Update shared on 14 Dec 2025
Narrative Update on Analyst Price Target
Analysts have modestly raised their price target on UMB Financial to approximately $138 per share, citing a slightly lower discount rate and steady expectations for double digit revenue growth and robust profit margins.
What's in the News
- Board declares a cash dividend of $0.43 per share on UMB Financial common stock, payable January 2, 2026, to shareholders of record on December 10, 2025 (company announcement)
- Third quarter 2025 net charge offs rise to $18.4 million, more than double the $8.5 million reported a year earlier, signaling some credit quality pressure (company filing)
- Company reports no share repurchases from July 1, 2025 to September 30, 2025, leaving the April 29, 2025 buyback authorization effectively unused (company filing)
Valuation Changes
- Fair Value Estimate remains essentially unchanged at approximately $138 per share, indicating no material revision to the intrinsic value assessment.
- Discount Rate is reported at about 6.96 percent, reflecting a stable required return in the valuation model.
- Revenue Growth Assumption is effectively unchanged, holding near 14.10 percent, signaling stable expectations for top line expansion.
- Net Profit Margin Outlook remains steady at roughly 35.64 percent, suggesting no meaningful shift in projected profitability.
- Future P/E Multiple has edged down slightly from about 12.49x to 12.48x, implying a minimally lower valuation multiple applied to forward earnings.
Have other thoughts on UMB Financial?
Create your own narrative on this stock, and estimate its Fair Value using our Valuator tool.
Create NarrativeDisclaimer
AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.