UMB Financial Corporation

NasdaqGS:UMBF 株式レポート

時価総額：US$9.9b

UMB Financial 過去の業績

過去 基準チェック /56

UMB Financialは、平均年間11.4%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間2.8% 13.2%収益成長率で 成長しています。 UMB Financialの自己資本利益率は11.3%であり、純利益率は31.5%です。

主要情報

11.41%

収益成長率

2.91%

EPS成長率

Banks 業界の成長11.18%
収益成長率13.24%
株主資本利益率11.28%
ネット・マージン31.51%
前回の決算情報31 Mar 2026

最近の業績更新

Recent updates

ナラティブの更新 • May 12

UMBF: Loan Tailwinds And Capital Return Are Expected To Drive Future Upside

UMB Financial's updated analyst price target has shifted from $142.83 to $147.08, with analysts pointing to recent target revisions across major firms and modest tweaks to fair value, discount rate, revenue growth, profit margin and future P/E assumptions as key drivers of the change. Analyst Commentary Recent Street research shows a mix of optimism and caution around UMB Financial, with several firms adjusting price targets in both directions and one new bullish initiation.
Seeking Alpha • Apr 29

UMB Financial: Momentum Accelerates In A Strong Q1

Summary UMB Financial remains a "Buy" as Heartland acquisition synergies and disciplined cost management drive accelerated earnings growth. Q1 adjusted EPS of $3.41 beat consensus by $0.59, with strong loan growth, improving deposit mix, and robust credit quality underpinning performance. UMBF's conservative underwriting limits private credit risk, while its securities portfolio reinvestment and capital strength support further margin expansion. With EPS estimates raised to $12.50 for 2026 and a new buyback authorization, UMBF is poised to surpass $140 per share this year. Read the full article on Seeking Alpha
ナラティブの更新 • Apr 23

UMBF: Loan Tailwinds And Capital Return Are Expected To Support Upside

The latest Narrative Update on UMB Financial reflects a revised Street price target, with recent changes ranging from cuts of up to $20 to increases of up to $18, as analysts weigh earlier optimism on midcap banks against fresh views on loan growth, net interest margin and capital return. Analyst Commentary Recent Street research on UMB Financial shows a split tape, with some firms lifting price targets and others cutting them, as views differ on how much upside remains after earlier optimism on midcap banks and on how execution around loan growth, net interest margin and capital return might translate into returns for shareholders.
ナラティブの更新 • Apr 09

UMBF: Loan Tailwinds And Stable Fundamentals Will Support Future Upside

Analysts have trimmed the UMB Financial price target slightly, with fair value moving from about $144.23 to $142.83 as they balance more optimistic revenue growth assumptions against lower profit margin expectations and a modestly higher future P/E. Analyst Commentary Recent research looks mixed, with several firms lifting price targets over the last few months while others have cut back more recently.
ナラティブの更新 • Mar 26

UMBF: Loan And Capital Return Tailwinds Will Support Future Upside

The analyst price target for UMB Financial is now $144, down from about $146, as analysts balance earlier target increases across regional bank peers with slightly adjusted fair value and discount rate assumptions for the stock. Analyst Commentary Recent Street research on UMB Financial shows a mix of optimism on fundamentals and valuation support, alongside some moderating views on upside as expectations reset.
ナラティブの更新 • Mar 10

UMBF: Loan Growth And Capital Return Will Support Future Upside

The updated analyst price target for UMB Financial edges higher, with our fair value estimate moving slightly to $145.77. Analysts point to constructive views on midcap banks, supported by expectations around loan growth, net interest margin and capital return.
ナラティブの更新 • Feb 24

UMBF: Stable Fundamentals And Dovish Fed Will Support 2026 Upside

Analysts have inched their blended price target for UMB Financial higher by about $0.20 to roughly $145.62, reflecting a series of recent target increases across Wall Street that are tied to updated views on fair value, discount rates, and expected P/E multiples. Analyst Commentary Street research on UMB Financial has centered on recalibrating price targets, with several firms updating their views around earnings expectations, discount rates, and assumed P/E multiples.
ナラティブの更新 • Feb 08

UMBF: Stable Fundamentals And Dovish Fed Expectations Will Shape 2026 Upside

Analysts lifted their price target on UMB Financial by about $7 to $145.42, citing updated views on fair value, profitability, and the future price-to-earnings ratio, supported by a recent series of target increases from multiple research firms. Analyst Commentary Recent research on UMB Financial shows a cluster of higher price targets, with most firms updating their views around the same time and focusing on fair value, earnings power, and how the shares are priced relative to expected profits.
ナラティブの更新 • Jan 24

UMBF: Stable Regional Conditions And Dovish Fed Outlook Will Support Upside

Analysts have nudged their price targets on UMB Financial higher, with one firm moving to $134 and another to $142, citing expectations for relatively stable regional bank conditions, strengthening loan and revenue trends, and supportive earnings drivers ahead. Analyst Commentary Recent research updates highlight a generally constructive view on UMB Financial, with price targets clustered in the low to mid $100s and comments centered on regional bank stability, loan trends, and upcoming earnings.
ナラティブの更新 • Jan 08

UMBF: Repricing Tailwinds And Dovish Fed Expectations Will Support Confidence Through 2026

Narrative Update: UMB Financial Analysts trimmed their UMB Financial price target by US$7 to US$142, pointing to updated Q4 bank expectations that factor in balance sheet growth, repricing tailwinds, and the potential for a more dovish Federal Reserve chair in 2026. Analyst Commentary Recent research reflects a mix of optimism about UMB Financial's setup for Q4 and 2026, alongside a bit more caution on valuation as seen in the lower price target.
ナラティブの更新 • Dec 14

UMBF: Stable Margins And Dividend Will Support Confidence Through 2026

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.
ナラティブの更新 • Nov 29

UMBF: Continued Momentum In Legacy Operations Will Build Confidence Through 2026

Analysts have raised their price target for UMB Financial by $14, citing stronger expected growth in key segments and continued momentum in legacy business operations. Analyst Commentary Analysts have provided nuanced commentary regarding UMB Financial’s prospects following the recent price target increase.
ナラティブの更新 • Nov 15

UMBF: Legacy Business Momentum Will Drive Renewed Confidence Ahead

Analysts have raised their price target for UMB Financial from $130 to $144, citing slightly improved profit and revenue growth projections as well as renewed momentum in legacy operations. Analyst Commentary Recent research notes on UMB Financial reflect both optimism and caution in light of the price target increase and updated growth projections.
ナラティブの更新 • Nov 01

UMBF: Heartland Turnaround Will Accelerate Profit Margin Gains Into 2026

Analysts have modestly lowered their price target for UMB Financial by about $2 to $137.54. They cite improved profit margins but reduced revenue growth expectations based on updated earnings outlooks and ongoing momentum in core business segments.
ナラティブの更新 • Oct 17

Heartland Integration And Midwest Expansion Will Deliver Efficiency Improvements

Analysts have raised their price target for UMB Financial by $1.63 to $139.38, citing a modest improvement in growth expectations and continued momentum in the company's core business. Analyst Commentary Bullish Takeaways Bullish analysts highlight the increase in the 2026 operating EPS estimate, now anticipated at $11.75.
ナラティブの更新 • Oct 03

Heartland Integration And Midwest Expansion Will Deliver Efficiency Improvements

Analysts have increased their price target for UMB Financial from $133 to $137.75, citing modest improvements in revenue growth, an improving operating environment, and ongoing positive momentum in core business segments. Analyst Commentary Recent research notes reveal a predominantly optimistic outlook for UMB Financial, with multiple price target increases and positive commentary surrounding the company’s growth trajectory, operating environment, and earnings estimates.
Seeking Alpha • Dec 28

UMB Financial: Loan Quality And M&A Make Shares Attractive

Summary UMB Financial shares gained over 35% in 2024, driven by strong credit quality, deposit growth, and a pending acquisition of Heartland Financial. UMB's smaller size offers a lighter regulatory burden, aiding its community-centric approach and strong loan book, with substantial excess liquidity and robust credit quality. Fixed reinvestment and the Heartland acquisition are expected to boost earnings, with potential EPS over $10.50 in 2025, making shares attractive at 10.8x forward earnings. I remain a buyer, expecting UMBF to trade closer to 12x earnings, pushing shares towards $126-130, up about 12% next year. Read the full article on Seeking Alpha
Seeking Alpha • Oct 01

UMB Financial: Good Value For The Conservative Investor

Summary Shares of Missouri-based UMB Financial have recovered most of their lost ground over the past 12 months. This bank has typically excelled on asset quality, meaningfully outperforming the industry in terms of net charge-offs. The deal to acquire Heartland Financial looks solid from UMB's perspective, pointing to strong EPS growth ahead. At less than 12x consensus 2024 EPS, these shares look like good value, especially for the more conservative investor. Read the full article on Seeking Alpha
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新しいナラティブ • Aug 30

Heartland Merger And Diversified Services To Propel Growth Amidst Analysts' Mixed Projections

Merger with Heartland Financial is poised to boost UMB's service range, potentially escalating revenues through synergies and enlarged market footprint.
Seeking Alpha • Aug 01

UMB Financial: Loan Quality Remains A Differentiator

Summary UMB Financial stock rallied 3% after strong Q2 results, up 47% for the year, as it has weathered the downturn in CRE loan quality exceptionally well. Deposit growth has been strong and despite higher deposit costs, its focus on institutional clients should generate further growth. Loan quality has been stellar, with low delinquencies and its conservative lending model blunting CRE risk, making UMB well-positioned for potential credit losses. With over $10 in pro forma 2025 earnings, shares continue to be attractive. Read the full article on Seeking Alpha

収支内訳

UMB Financial の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。

収益と収入の歴史

NasdaqGS:UMBF 収益、費用、利益 ( )USD Millions
日付収益収益G+A経費研究開発費
31 Mar 262,7328611,3480
31 Dec 252,4986851,3620
30 Sep 252,2175951,2710
30 Jun 251,9475241,1530
31 Mar 251,6574101,0320
31 Dec 241,5684419120
30 Sep 241,5243928810
30 Jun 241,4863798600
31 Mar 241,4613688510
31 Dec 231,4213508460
30 Sep 231,4123798490
30 Jun 231,4013718520
31 Mar 231,4384188260
31 Dec 221,4304328080
30 Sep 221,3894107970
30 Jun 221,3724167780
31 Mar 221,2933667720
31 Dec 211,2633537640
30 Sep 211,3604317560
30 Jun 211,3194097500
31 Mar 211,2873837560
31 Dec 201,1612877430
30 Sep 201,0241977390
30 Jun 201,0071867300
31 Mar 209901827160
31 Dec 191,0652447170
30 Sep 199932036930
30 Jun 199741986840
31 Mar 199571966690
31 Dec 189411966570
30 Sep 189792186540
30 Jun 189672096440
31 Mar 189571996420
31 Dec 179411836350
30 Sep 179171796180
30 Jun 178991706130
31 Mar 178831616030
31 Dec 168651545970
30 Sep 168651406020
30 Jun 168661236190
31 Mar 168611176240
31 Dec 15767975690
30 Sep 158441136190
30 Jun 158371275960

質の高い収益: UMBFは 高品質の収益 を持っています。

利益率の向上: UMBFの現在の純利益率 (31.5%)は、昨年(24.8%)よりも高くなっています。

フリー・キャッシュフローと収益の比較

過去の収益成長分析

収益動向: UMBFの収益は過去 5 年間で年間11.4%増加しました。

成長の加速: UMBFの過去 1 年間の収益成長率 ( 109.8% ) は、5 年間の平均 ( 年間11.4%を上回っています。

収益対業界: UMBFの過去 1 年間の収益成長率 ( 109.8% ) はBanks業界22.8%を上回りました。

株主資本利益率

高いROE: UMBFの 自己資本利益率 ( 11.3% ) は 低い とみなされます。

総資産利益率

使用総資本利益率

過去の好業績企業の発掘

7D

1Y

7D

1Y

7D

1Y

企業分析と財務データの現状

データ最終更新日（UTC時間）
企業分析2026/05/22 00:01
終値2026/05/22 00:00
収益2026/03/31
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
市場価格30年
  • 株価
  • 配当、分割、措置
所有権10年
  • トップ株主
  • インサイダー取引
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
主な進展10年
  • 会社からのお知らせ

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。

分析モデルとスノーフレーク

本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。

シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

UMB Financial Corporation 10 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。17

アナリスト機関
Jared David ShawBarclays
Brandon BermanBofA Global Research
Benjamin GerlingerCitigroup Inc