.110000 0.339506
2005-06-08 0.110000 0.396040
2005-03-09 0.110000 0.393419
2004-12-09 0.110000 0.381216
2004-09-09 0.105000 0.428571
2004-06-08 0.105000 0.413630
2004-03-09 0.105000 0.419162
2003-12-10 0.105000 0.433347
2003-09-10 0.100000 0.416753
2003-06-06 0.100000 0.471698
2003-03-07 0.100000 0.524246
2002-12-10 0.100000 0.525762
2002-09-11 0.100000 0.502513
2002-06-06 0.100000 0.437158
2002-03-07 0.100000 0.492368
2001-12-10 0.100000 0.476304
2001-06-07 0.095238 0.511378
2001-03-08 0.095238 0.526315
2000-12-08 0.095238 0.588235
2000-09-12 0.095238 0.559440
2000-06-08 0.095238 0.576576
2000-03-08 0.095238 0.588235
1999-12-09 0.087143 0.494595
1999-09-09 0.086580 0.470588
1999-06-09 0.086580 0.470588
1999-03-10 0.086580 0.455192
1998-12-10 0.086580 0.439560
1998-09-09 0.082251 0.425770
1998-06-10 0.082251 0.345454
1998-03-11 0.082251 0.317659
1997-12-09 0.082251 0.360189
1997-09-10 0.078334 0.387753
1997-06-11 0.078334 0.469134
1997-03-12 0.078334 0.469134
1996-12-09 0.078334 0.496730
1996-09-11 0.078531 0.507134
1996-06-12 0.078531 0.533335
1996-03-13 0.078531 0.579712
1995-12-11 0.070678 0.428574
1995-09-13 0.078531 0.521175
1995-06-13 0.078531 0.620157
1995-03-09 0.078531 0.650409
1994-12-06 0.078531 0.661160
1994-09-12 0.078531 0.615387
1994-06-08 0.229702 1.733331
1993-12-07 0.078531 0.540543
1993-09-09 0.078531 0.506331
1993-03-09 0.078531 0.526318
1992-12-08 0.078531 0.522878
1992-09-09 0.078531 0.536915
1992-06-08 0.078531 0.479044
1992-03-06 0.078531 0.509556
1991-12-09 0.078531 0.597017
1991-06-10 0.078531 0.620157
1991-03-11 0.078531 0.695655
1990-12-10 0.078531 0.761908
1990-09-11 0.078531 0.737330
1990-06-11 0.078531 0.680854
1990-03-09 0.078531 0.677969
1989-12-08 0.117796 0.975609
1989-09-11 0.078531 0.634923
1989-06-09 0.078531 0.707967
1989-03-13 0.066751 0.673266
1988-12-09 0.066751 0.650717
1988-09-12 0.066751 0.632557
1988-06-13 0.066751 0.641509
1988-03-10 0.066751 0.612612
1987-12-08 0.066751 0.666666
1987-09-10 0.066751 0.615384
1987-06-11 0.066751 0.653845
1987-03-12 0.066751 0.596490
1986-12-09 0.065442 0.602407
Additional Data
dividendYield 1.54
exDividendDate 2026-09-10
trailingAnnualDividendRate 1.69
trailingAnnualDividendYield 0.012987013
lastDividendValue 0.5
lastDividendDate 2026-09-10
dividendDate 2026-10-01

Info Dump

Attribute Value
52 Week Change 0.11939788
Address1 1,010 Grand Boulevard
All Time High 153.32
All Time Low 4.97361
Ask 163.67
Ask Size 2
Audit Risk 2
Average Analyst Rating 1.8 - Buy
Average Daily Volume10 Day 666,220
Average Daily Volume3 Month 611,248
Average Volume 611,248
Average Volume10Days 666,220
Beta 0.834
Bid 91.6
Bid Size 2
Board Risk 4
Book Value 101.869
City Kansas City
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 129.05
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 129.19
Day Low 127.44
Display Name UMB Financial
Dividend Date 1,790,812,800
Dividend Yield 1.54
Earnings Call Timestamp End 1,793,217,600
Earnings Call Timestamp Start 1,793,217,600
Earnings Growth 0.262
Earnings Quarterly Growth 0.277
Earnings Timestamp 1,793,131,200
Earnings Timestamp End 1,793,131,200
Earnings Timestamp Start 1,793,131,200
Ebitda Margins 0.0
Enterprise To Revenue 4.186
Enterprise Value 11,777,895,424
Eps Current Year 13.25497
Eps Forward 13.92822
Eps Trailing Twelve Months 12.02
Esg Populated 0
Ex Dividend Date 1,788,998,400
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 139.6306
Fifty Day Average Change -10.580597
Fifty Day Average Change Percent -0.07577563
Fifty Two Week Change Percent 11.939788
Fifty Two Week High 153.32
Fifty Two Week High Change -24.270004
Fifty Two Week High Change Percent -0.15829639
Fifty Two Week Low 103.38
Fifty Two Week Low Change 25.670006
Fifty Two Week Low Change Percent 0.24830727
Fifty Two Week Range 103.38 - 153.32
Financial Currency USD
First Trade Date Milliseconds 322,151,400,000
Five Year Avg Dividend Yield 1.58
Float Shares 72,950,004
Forward Eps 13.92822
Forward P E 9.265363
Full Exchange Name NasdaqGS
Full Time Employees 5,222
Fullday Change -1.0800018
Fullday Change Percent -0.8299407
Fullday Price 129.05
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 2,813,897,984
Has Pre Post Market Data 1
Held Percent Insiders 0.05291
Held Percent Institutions 0.97907996
Implied Shares Outstanding 75,950,030
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website https://www.umb.com/AboutUMB/InvestorRelations/index.html
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,788,998,400
Last Dividend Value 0.5
Last Fiscal Year End 1,767,139,200
Last Split Date 1,149,033,600
Last Split Factor 2:1
Long Business Summary UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
Long Name UMB Financial Corporation
Market us_market
Market Cap 9,801,352,192
Market State REGULAR
Max Age 86,400
Message Board Id finmb_310364
Most Recent Quarter 1,782,777,600
Net Income To Common 917,297,984
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 10,193,253,526
Number Of Analyst Opinions 16
Open 127.87
Operating Cashflow 1,088,816,000
Operating Margins 0.51058
Overall Risk 3
Payout Ratio 0.14060001
Peg Ratio 2.54
Phone 816 860 7000
Previous Close 130.13
Price Eps Current Year 9.735971
Price Hint 2
Price To Book 1.266823
Price To Sales Trailing12 Months 3.4831939
Profit Margins 0.33501
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.8125
Region US
Regular Market Change -1.0800018
Regular Market Change Percent -0.8299407
Regular Market Day High 129.19
Regular Market Day Low 127.44
Regular Market Day Range 127.44 - 129.19
Regular Market Open 127.87
Regular Market Previous Close 130.13
Regular Market Price 129.05
Regular Market Time 1,791,993,331
Regular Market Volume 149,479
Return On Assets 0.0130900005
Return On Equity 0.12309
Revenue Growth 0.122
Revenue Per Share 37.026
Sand P52 Week Change 0.17004645
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 75,950,030
Shares Percent Shares Out 0.0512
Shares Short 3,889,000
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 3,425,160
Short Name UMB Financial Corporation
Short Percent Of Float 0.0608
Short Ratio 5.79
Source Interval 15
State MO
Symbol UMBF
Target High Price 182.0
Target Low Price 145.0
Target Mean Price 164.0
Target Median Price 164.5
Total Cash 2,111,611,008
Total Cash Per Share 27.803
Total Debt 3,712,062,976
Total Revenue 2,813,897,984
Tradeable 0
Trailing Annual Dividend Rate 1.69
Trailing Annual Dividend Yield 0.012987013
Trailing Eps 12.02
Trailing P E 10.736273
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 130.39145
Two Hundred Day Average Change -1.3414459
Two Hundred Day Average Change Percent -0.010287836
Type Disp Equity
Volume 149,479
Website https://www.umb.com
Zip 64,106