Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UMBF
STRONG BUYFLAGUMB Financial Corporation · Financial Services · United States · $10.7B · Avg Vol: $106M/d
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)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 1.4B | 1.3B | 1.5B | 2.4B | 21.4% | 2.7B | 2.7B | 2.8B | 8.2% |
| EPS | 7.31 | 8.93 | 7.22 | 9.05 | 9.35 | 6.3% | 11.32 | 10.67 | 11.34 | 10.1% |
| Shares | — | 48.3M | 48.6M | 48.8M | 76.0M | +57.2% | 76.0M | — | — | — |
| Debt | — | 381.3M | 1.4B | 308.5M | 254.2M | -12.6% | 4.2B | — | — | — |
| Equity | — | 2.7B | 3.1B | 3.5B | 7.7B | 42.4% | — | — | — | — |
| Op CF | — | 769.6M | 472.6M | 225.3M | 1.0B | 10.1% | 1.0B | — | — | — |
| Inv CF | — | -3.8B | -1.3B | -3.3B | -5.6B | — | — | — | — | — |
| Fin CF | — | -4.6B | 4.8B | 6.0B | 3.9B | — | — | — | — | — |
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 | StockRank | Signal |
|---|---|---|---|---|
| UMBF | UMB Financial Corporation(you) | $10.7B | 82 | STRONG BUY |
| ZION | Zions Bancorporation, National Association | $10.1B | 82 | STRONG BUY |
| WBS | Webster Financial Corporation | $12.3B | 81 | STRONG BUY |
| BPOP | Popular, Inc. | $11.0B | 88 | STRONG BUY |
| CFR | Cullen/Frost Bankers, Inc. | $10.3B | 75 | BUY |
| VLY | Valley National Bancorp | $7.9B | 78 | BUY |
| UBSI | United Bankshares, Inc. | $6.5B | 82 | STRONG BUY |
| SSB | SouthState Bank Corporation | $10.3B | 70 | BUY |
| CBSH | Commerce Bancshares, Inc. | $8.5B | 73 | BUY |
| OZK | Bank OZK | $5.5B | 81 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%