What You Need to Know About UMB Financial Corporation's Q3 Earnings
UMB Financial Corporation's fiscal Q3 earnings report was released on Tuesday, July 28. Let's dive in to see if (UMBF) missed or beat analyst's expectations.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; 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 services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
Commentary & Analysis
Is UMB Financial Corporation (UMBF) Overvalued?
We dive into why UMB Financial Corporation (UMBF) could be considered overvalued on 2026-07-23, based on AAII’s Value Score and Grade.Rosalio Madrigal
Which Is a Better Investment, Fifth Third Bancorp or UMB Financial Corporation Stock?
Learn more about whether Fifth Third Bancorp or UMB Financial Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, M&T Bank Corporation or UMB Financial Corporation Stock?
Learn more about whether M&T Bank Corporation or UMB Financial Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, The PNC Financial Services Group, Inc. or UMB Financial Corporation Stock?
Learn more about whether The PNC Financial Services Group, Inc. or UMB Financial Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Financial Summary
| Share Statistics | UMBF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $11,078.1 | $751.0 | 79% |
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| Shares Out (Mil) | 76.4 | 15.4 | 57% |
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| Institutional Ownership | 97.0% | 83.2% | 72% |
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| Float (Mil) | 72.9 | 21.8 | 55% |
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| Beta | na | 0.43 | na |
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| Avg Daily Volume (000s) | 501 | 42 | 58% |
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| Price Change (52-week) |
25.8% | 94.6% | 66% |
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| Growth | UMBF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 16.6% | 7.7% | 76% |
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| Net Income (5yr) | 19.6% | 11.1% | 73% |
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| EPS (5yr) | 9.4% | 10.1% | 46 |
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| Dividends (5yr) | 5.5% | 3.6% | 87% |
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| Cash Flow (5yr) | (17.5%) | (17.1%) | 40% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 14 | 14 | 14 | |
| Current EPS | $3.204 | $13.205 | $13.931 | |
| Month Ago EPS | $3.192 | $12.954 | $13.767 | |
| # Rev Up | 1 | 1 | 0 | |
| # Rev Down | 0 | 0 | 2 | |
| Three Months Ago EPS | $3.177 | $12.878 | $13.698 | |
| Year/Year Chg | (10.0%) | 42.1% | 67.0% | |
| Financials | UMBF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $2,814 | $196 | 65% |
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| Net Income (TTM) (Mil) | $943 | $55 | 85% |
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| EPS (TTM) | $12.070 | $2.600 | 96% |
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| Operating Cash Flow (TTM) (Mil) | $1,089 | $36 | 82% |
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| Net Cash Flow (TTM) (Mil) | ($5,386) | $2 | 1% |
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| Long-Term Debt (Q1) (Mil) | $480 | $101 | 58% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | UMBF | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.43 | 1.25 | 36% |
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| P/E | 12.2 | 12.5 | 26% |
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| Dividend Yield | 1.4% | 2.2% | 71% |
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| PEG (5yr hist) | 1.3 | 1.1 | 54% |
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| Ratios | UMBF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 33.5% | 29.1% | 91% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 12.9% | 11.3% | 66% |
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| Liabilities to Assets | 88.9% | 89.7% | 83% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
GURU STRATEGY
Neff Screen
Factors: Value, Growth
An approach using a stringent contrarian viewpoint—finding undervalued, out-of-favor stocks in the bargain basement that have an optimistic future.
| Performance Since Inception: | 14.6% |
| +/- S&P 500: | +7.1 |
