UMBF
Premium GrowerUMB Financial Corporation · Financial Services · United States · $10.3B cap · $84.0M/day traded
$133.48 -0.9% · close 12 Nov · scored 13 Nov
Premium Grower: Strong business with the market behind it, priced at a premium.
After its 27 Oct results, analysts raised next year's EPS estimate 1.1%.
As of 13 Nov 2026, the MoatMap Score for UMB Financial Corporation (UMBF) is 74/100, ranked against 25,000+ stocks in 38 markets (Quality 65, Value 47, Momentum 59, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT UMB FINANCIAL CORPORATION
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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)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 1.4B | 1.3B | 1.5B | 2.4B | 21.4% | 2.9B | 2.8B | 2.9B | 10.2% |
| EPS | 7.31 | 8.93 | 7.22 | 9.05 | 9.35 | 6.3% | 13.22 | 11.17 | 11.65 | 11.6% |
| Shares | — | 48.3M | 48.6M | 48.8M | 76.0M | +57.2% | 76.0M | — | — | — |
| Debt | — | 381.3M | 1.4B | 308.5M | 254.2M | -12.6% | 3.8B | — | — | — |
| Equity | — | 2.7B | 3.1B | 3.5B | 7.7B | 42.4% | — | — | — | — |
| Op CF | — | 769.6M | 472.6M | 225.3M | 1.0B | 10.1% | 1.2B | — | — | — |
| Inv CF | — | -3.8B | -1.3B | -3.3B | -5.6B | — | — | — | — | — |
| Fin CF | — | -4.6B | 4.8B | 6.0B | 3.9B | — | — | — | — | — |
Above its 200-day average and 13% below its 52-week high.
Calmer than 83% of stocks we rank over the past year (volatility 25% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UMBF are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| UMBF | UMB Financial Corporation(you) | $10.3B | 74 |
| BPOP | Popular, Inc. | $10.0B | 79 |
| PB | Prosperity Bancshares, Inc. | $8.4B | 76 |
| VLY | Valley National Bancorp | $7.8B | 72 |
| WTFC | Wintrust Financial Corporation | $10.2B | 66 |
| COLB | Columbia Banking System, Inc. | $8.7B | 79 |
| CFR | Cullen/Frost Bankers, Inc. | $9.8B | 66 |
| UBSI | United Bankshares, Inc. | $6.6B | 73 |
| PNFP | Pinnacle Financial Partners, Inc. | $15.2B | 71 |
| FNB | F.N.B. Corporation | $6.4B | 72 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.