UMB Financial Corporation

NasdaqGS:UMBF Stok Raporu

Piyasa değeri: US$10.6b

UMB Financial Geçmiş Kazanç Performansı

Geçmiş kriter kontrolleri 5/6

UMB Financial yıllık ortalama 15.2% oranında kazançlarını artırırken, Banks sektöründe kazançlar growing at 4% annual. Gelirler growing yılda ortalama 15.4% oranında artmaktadır. UMB Financial'in özkaynak karlılığı 11.7% ve net marjı 32.6%'dir.

Anahtar bilgiler

15.21%

Kazanç büyüme oranı

4.78%

EPS büyüme oranı

Banks Sektör Büyümesi11.18%
Gelir büyüme oranı15.42%
Özkaynak getirisi11.74%
Net Marj32.60%
Son Kazanç Güncellemesi30 Jun 2026

Yakın geçmiş performans güncellemeleri

Recent updates

Seeking Alpha • Sep 03

UMB Financial: Attractive Entry After Strong Q2 Growth, Efficiency Gains, And Heartland Integration

Summary UMB Financial Corporation delivered 12.8% revenue growth in Q2 2026, beating expectations with strong loan portfolio expansion and commission-based revenue streams. UMBF trades at a discounted 11.5x GAAP P/E and 1.35x P/B, offering an attractive risk-reward profile versus sector peers despite robust profitability and low loan write-offs. Revenue diversification—68% net interest, 32% non-interest—provides resilience against rate volatility, while operational efficiency improved to a 44.8% ratio. Risks include Heartland Financial integration, rapid loan growth, high commercial real estate exposure, and potential margin compression from deposit competition or rate declines. Read the full article on Seeking Alpha
Anlatı Güncellemesi • Aug 21

UMBF: Fee Income Breadth And Core Margin Stability Will Drive Future Upside

Analysts have nudged the UMB Financial fair value estimate higher toward $168, supported by recent increases in price targets across the Street that highlight the bank's fee income breadth, loan growth and net interest margin trends, while still allowing for risks from deposit costs and potential credit losses. Analyst Commentary Recent research on UMB Financial shows a broadly constructive tone, with many firms lifting price targets and a few staying more neutral.
Anlatı Güncellemesi • Jul 30

UMBF: Core Margin Strength And Fee Income Will Support Future Upside

Analysts have raised the UMB Financial fair value estimate from $157.77 to $164.38, reflecting updated price targets that rely on recent quarters of core margin expansion, fee income momentum, and broad-based loan growth as key supports for the stock's outlook. Analyst Commentary Recent Street research on UMB Financial clusters around a more constructive view on execution and earnings power, with multiple firms adjusting price targets higher after recent quarterly updates and initiation coverage.
Anlatı Güncellemesi • Jul 16

UMBF: Loan Growth And Fee Income Balance Margin Risks In Fairly Valued Shares

Analysts have raised the UMB Financial fair value estimate from $151.58 to $157.77. This reflects updated price targets clustered around $159 to $167, supported by views on consistent balance sheet growth, core deposit funding and peer-leading fee income contributions.
Anlatı Güncellemesi • Jul 01

UMBF: Earnings Momentum And Balance Sheet Mix Will Guide Future Risk Reward Profile

Analysts have lifted the UMB Financial price target range, with the internal fair value estimate moving from about $147.08 to $151.58. This reflects recent Street target increases from firms citing building revenue momentum and updated earnings previews for regional banks.
Anlatı Güncellemesi • Jun 17

UMBF: Earnings Momentum And Buybacks Will Shape Future Risk Reward Profile

Analysts have lifted their average price targets on UMB Financial by several dollars per share, citing updated views reflected in recent research that includes both higher and lower revisions from firms such as BofA, Truist, TD Cowen, Piper Sandler, Keefe Bruyette, Barclays, Autonomous, RBC Capital, and Morgan Stanley. Analyst Commentary Recent research on UMB Financial shows a mix of optimism and caution, with several firms adjusting price targets in both directions and one new initiation with a bullish stance.
Analiz Makalesi • Jun 17

UMB Financial (UMBF) Stock Could Be 8% Undervalued After Earnings Surprises And Conference Focus

Conference appearance puts recent UMB Financial stock momentum in focus UMB Financial (UMBF) recently presented at the Morgan Stanley US Financials Conference in New York, an event that put fresh attention on a stock already trading near a new 52 week high. See our latest analysis for UMB Financial. At the current share price of $135.32, UMB Financial sits close to its recent 52 week high, with a 30 day share price return of 8.56% and a 1 year total shareholder return of 39.02%. This points...
Anlatı Güncellemesi • Jun 01

UMBF: Share Repurchases And Lower Credit Losses Are Expected To Drive Upside

Analysts have raised their average price target on UMB Financial by a mid single digit dollar amount to reflect updated views on the bank's earnings power and risk profile, with several recent target increases partly offset by a few reductions. Analyst Commentary Recent research updates on UMB Financial show a mix of enthusiasm and caution, with several firms adjusting price targets both higher and lower and one firm starting coverage with a bullish view.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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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Yeni Anlatı • 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.

Gelir ve Gider Dağılımı

UMB Financial nasıl para kazanır ve harcar. LTM bazında en son bildirilen kazançlara dayanmaktadır.

Kazanç ve Gelir Geçmişi

NasdaqGS:UMBF Gelir, gider ve kazançlar (USD Millions )
TarihGelirKazançlarG+A GiderleriAr-Ge Giderleri
30 Jun 262,8149171,3570
31 Mar 262,7328611,3480
31 Dec 252,4986851,3620
30 Sep 252,2205951,2520
30 Jun 251,9495241,1340
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

Kaliteli Kazançlar: UMBF yüksek kaliteli kazançlar sağlıyor.

Büyüyen Kar Marjı: UMBF 'nin mevcut net kar marjları (32.6%) geçen yılın (26.9%) sinden daha yüksektir.

Serbest Nakit Akışı ve Kazanç Analizi

Geçmiş Kazanç Büyüme Analizi

Kazanç Eğilimi: UMBF şirketinin kazancı son 5 yılda yılda 15.2% oranında arttı.

Büyüme Hızlandırma: UMBF 'un son bir yıldaki kazanç büyümesi ( 74.9% ) 5 yıllık ortalamasını (yıllık 15.2% ) aşıyor.

Kazançlar vs. Sektör: UMBF geçen yılki kazanç büyümesi ( 74.9% ) Banks sektörünün 23.3% değerini aştı.

Özkaynak Getirisi

Yüksek ROE: UMBF 'nin Özsermaye Getirisi ( 11.7% ) düşük olarak değerlendiriliyor.

Varlık Getirisi

Kullanılan Sermaye Getirisi

Geçmişte güçlü performans gösteren şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/09/14 00:53
Gün Sonu Hisse Fiyatı2026/09/14 00:00
Kazançlar2026/06/30
Yıllık Kazançlar2025/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına Github sayfamızdan ulaşabilirsiniz; ayrıca raporlarımızı nasıl kullanacağınıza dair kılavuzlarımız ve YouTube’da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

UMB Financial Corporation 19 Bu analistlerden 15, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

AnalistKurum
Jared David ShawBarclays
Brandon BermanBofA Global Research
Benjamin GerlingerCitigroup Inc