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UMBF

BUYFLAG

UMB Financial Corporation · Financial Services · United States · $10.7B · Avg Vol: $102M/d

79
StockRank
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Q
61
V
39
M
72
P/E (TTM)
12.8x
ROE
12.1%
D/E
0.0x
Dividend %
1.1%
AI CONVICTION THESIS

UMB Financial has quality Q62 and strong momentum M78 with a buyback on file, but value at V40 is below the calibrated floor, so stage one fails. The insider selling rounds to 0.01% and is separately adverse.

COMPANY DESCRIPTION

UMB Financial Corporation is a diversified financial services company headquartered in Kansas City, offering commercial and personal banking, wealth management, and institutional banking services. With a focus on the Midwest, the company maintains strong client relationships and a reputation for personalized service. UMB's diversified revenue streams across various banking segments provide resilience and stability.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue1.4B1.3B1.5B2.4B21.4%2.7B2.7B2.8B8.2%
EPS7.318.937.229.059.356.3%11.3210.6711.3410.1%
Shares48.3M48.6M48.8M76.0M+57.2%76.0M
Debt381.3M1.4B308.5M254.2M-12.6%4.2B
Equity2.7B3.1B3.5B7.7B42.4%
Op CF769.6M472.6M225.3M1.0B10.1%1.0B
Inv CF-3.8B-1.3B-3.3B-5.6B
Fin CF-4.6B4.8B6.0B3.9B
Loading 1Y...
PRICE (1Y)+6.6%
133136140144148Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$141.20
RSI (14)
43.9
52W High
$148.31
From 52W High
1.0%

SCORE BREAKDOWN

Quality
61
ROIC (ROA)
1.2%*44.1
ROE
12.1%63.5
GP/Assets
3.7%N/A
Op. Margin
51.0%72.9
FCF/Assets
1.3%N/A
Piotroski
683.6
Int. Cover
50.0
D/E Ratio
0.03xN/A
Current Ratio
bankN/A
Value
39
P/E (TTM)
12.8x52.9
EV/EBITDA
bankN/A
P/FCF
10.9xN/A
P/B
1.5x34.9
P/S
4.0x47.2
Div Yield
1.1%9.4
Momentum
72
52W High %
95%60.6
RS 6M
6%70.5
SMA 50/200
1.12x80.4
EPS Rev 4W
+0.5%84.9
EPS Rev 12W
+4.4%85.8
EPS Improve
+22%49.0
Q Growth
221%90.8

FUNDAMENTALS

Market Cap
$10.7B
P/E (Forward)
10.5x
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UMBF are excluded.

TickerCompanyMkt CapStockRankSignal
UMBFUMB Financial Corporation(you)$10.7B79BUY
WBSWebster Financial Corporation$12.3B79BUY
ZIONZions Bancorporation, National Association$10.1B81STRONG BUY
CFRCullen/Frost Bankers, Inc.$10.3B73BUY
BPOPPopular, Inc.$11.0B87STRONG BUY
VLYValley National Bancorp$7.9B76BUY
SSBSouthState Bank Corporation$10.3B69BUY
UBSIUnited Bankshares, Inc.$6.5B81STRONG BUY
CBSHCommerce Bancshares, Inc.$8.5B69BUY
EWBCEast West Bancorp, Inc.$17.9B75BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

UMB Financial Corporation (UMBF) — Stock Score Summary

UMB Financial Corporation (UMBF) has a MoatMap StockRank of 79/100 based on Quality (61/100), Value (39/100), and Momentum (72/100) factor scores. The current signal is BUY. UMB Financial has quality Q62 and strong momentum M78 with a buyback on file, but value at V40 is below the calibrated floor, so stage one fails. The insider selling rounds to 0.01% and is separately adverse.

UMB Financial Corporation is a diversified financial services company headquartered in Kansas City, offering commercial and personal banking, wealth management, and institutional banking services. With a focus on the Midwest, the company maintains strong client relationships and a reputation for personalized service. UMB's diversified revenue streams across various banking segments provide resilience and stability.

Key Financial Metrics

Price$141.20
Market Cap$10.7B
P/E (TTM)12.77
P/E (Forward)10.50
Price/Book1.48
Return on Equity12.1%
Debt/Equity0.03x
Operating Margin51.0%
Revenue Growth49.0%
Dividend Yield1.1%
Free Cash Flow$981M

UMB Financial Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is UMB Financial Corporation’s (UMBF) StockRank?
MoatMap’s StockRank for UMB Financial Corporation (UMBF) is 79/100, with a Buy signal. It is a composite of Quality (61), Value (39), and Momentum (72) factor ranks across MoatMap’s 20,000+ stock universe.
Does UMB Financial Corporation have an economic moat?
UMB Financial Corporation (UMBF) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is UMB Financial Corporation a buy, hold, or sell?
MoatMap’s current signal for UMB Financial Corporation (UMBF) is Buy, based on a StockRank of 79/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is UMB Financial Corporation in?
UMB Financial Corporation (UMBF) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).