Fundamentals Overview
UMB Financial Corporation is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+77.5% upside vs price
Profitability
Risk (Beta)
0.78 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +77.5% upside vs price · Analyst grade: A- · Sentiment improving (1 upgrade) · 3M vs S&P 500: +8.8% · 3M vs Financial Services sector: +9.6%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: A-. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 7, Equal Weight: 3, Neutral: 2, Outperform: 3, Overweight: 11, Sector Perform: 2, Strong Buy: 2.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $253.15; current price is $142.61. That’s a +77.5% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 12.33 |
| DCF value (model) | $253.15 (77.5% upside) |
| PEG (TTM) | 0.11 |
| P/B (TTM) | 1.39 |
| P/S (TTM) | 2.43 |
| P/FCF (TTM) | 11.05 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.21 |
| Quick Ratio (TTM) | 0.21 |
| Cash Ratio (TTM) | 0.21 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 19.79% |
| Gross margin (TTM) | 56.67% |
| Operating margin (TTM) | 20.93% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for UMBF.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Truist Securities | maintain | Buy | Buy | 2026-07-10 |
| Wells Fargo | maintain | Equal Weight | Equal Weight | 2026-07-06 |
| Morgan Stanley | maintain | Overweight | Overweight | 2026-06-29 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-06-26 |
| Citigroup | maintain | Neutral | Neutral | 2026-06-25 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-04-30 |
| TD Cowen | maintain | Buy | Buy | 2026-04-30 |
| RBC Capital | maintain | Outperform | Outperform | 2026-04-30 |
| Barclays | maintain | Overweight | Overweight | 2026-04-30 |
| Morgan Stanley | maintain | Overweight | Overweight | 2026-03-31 |
| Truist Securities | maintain | Buy | Buy | 2026-03-23 |
| Morgan Stanley | maintain | Overweight | Overweight | 2026-03-02 |
| Citigroup | maintain | Neutral | Neutral | 2026-01-30 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-01-29 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2026-01-29 |
| TD Cowen | maintain | Buy | Buy | 2026-01-07 |
| RBC Capital | upgrade | Sector Perform | Outperform | 2025-11-06 |
| Raymond James | maintain | Strong Buy | Strong Buy | 2025-10-30 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-10-30 |
| TD Cowen | maintain | Buy | Buy | 2025-10-30 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-10-10 |
| Wells Fargo | maintain | Equal Weight | Equal Weight | 2025-09-29 |
| Morgan Stanley | maintain | Overweight | Overweight | 2025-09-29 |
| Truist Securities | maintain | Buy | Buy | 2025-09-08 |
| Wells Fargo | maintain | Equal Weight | Equal Weight | 2025-08-01 |
| Barclays | maintain | Overweight | Overweight | 2025-07-31 |
| Raymond James | maintain | Strong Buy | Strong Buy | 2025-07-31 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-07-31 |
| RBC Capital | maintain | Sector Perform | Sector Perform | 2025-07-31 |
| Truist Securities | maintain | Buy | Buy | 2025-07-11 |