UMB Financial Corporation (UMBF) – What Are Investment Firms Thinking About This Stock?

UMB Financial Corporation (NASDAQ:UMBF) has earned a consensus recommendation of “Moderate Buy” from the sixteen brokerages that are covering the company, MarketBeat Ratings reports. Four equities research analysts have rated the stock with a hold recommendation, eleven have assigned a buy recommendation and one has assigned a strong buy recommendation to the company. The average twelve-month price objective among brokers that have issued a report on the stock in the last year is $160.93.

Several analysts have recently weighed in on the company. UBS Group initiated coverage on UMB Financial in a research report on Monday, September 14th. They set a “neutral” rating and a $155.00 target price for the company. Royal Bank Of Canada dropped their price target on shares of UMB Financial from $170.00 to $168.00 and set an “outperform” rating for the company in a research note on Friday, October 9th. Piper Sandler dropped their price target on shares of UMB Financial from $181.00 to $169.00 and set an “overweight” rating on the stock in a research note on Thursday. JPMorgan Chase & Co. cut their target price on shares of UMB Financial from $180.00 to $160.00 and set an “overweight” rating for the company in a research report on Thursday, October 1st. Finally, Barclays reaffirmed an “overweight” rating and set a $175.00 price target (up from $170.00) on shares of UMB Financial in a research note on Monday, August 3rd.

Key Headlines Impacting UMB Financial

Here are the key news stories impacting UMB Financial this week:

• Positive Sentiment: TD Cowen maintained its Buy rating on UMB Financial, reinforcing the view that the stock’s earnings growth and strategic expansion justify additional upside. TD Cowen Reaffirms Their Buy Rating on UMB Financial
• Positive Sentiment: UMB Financial’s third-quarter performance showed continued growth: earnings per share exceeded analyst expectations, revenue increased 13.9% year over year, and EPS rose from $2.70 to $3.56. The earnings call also highlighted growth and expansion initiatives. UMB Financial 2026 Q3 Results
• Positive Sentiment: The company agreed to acquire El Dorado Savings Bank for approximately $506 million, giving UMB Financial entry into California and Nevada. The transaction is targeted to close in the first quarter of 2027 and could expand its geographic footprint and customer base. UMB Financial El Dorado Savings Bank Deal
• Positive Sentiment: Zacks characterized UMB Financial as both a strong momentum and value stock, potentially attracting investors seeking earnings growth at a comparatively reasonable valuation. Why UMB Financial Is a Strong Momentum Stock
• Neutral Sentiment: UMB Financial announced management changes, including a refocusing of Chief Risk Officer Shannon A. Johnson’s responsibilities. The changes may improve organizational focus, but their financial effect is not yet clear. UMB Financial Refocuses Chief Risk Officer Responsibilities
• Negative Sentiment: Citigroup lowered its price target from $162 to $145 and shifted to a Neutral rating. Although the revised target still implies upside, the downgrade signals reduced near-term conviction and may weigh on sentiment. Citigroup UMB Financial Rating
• Negative Sentiment: Director Kevin Gallagher sold 370 shares for approximately $49,883, reducing his holdings by 3.12%. The relatively small transaction is not necessarily a fundamental warning, but insider selling can add short-term caution. SEC Insider Sale Filing
• Negative Sentiment: Management expects fourth-quarter operating expenses of $400 million to $405 million while advancing the El Dorado transaction. Elevated expenses and acquisition-related costs could pressure near-term profitability before potential strategic benefits emerge. UMB Financial Fourth-Quarter Expense Outlook

UMB Financial Stock Performance

Shares of UMB Financial stock opened at $134.47 on Wednesday. The company has a 50 day simple moving average of $135.72 and a two-hundred day simple moving average of $131.20. UMB Financial has a 1 year low of $68.92 and a 1 year high of $144.36. The firm has a market cap of $10.21 billion, a PE ratio of 10.18, a PEG ratio of 0.62 and a beta of 0.84. The company has a debt-to-equity ratio of 0.04, a current ratio of 0.76 and a quick ratio of 0.76.

UMB Financial (NASDAQ:UMBF) last released its earnings results on Tuesday, October 27th. The bank reported $3.56 EPS for the quarter, topping analysts’ consensus estimates of $3.22 by $0.34. The firm had revenue of $772.39 million for the quarter, compared to analysts’ expectations of $744.81 million. UMB Financial had a return on equity of 14.07% and a net margin of 23.45%. The company’s quarterly revenue was up 13.9% on a year-over-year basis. During the same period in the prior year, the firm posted $2.70 earnings per share. Analysts expect that UMB Financial will post 13.79 earnings per share for the current fiscal year.

UMB Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which will be paid on Monday, January 4th. Stockholders of record on Thursday, December 10th will be issued a dividend of $0.50 per share. The ex-dividend date is Thursday, December 10th. This represents a $2.00 dividend on an annualized basis and a dividend yield of 1.5%. UMB Financial’s dividend payout ratio (DPR) is currently 15.14%.

Insiders Place Their Bets

In related news, Director Susan Murphy sold 1,377 shares of the business’s stock in a transaction on Thursday, August 6th. The stock was sold at an average price of $145.55, for a total value of $200,422.35. Following the sale, the director owned 10,635 shares of the company’s stock, valued at $1,547,924.25. The trade was a 11.46% decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available through this hyperlink. Also, CEO J. Kemper sold 15,062 shares of the company’s stock in a transaction dated Tuesday, August 4th. The shares were sold at an average price of $148.55, for a total value of $2,237,460.10. Following the completion of the sale, the chief executive officer directly owned 1,491,138 shares of the company’s stock, valued at approximately $221,508,549.90. This trade represents a 1.00% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Insiders have sold 19,754 shares of company stock valued at $2,923,924 in the last quarter. 5.33% of the stock is currently owned by insiders.

Institutional Inflows and Outflows

Institutional investors have recently bought and sold shares of the business. Boston Trust Walden Corp increased its holdings in shares of UMB Financial by 123.1% in the third quarter. Boston Trust Walden Corp now owns 441,538 shares of the bank’s stock worth $57,404,000 after purchasing an additional 243,652 shares during the period. Provenance Wealth Advisors LLC bought a new position in shares of UMB Financial during the third quarter valued at approximately $315,000. Oregon Public Employees Retirement Fund lifted its holdings in shares of UMB Financial by 1.0% during the third quarter. Oregon Public Employees Retirement Fund now owns 14,909 shares of the bank’s stock valued at $1,938,000 after purchasing an additional 149 shares in the last quarter. Summit Global Investments bought a new position in UMB Financial in the third quarter valued at about $632,000. Finally, VIRGINIA RETIREMENT SYSTEMS ET Al lifted its position in UMB Financial by 68.8% during the third quarter. VIRGINIA RETIREMENT SYSTEMS ET Al now owns 8,100 shares of the bank’s stock valued at $1,053,000 after purchasing an additional 3,300 shares in the last quarter. Institutional investors own 87.78% of the company’s stock.

About UMB Financial

UMB Financial Corporation is a financial holding company headquartered in Kansas City, Missouri. Its principal subsidiary, UMB Bank, provides banking and financial services to individuals, businesses, institutions and government entities. The company serves customers through banking offices and digital channels across the Midwest and other U.S. markets.

UMB Bank offers commercial and personal banking products, including deposit accounts, loans, treasury management, payment services and credit solutions.