1UMBF Stock Overview

Operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. More details

1UMBF fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	4/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 56.4% below our estimate of its fair value

Earnings are forecast to grow 33.69% per year

Earnings grew by 11.5% over the past year

Risk Analysis

Shareholders have been substantially diluted in the past year

Shares are highly illiquid

Significant insider selling over the past 3 months

Community vs My Fair Value

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UMB Financial Corporation Competitors

Banca Monte dei Paschi di Siena

BIT:BMPS

€10.1b

Banca Popolare di Sondrio

BIT:BPSO

€5.3b

Credito Emiliano

BIT:CE

€4.3b

FinecoBank Banca Fineco

BIT:FBK

€11.2b

Price History & Performance

Summary of share price highs, lows and changes for UMB Financial
Historical stock prices
Current Share Price	US$96.50
52 Week High	US$0
52 Week Low	US$0
Beta	0.73
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	14.88%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	1UMBF	IT Banks	IT Market
7D	7.8%	4.9%	3.1%
1Y	n/a	45.8%	13.6%

Return vs Industry: Insufficient data to determine how 1UMBF performed against the Italian Banks industry.

Return vs Market: Insufficient data to determine how 1UMBF performed against the Italian Market.

Price Volatility

Is 1UMBF's price volatile compared to industry and market?
1UMBF volatility
1UMBF Average Weekly Movement	n/a
Banks Industry Average Movement	6.0%
Market Average Movement	5.5%
10% most volatile stocks in IT Market	8.9%
10% least volatile stocks in IT Market	3.4%

Stable Share Price: 1UMBF's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1UMBF's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1913	3,698	J. Kemper	www.umb.com

UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service.

UMB Financial Corporation Fundamentals Summary

How do UMB Financial's earnings and revenue compare to its market cap?
1UMBF fundamental statistics
Market cap	€7.05b
Earnings (TTM)	€369.93m
Revenue (TTM)	€1.49b

19.8x

P/E Ratio

1.2x

P/B Ratio

Is 1UMBF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1UMBF income statement (TTM)
Revenue	US$1.66b
Cost of Revenue	US$0
Gross Profit	US$1.66b
Other Expenses	US$1.25b
Earnings	US$410.31m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	5.40
Gross Margin	100.00%
Net Profit Margin	24.76%
Debt/Equity Ratio	49.8%

How did 1UMBF perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

20%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/12 21:48
End of Day Share Price	2025/05/12 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

UMB Financial Corporation is covered by 15 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Jared David Shaw	Barclays
Brandon Berman	BofA Global Research
Benjamin Gerlinger	Citigroup Inc