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UMB Financial Corporation (UMBF)

Financial Services | Banks - Regional | Kansas City, United States | NasdaqGS
144.29 USD -0.30 (-0.207%) ⇩ (July 13, 2026, 4 p.m. EDT)
Short-term:★★★★☆Long-term:★★★★⯪Dividends:★★⯪☆☆
Hot Take ↕ | July 11, 2026, 7:01 a.m. EDT

The data presents a compelling case for a regional bank executing a superior turnaround story. Fundamentally, the company is delivering explosive growth with revenue expanding nearly 50% and earnings surging over 170% year-over-year, all while maintaining robust operating margins above 50%. The balance sheet remains sound, and the forward P/E of roughly 10.5x suggests the market is pricing in continued expansion without excessive premium. Technically, the stock is trading just shy of its 52-week high, confirming strong momentum that aligns with the heavy call option positioning seen in the flow data. While the statistical forecasting model hints at a slight short-term pullback, its low reliability score suggests it is merely capturing noise against the backdrop of a much stronger fundamental and technical trend. The dividend is modest but highly secure, serving as a floor rather than a primary attraction. For investors seeking exposure to a high-growth financial franchise with a clean balance sheet, the risk-reward profile appears favorable despite the valuation compression often seen in the sector.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_126 ✓0.064139
MSTL0.077118
AutoTheta0.083204
AutoARIMA0.086766
AutoETS0.086792

Forecast horizon: 60 days | Selected: MSTL_126

Forecast Reliability
Score 47%
H-stat 3.09
Ljung-Box p 0.000
Jarque-Bera p 0.083
Excess Kurtosis -0.67
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-09
Last Dividend Date 2026-06-09
Revenue per Share 35.948
Market Cap 10,962,970,624
Trailing P/E 12.62
Forward P/E 10.51
Beta 0.78
Profit Margins 32.30%
Website https://www.umb.com

As of July 11, 2026, 7:01 a.m. EDT: Market participants are displaying a distinctly bullish bias, with call open interest significantly exceeding put open interest across all monitored expirations. The concentration of call volume near current price levels suggests traders are positioning for immediate upside continuation, while longer-dated strikes indicate a willingness to pay for extended gains. Implied volatility remains moderate, reflecting standard pricing for the prevailing directional sentiment rather than extreme fear or euphoria.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.33% 1.40% 1.66% 1.69%
Dividend History
Date Dividend Yield %
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
dividendRate 1.72
dividendYield 1.19
exDividendDate 2026-06-10
trailingAnnualDividendRate 1.66
trailingAnnualDividendYield 0.011480738
lastDividendValue 0.43
lastDividendDate 2026-06-10
dividendDate 2026-07-01

Info Dump

Attribute Value
52 Week Change 0.2899456
Address1 1,010 Grand Boulevard
All Time High 146.9
All Time Low 4.97361
Ask 183.39
Ask Size 2
Audit Risk 2
Average Analyst Rating 1.8 - Buy
Average Daily Volume10 Day 893,310
Average Daily Volume3 Month 723,785
Average Volume 723,785
Average Volume10Days 893,310
Beta 0.78
Bid 104.24
Bid Size 2
Board Risk 4
Book Value 99.147
City Kansas City
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 144.29
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 145.09
Day Low 143.0
Display Name UMB Financial
Dividend Date 1,782,864,000
Dividend Rate 1.72
Dividend Yield 1.19
Earnings Call Timestamp End 1,785,355,200
Earnings Call Timestamp Start 1,785,355,200
Earnings Growth 1.769
Earnings Quarterly Growth 2.214
Earnings Timestamp 1,785,268,800
Earnings Timestamp End 1,785,268,800
Earnings Timestamp Start 1,785,268,800
Ebitda Margins 0.0
Enterprise To Revenue 4.667
Enterprise Value 12,750,286,848
Eps Current Year 12.93134
Eps Forward 13.72233
Eps Trailing Twelve Months 11.43
Esg Populated 0
Ex Dividend Date 1,781,049,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 133.7464
Fifty Day Average Change 10.543594
Fifty Day Average Change Percent 0.07883274
Fifty Two Week Change Percent 28.99456
Fifty Two Week High 146.9
Fifty Two Week High Change -2.6100006
Fifty Two Week High Change Percent -0.017767193
Fifty Two Week Low 103.38
Fifty Two Week Low Change 40.909996
Fifty Two Week Low Change Percent 0.39572448
Fifty Two Week Range 103.38 - 146.9
Financial Currency USD
First Trade Date Milliseconds 322,151,400,000
Five Year Avg Dividend Yield 1.66
Float Shares 72,269,446
Forward Eps 13.72233
Forward P E 10.514977
Full Exchange Name NasdaqGS
Full Time Employees 5,222
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 2,732,077,056
Has Pre Post Market Data 1
Held Percent Insiders 0.053060003
Held Percent Institutions 0.94936997
Implied Shares Outstanding 75,978,727
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 1,781,049,600
Last Dividend Value 0.43
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 10,962,970,624
Market State PRE
Max Age 86,400
Message Board Id finmb_310364
Most Recent Quarter 1,774,915,200
Net Income To Common 860,921,984
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 10,985,764,136
Number Of Analyst Opinions 12
Open 144.59
Operating Cashflow 1,024,945,024
Operating Margins 0.50973
Overall Risk 3
Payout Ratio 0.1452
Peg Ratio 2.54
Phone 816 860 7000
Previous Close 144.59
Price Eps Current Year 11.158162
Price Hint 2
Price To Book 1.4553137
Price To Sales Trailing12 Months 4.012687
Profit Margins 0.32301998
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.75
Region US
Regular Market Change -0.300003
Regular Market Change Percent -0.207485
Regular Market Day High 145.09
Regular Market Day Low 143.0
Regular Market Day Range 143.0 - 145.09
Regular Market Open 144.59
Regular Market Previous Close 144.59
Regular Market Price 144.29
Regular Market Time 1,783,972,800
Regular Market Volume 539,105
Return On Assets 0.01243
Return On Equity 0.12109
Revenue Growth 0.49
Revenue Per Share 35.948
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 75,978,727
Shares Percent Shares Out 0.0547
Shares Short 4,155,466
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 3,485,948
Short Name UMB Financial Corporation
Short Percent Of Float 0.064899996
Short Ratio 5.4
Source Interval 15
State MO
Symbol UMBF
Target High Price 170.0
Target Low Price 139.0
Target Mean Price 157.0
Target Median Price 160.0
Total Cash 2,681,081,088
Total Cash Per Share 35.287
Total Debt 4,174,330,880
Total Revenue 2,732,077,056
Tradeable 0
Trailing Annual Dividend Rate 1.66
Trailing Annual Dividend Yield 0.011480738
Trailing Eps 11.43
Trailing P E 12.623796
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 121.42805
Two Hundred Day Average Change 22.861946
Two Hundred Day Average Change Percent 0.18827567
Type Disp Equity
Volume 539,105
Website https://www.umb.com
Zip 64,106