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Umb Financial Corp (UMBF) AI Forecast

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Umb Financial Corp (UMBF) Stock Forecast 2025

Umb Financial Corp (UMBF) AI Stock Price Forecast & Investment Analysis

Umb Financial Corp Stock Price Chart and Technical Analysis

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Umb Financial Corp (UMBF) - Comprehensive Stock Analysis & Investment Research

Deep dive into Umb Financial Corp's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on June 27, 2026, 12:13 a.m. (UTC)

Umb Financial Corp Investment Summary

When evaluating whether Umb Financial Corp (UMBF) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Umb Financial Corp (UMBF) operates within the Finance sector, specifically in the National Commercial Banks industry. . With a market capitalization of $11 billion, the company is a large-cap stock offering relative stability combined with growth potential.

Financial Performance Analysis

Our comprehensive financial analysis covers Umb Financial Corp's revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Umb Financial Corp along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Umb Financial Corp is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

Umb Financial Corp (Stock Symbol: UMBF) is a prominent company operating within the Finance sector, with a specific focus on the National Commercial Banks industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about Umb Financial Corp's leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Umb Financial Corp...

Sector & Industry Analysis

In-depth sector dynamics and industry context for Umb Financial Corp...

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Revenue & Growth Analysis

Umb Financial Corp generates annual revenues of $3 billion , indicating a well-established business with proven market demand.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Umb Financial Corp...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Umb Financial Corp...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Umb Financial Corp...

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Strategic Market Position

Umb Financial Corp strategically competes in the highly dynamic National Commercial Banks marketplace. As a large-cap market participant, the company has established significant competitive advantages and market presence. Large-cap companies typically benefit from brand recognition, operational scale, diverse revenue streams, and the financial resources to invest in research and development, marketing, and strategic acquisitions. This size category attracts substantial institutional ownership and analyst coverage.

Industry Competitive Landscape

Umb Financial Corp competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $981 million annually . Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.04x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Umb Financial Corp (UMBF) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Umb Financial Corp stock analysis.

Deep dive into Umb Financial Corp's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Umb Financial Corp stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Umb Financial Corp: With a P/E ratio of 12.40, the market sees the stock as potentially undervalued.

P/E Ratio 12.40x
P/B Ratio 1.40x
Market Cap $10.94B
Dividend Yield 1.33%
EPS $2.60
Book Value/Share $103.03
Revenue/Share $35.96
FCF/Share $12.91
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Umb Financial Corp converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Umb Financial Corp: An ROE of 1.3% indicates room for improvement in shareholder value creation.

ROE 1.3%
ROA 0.1%
Net Margin 17.0%
EBT Margin 23.7%
Tax Rate 28.3%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Umb Financial Corp's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Umb Financial Corp:

D/E Ratio 8.29x
Financial Leverage 9.29x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Umb Financial Corp's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Umb Financial Corp: Free cash flow of $981M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $184M
Free Cash Flow $981M
Capital Spending $797M
FCF/Sales 35.9%
CapEx/Sales 29.2%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Umb Financial Corp uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Umb Financial Corp: An asset turnover of 0.04x suggests room for improvement in asset utilization.

Asset Turnover 0.04x
Understanding Financial Statement Data

What these metrics mean: Key figures from Umb Financial Corp's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Umb Financial Corp: With annual revenue of $2732M, Umb Financial Corp operates at significant scale.

Income Statement
Total Revenue $2.73B
Net Income $104M
Balance Sheet Highlights (% Of Assets)
Total Liabilities 64847%
Dividend & Shareholder Information
Dividends Per Share $1.91
Payout Ratio 0.1%
Shares Outstanding 76M
Growth Metrics (YoY)
Net Income Growth 17.0%
EPS Growth 1.8%

Latest Umb Financial Corp Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Umb Financial Corp (UMBF) stock price and investment outlook.

📰 We are currently updating our news feed for Umb Financial Corp. Check back soon for the latest market analysis and company updates.

Umb Financial Corp Competitors & Peer Analysis - Finance Sector

Comparative analysis of Umb Financial Corp against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Alerus Financial Corp ALRS ██% $777M 28.7x 1.4x
Jpmorgan Chase & Co AMJB ██% $88.86B 1.5x 0.3x
Amerant Bancorp Inc. AMTB ██% $1.01B 17.4x 1.1x
Ubs Ag AMUB ██% $82.30B x x
Arrow Financial Corp AROW ██% $540M 15.7x 1.3x
Ameriserv Financial Inc /Pa/ ASRV ██% $66M 12.0x 0.6x
Ames National Corp ATLO ██% $271M 12.6x 1.3x
Bank Of America Corp /De/ BAC ██% $412.68B 13.0x 1.4x
Bank Of America Corp /De/ BAC-PB ██% $186.97B 6.3x 0.6x
Bank Of America Corp /De/ BAC-PE ██% $147.76B 5.0x 0.5x
Bank Of America Corp /De/ BAC-PK ██% $183.31B 6.2x 0.6x
Bank Of America Corp /De/ BAC-PL ██% $9.15T 308.5x 30.1x
Bank Of America Corp /De/ BAC-PM ██% $167.48B 5.7x 0.6x
Bank Of America Corp /De/ BAC-PN ██% $156.26B 5.3x 0.5x
Bank Of America Corp /De/ BAC-PO ██% $133.91B 4.5x 0.4x
Bank Of America Corp /De/ BAC-PP ██% $126.87B 4.3x 0.4x
Bank Of America Corp /De/ BAC-PQ ██% $131.34B 4.4x 0.4x
Bank Of America Corp /De/ BAC-PS ██% $147.69B 5.0x 0.5x
Bank Of America Corp /De/ BACRP ██% $1.47T 49.5x 4.8x
Banc Of California, Inc. BANC ██% $3.20B 12.9x 0.9x
Banc Of California, Inc. BANC-PF ██% $3.81B 18.3x 1.1x
Bancfirst Corp /Ok/ BANF ██% $3.85B 15.5x 2.0x
Bancfirst Corp /Ok/ BANFP ██% $866M 3.7x 0.5x
California Bancorp \ Ca BCAL ██% $670M 11.2x 1.2x
Bank First Corp BFC ██% $1.66B 22.7x 2.0x
Burke & Herbert Financial Services Corp. BHRB ██% $1.44B 12.2x 1.7x
Bank Of America Corp /De/ BML-PG ██% $141.09B 4.8x 0.5x
Bank Of America Corp /De/ BML-PH ██% $141.02B 4.8x 0.5x
Bank Of America Corp /De/ BML-PJ ██% $151.35B 5.1x 0.5x
Bank Of America Corp /De/ BML-PL ██% $145.12B 4.9x 0.5x
Bok Financial Corp BOKF ██% $8.45B 13.8x 1.4x
Citigroup Inc C ██% $259.70B 18.2x 1.2x
Camden National Corp CAC ██% $919M 11.5x 1.3x
Carter Bankshares, Inc. CARE ██% $745M 6.9x 1.5x
Pathward Financial, Inc. CASH ██% $1.88B 7.2x 2.2x
Consumers Bancorp Inc /Oh/ CBKM ██% $93M 8.2x 1.1x
Chain Bridge Bancorp Inc CBNA ██% $259M 11.9x 1.5x
Capital Bancorp Inc CBNK ██% $573M 10.4x 1.4x
Community Financial System, Inc. CBU ██% $3.25B 15.8x 1.7x
Coastal Carolina Bancshares, Inc. CCNB ██% $127M x 8.9x
Cf Bankshares Inc. CFBK ██% $197M 10.9x 1.0x
California First Leasing Corp CFNB ██% $15.24B 439.0x 77.7x
Cullen/Frost Bankers, Inc. CFR ██% $9.80B 14.7x 2.2x
Cullen/Frost Bankers, Inc. CFR-PB ██% $1.15B 1.8x 0.3x
City Holding Co CHCO ██% $1.91B 14.5x 2.4x
Comerica Inc CMA ██% $11.53B 16.1x 1.3x
Community Bancorp /Vt CMTV ██% $207M 11.6x 1.8x
Capital One Financial Corp COF ██% $126.19B 39.2x 1.1x
Capital One Financial Corp COF-PI ██% $12.58B 8.9x 0.1x
Capital One Financial Corp COF-PJ ██% $11.84B 8.4x 0.1x
Capital One Financial Corp COF-PK ██% $11.46B 8.1x 0.1x
Capital One Financial Corp COF-PL ██% $10.94B 7.7x 0.1x
Capital One Financial Corp COF-PN ██% $10.72B 7.6x 0.1x
Citigroup Inc C-PN ██% $58.27B 4.0x 0.3x
Dime Commercial Bancshares, Inc. /Ny/ DCOM ██% $1.76B 14.2x 1.2x
Dime Community Bancshares, Inc. /Ny/ DCOMG ██% $1.16B 19.8x 0.8x
Dime Community Bancshares, Inc. /Ny/ DCOMP ██% $836M 14.3x 0.6x
Enb Financial Corp ENBP ██% $160M 7.5x 1.0x
First Commonwealth Financial Corp /Pa/ FCF ██% $2.08B 13.2x 1.3x
Fidelity D & D Bancorp Inc FDBC ██% $294M 9.9x 1.2x
First Financial Bancorp /Oh/ FFBC ██% $3.47B 12.5x 1.2x
First Horizon Corp FHN ██% $12.28B 12.0x 1.3x
First Horizon Corp FHN-PC ██% $12.98B 14.6x 1.5x
First Horizon Corp FHN-PE ██% $12.87B 14.5x 1.4x
First Horizon Corp FHN-PF ██% $9.42B 10.6x 1.1x
Ubs Ag FIEE ██% $36M x x
Financial Institutions Inc FIISO ██% $2.62B x 4.2x
Financial Institutions Inc FISI ██% $760M 9.6x 1.2x
Farmers & Merchants Bancorp FMCB ██% $904M 9.6x 1.4x
Fnb Corp/Pa/ FNB ██% $6.88B 11.8x 1.0x
First Bancorp, Inc /Me/ FNLC ██% $384M 10.6x 1.3x
First Merchants Corp FRME ██% $2.71B 13.6x 1.0x
First Merchants Corp FRMEP ██% $1.47B 6.3x 0.6x
Firstsun Capital Bancorp FSUN ██% $1.76B 18.3x 1.5x
Fulton Financial Corp FULT ██% $4.36B 11.1x 1.3x
Fulton Financial Corp FULTP ██% $3.48B 9.6x 1.0x
First United Corp/Md/ FUNC ██% $279M 11.0x 1.4x
Guaranty Bancshares Inc /Tx/ GNTY ██% $553M 15.3x 1.7x
Hanmi Financial Corp HAFC ██% $968M 12.0x 1.2x
Huntington Bancshares Inc /Md/ HBAN ██% $36.29B 16.4x 1.1x
Huntington Bancshares Inc /Md/ HBANL ██% $37.75B 17.0x 1.7x
Huntington Bancshares Inc /Md/ HBANM ██% $33.44B 15.1x 1.5x
Huntington Bancshares Inc /Md/ HBANP ██% $26.05B 11.7x 1.2x
Hope Bancorp Inc HOPE ██% $1.73B 24.7x 0.8x
Hawthorn Bancshares, Inc. HWBK ██% $270M 11.2x 1.5x
Jpmorgan Chase & Co JPM ██% $897.96B 15.3x 2.5x
Jpmorgan Chase & Co JPM-PC ██% $71.22B 1.2x 0.2x
Jpmorgan Chase & Co JPM-PD ██% $70.80B 1.2x 0.2x
Jpmorgan Chase & Co JPM-PJ ██% $58.06B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PK ██% $55.54B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PL ██% $56.46B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PM ██% $52.61B 0.9x 0.2x
Keycorp /New/ KEY ██% $25.38B 13.0x 1.3x
Keycorp /New/ KEY-PI ██% $27.84B 25.9x 1.4x
Keycorp /New/ KEY-PJ ██% $24.50B 22.8x 1.2x
Keycorp /New/ KEY-PK ██% $24.50B 22.8x 1.2x
Keycorp /New/ KEY-PL ██% $28.04B 26.1x 1.4x
Landmark Bancorp Inc LARK ██% $185M 9.7x 1.2x
Lcnb Corp LCNB ██% $252M 11.0x 0.9x
Bank Of America Corp /De/ MER-PK ██% $188.29B 6.4x 0.6x
Mizuho Financial Group Inc MFG ██% $116.83B 0.1x 0.0x
Meridian Corp MRBK ██% $238M 11.1x 1.2x
Mizuho Financial Group Inc MZHOF ██% $104.20B x 0.0x
National Bank Holdings Corp NBHC ██% $1.99B 18.7x 1.2x
Nbt Bancorp Inc NBTB ██% $2.57B 14.0x 1.3x
Newtekone, Inc. NEWT ██% $416M 6.5x 1.0x
Newtekone, Inc. NEWTG ██% $730M 12.3x 1.9x
Newtekone, Inc. NEWTH ██% $724M 12.2x 1.9x
Newtekone, Inc. NEWTI ██% $734M 12.4x 1.9x
Newtekone, Inc. NEWTZ ██% $721M 12.2x 1.9x
Nicolet Bankshares Inc NIC ██% $3.44B 25.8x 1.5x
National Bankshares Inc NKSH ██% $231M 13.1x 1.2x
Northwest Bancshares, Inc. NWBI ██% $2.21B 16.6x 1.2x
Oceanfirst Financial Corp OCFC ██% $1.09B 15.5x 0.7x
Old National Bancorp /In/ ONB ██% $10.00B 13.2x 1.2x
Old National Bancorp /In/ ONBPO ██% $9.89B 16.3x 1.2x
Old National Bancorp /In/ ONBPP ██% $9.89B 16.3x 1.2x
Optimumbank Holdings, Inc. OPHC ██% $70M 4.0x 0.6x
Peoples Financial Services Corp. PFIS ██% $652M 11.1x 1.2x
Patriot National Bancorp Inc PNBK ██% $124M x 1.4x
Pnc Financial Services Group, Inc. PNC ██% $99.34B 13.8x 1.6x
Pinnacle Financial Partners Inc PNFP ██% $14.29B 22.9x 2.1x
Pinnacle Financial Partners Inc PNFPP ██% $1.94B 3.1x 0.3x
Park National Corp /Oh/ PRK ██% $3.14B 17.5x 1.9x
Regions Financial Corp RF ██% $25.45B 11.4x 1.4x
Regions Financial Corp RF-PC ██% $22.50B 10.4x 1.2x
Regions Financial Corp RF-PE ██% $15.79B 7.3x 0.8x
Regions Financial Corp RF-PF ██% $23.07B 10.7x 1.2x
Simmons First National Corp SFNC ██% $3.29B x 1.0x
Southern First Bancshares Inc SFST ██% $567M 16.2x 1.5x
Shore Bancshares Inc SHBI ██% $755M 12.0x 1.3x
Smartfinancial Inc. SMBK ██% $790M 15.0x 1.4x
Seneca Bancorp, Inc. SNNF ██% $20M x 0.8x
Synovus Financial Corp SNV ██% $6.95B 8.7x 1.2x
Synovus Financial Corp SNV-PD ██% $3.51B 4.4x 0.6x
Synovus Financial Corp SNV-PE ██% $3.59B 4.5x 0.6x
Stellar Bancorp, Inc. STEL ██% $1.99B 18.9x 1.2x
Bancorp, Inc. TBBK ██% $2.56B 11.1x 3.7x
Truist Financial Corp TFC ██% $62.51B 11.5x 1.0x
Trustmark Corp TRMK ██% $2.72B 12.0x 1.3x
United Security Bancshares UBFO ██% $185M 15.0x 1.3x
United Bancshares Inc/Oh UBOH ██% $126M 11.1x 1.5x
Ubs Group Ag UBS ██% $168.65B x x
Umb Financial Corp UMBF ██% $10.94B 12.4x 1.4x
Umb Financial Corp UMBFO ██% $2.07B 3.4x 0.3x
Us Bancorp \De\ USB ██% $95.37B 12.2x 1.5x
Us Bancorp \De\ USB-PA ██% $1.21T 168.7x 19.1x
Us Bancorp \De\ USB-PH ██% $29.45B 4.1x 0.5x
Us Bancorp \De\ USB-PP ██% $36.73B 5.1x 0.6x
Us Bancorp \De\ USB-PQ ██% $24.37B 3.4x 0.4x
Us Bancorp \De\ USB-PR ██% $25.91B 3.6x 0.4x
Us Bancorp \De\ USB-PS ██% $29.28B 4.1x 0.5x
Virginia National Bankshares Corp VABK ██% $245M 12.2x 1.3x
Valley National Bancorp VLY ██% $8.22B 12.5x 1.1x
Valley National Bancorp VLYPN ██% $14.81B 28.6x 1.9x
Valley National Bancorp VLYPO ██% $14.13B 27.3x 1.8x
Valley National Bancorp VLYPP ██% $14.21B 27.4x 1.9x
Jpmorgan Chase & Co VYLD ██% $79.29B 1.4x 0.2x
Westamerica Bancorporation WABC ██% $1.39B 12.4x 1.6x
Wafd Inc WAFD ██% $2.79B 11.0x 0.9x
Wafd Inc WAFDP ██% $1.30B 5.8x 0.4x
Wilson Bank Holding Co WBHC ██% $6.76B 82.8x 11.4x
Webster Financial Corp WBS ██% $12.24B 12.0x 1.3x
Webster Financial Corp WBS-PF ██% $3.21B 3.5x 0.3x
Webster Financial Corp WBS-PG ██% $3.94B 4.3x 0.4x
Wells Fargo & Company/Mn WFC ██% $262.06B 12.1x 1.5x
Wells Fargo & Company/Mn WFCNP ██% $6.61B 0.3x 0.0x
Wells Fargo & Company/Mn WFC-PA ██% $61.44B 2.9x 0.3x
Wells Fargo & Company/Mn WFC-PC ██% $57.81B 2.8x 0.3x
Wells Fargo & Company/Mn WFC-PD ██% $56.37B 2.7x 0.3x
Wells Fargo & Company/Mn WFC-PL ██% $3.90T 185.1x 21.5x
Wells Fargo & Company/Mn WFC-PY ██% $77.02B 3.7x 0.4x
Wells Fargo & Company/Mn WFC-PZ ██% $62.35B 3.0x 0.3x
Wesbanco Inc WSBC ██% $3.68B 11.5x 0.9x
Wesbanco Inc WSBCP ██% $2.40B 18.0x 0.6x
Wsfs Financial Corp WSFS ██% $4.08B 13.2x 1.5x
Zions Bancorporation, National Association /Ut/ ZION ██% $10.12B 10.5x 1.4x
Zions Bancorporation, National Association /Ut/ ZIONP ██% $2.92B 3.4x 0.4x
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Frequently Asked Questions - Umb Financial Corp Stock Forecast

How accurate are Umb Financial Corp stock predictions?

Our AI model shows a -7% Spearman correlation coefficient for UMBF predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Umb Financial Corp stock price forecasts?

Our analysis considers Umb Financial Corp's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Umb Financial Corp a good investment in 2025?

Based on our AI analysis, Umb Financial Corp shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Umb Financial Corp forecasts updated?

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