UMB Financial Inkomsten in het verleden
Verleden criteriumcontroles 5/6
UMB Financial heeft de winst zien groeien met een gemiddeld jaarlijks percentage van 11.4%, terwijl de Banks-industrie de winst zag groeien met 2.8% per jaar. De inkomsten zijn gegroeid met een gemiddeld jaarlijks percentage van 13.2%. Het rendement op eigen vermogen van UMB Financial is 11.3%, en het heeft een nettomarge van 31.5%.
Belangrijke informatie
11.41%
Groei van de winst
2.91%
Groei van de winst per aandeel
| Banks Groei van de industrie | 11.18% |
| Inkomstengroei | 13.24% |
| Rendement op eigen vermogen | 11.28% |
| Nettomarge | 31.51% |
| Laatste winstupdate | 31 Mar 2026 |
Recente prestatie-updates uit het verleden
Recent updates
Narratiefupdate • 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 AlphaNarratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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 AlphaSeeking 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
Nieuw narratief • 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 AlphaOpbrengsten en kosten
Opbrengsten en kosten
Hoe UMB Financial geld verdient en uitgeeft. Gebaseerd op laatst gerapporteerde winst, op LTM-basis.
Inkomsten en omzetgeschiedenis
| Datum | Inkomsten | Inkomsten | G+A Uitgaven | R&D-uitgaven |
|---|---|---|---|---|
| 31 Mar 26 | 2,732 | 861 | 1,348 | 0 |
| 31 Dec 25 | 2,498 | 685 | 1,362 | 0 |
| 30 Sep 25 | 2,217 | 595 | 1,271 | 0 |
| 30 Jun 25 | 1,947 | 524 | 1,153 | 0 |
| 31 Mar 25 | 1,657 | 410 | 1,032 | 0 |
| 31 Dec 24 | 1,568 | 441 | 912 | 0 |
| 30 Sep 24 | 1,524 | 392 | 881 | 0 |
| 30 Jun 24 | 1,486 | 379 | 860 | 0 |
| 31 Mar 24 | 1,461 | 368 | 851 | 0 |
| 31 Dec 23 | 1,421 | 350 | 846 | 0 |
| 30 Sep 23 | 1,412 | 379 | 849 | 0 |
| 30 Jun 23 | 1,401 | 371 | 852 | 0 |
| 31 Mar 23 | 1,438 | 418 | 826 | 0 |
| 31 Dec 22 | 1,430 | 432 | 808 | 0 |
| 30 Sep 22 | 1,389 | 410 | 797 | 0 |
| 30 Jun 22 | 1,372 | 416 | 778 | 0 |
| 31 Mar 22 | 1,293 | 366 | 772 | 0 |
| 31 Dec 21 | 1,263 | 353 | 764 | 0 |
| 30 Sep 21 | 1,360 | 431 | 756 | 0 |
| 30 Jun 21 | 1,319 | 409 | 750 | 0 |
| 31 Mar 21 | 1,287 | 383 | 756 | 0 |
| 31 Dec 20 | 1,161 | 287 | 743 | 0 |
| 30 Sep 20 | 1,024 | 197 | 739 | 0 |
| 30 Jun 20 | 1,007 | 186 | 730 | 0 |
| 31 Mar 20 | 990 | 182 | 716 | 0 |
| 31 Dec 19 | 1,065 | 244 | 717 | 0 |
| 30 Sep 19 | 993 | 203 | 693 | 0 |
| 30 Jun 19 | 974 | 198 | 684 | 0 |
| 31 Mar 19 | 957 | 196 | 669 | 0 |
| 31 Dec 18 | 941 | 196 | 657 | 0 |
| 30 Sep 18 | 979 | 218 | 654 | 0 |
| 30 Jun 18 | 967 | 209 | 644 | 0 |
| 31 Mar 18 | 957 | 199 | 642 | 0 |
| 31 Dec 17 | 941 | 183 | 635 | 0 |
| 30 Sep 17 | 917 | 179 | 618 | 0 |
| 30 Jun 17 | 899 | 170 | 613 | 0 |
| 31 Mar 17 | 883 | 161 | 603 | 0 |
| 31 Dec 16 | 865 | 154 | 597 | 0 |
| 30 Sep 16 | 865 | 140 | 602 | 0 |
| 30 Jun 16 | 866 | 123 | 619 | 0 |
| 31 Mar 16 | 861 | 117 | 624 | 0 |
| 31 Dec 15 | 767 | 97 | 569 | 0 |
| 30 Sep 15 | 844 | 113 | 619 | 0 |
| 30 Jun 15 | 837 | 127 | 596 | 0 |
Kwaliteitswinsten: UMBF heeft hoge kwaliteitsinkomsten.
Groeiende winstmarge: De huidige netto winstmarges (31.5%) UMBF } zijn hoger dan vorig jaar (24.8%).
Analyse vrije kasstroom versus winst
Analyse van de winstgroei in het verleden
Winsttrend: De winst van UMBF is de afgelopen 5 jaar met 11.4% per jaar gegroeid.
Versnelling van de groei: De winstgroei van UMBF over het afgelopen jaar ( 109.8% ) overtreft het 5-jarig gemiddelde ( 11.4% per jaar).
Winst versus industrie: De winstgroei UMBF over het afgelopen jaar ( 109.8% ) overtrof de Banks -sector 22.8%.
Rendement op eigen vermogen
Hoge ROE: Het Rendement op eigen vermogen ( 11.3% ) van UMBF wordt als laag beschouwd.
Rendement op activa
Rendement op geïnvesteerd vermogen
Ontdek sterk presterende bedrijven uit het verleden
Bedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/05/21 18:00 |
| Aandelenkoers aan het einde van de dag | 2026/05/21 00:00 |
| Inkomsten | 2026/03/31 |
| Jaarlijkse inkomsten | 2025/12/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
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| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
| |
| Belangrijkste ontwikkelingen | 10 jaar |
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* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina. We hebben ook handleidingen over hoe je onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
UMB Financial Corporation wordt gevolgd door 17 analisten. 10 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Jared David Shaw | Barclays |
| Brandon Berman | BofA Global Research |
| Benjamin Gerlinger | Citigroup Inc |