UMBF · Umb Financial Corp
$145.92
-0.18 (-0.12%)
At close · Aug 20
Market Cap
$11.08B
Shares
75.95M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$146.10
Open$150.34
Day$145.49–150.43
52W close$103.99–152.04
Avg vol 30d585K
Short int3.4M · 4.5% float · 5.0d
Short vol72%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 30
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 30, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
+2%
above
RSI (14)
50
neutral
MACD trend
Negative
52-week position
88%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+4%
trailing
6-month return
+18%
trailing
YTD return
+27%
this year
Relative strength
+7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $143 › 200d $126 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +82 funds added
Insider flow
Distributing
Net -$6.8M over 90 days · 100% sells
Short interest
Falling
4.51% of float · ▼ -16.3% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
481 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
EPS growth
+3%
Y/Y
Free cash flow
$978.1M
Balance sheet
$5.5B
net cash
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
third quarter
Operating expense
$390M
2026
Effective tax rate
20% – 22%
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2023
Tax rate
· full year 2023
17% – 19%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
88%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $143 › 200d $126 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +82 funds added
Insider flow
Distributing
Net -$6.8M over 90 days · 100% sells
Short interest
Falling
4.51% of float · ▼ -16.3% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
481 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $104
Now $146 · 88%
Range high $152
vs 200-day avg +16%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| acres visited by UMB-hosted bees | 8,000 | 2025 | — |
| Active portfolio | 52 | 06/30/26 | — |
| associates participated in our matching gift program | 1,000 | 2025 | — |
| ATMs | 358 | quarter ended 06/30/26 | — |
| Available Liquidity Sources | $4.7B | As of June 30, 2026 | — |
| Average loans | 40.01B | Six Months Ended June 30, 2026 | — |
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| Average noninterest-bearing demand deposits | 14.91B | Six Months Ended June 30, 2026 | — |
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| Banking Centers | 192 | quarter ended 06/30/26 | — |
| board diversity | 50% | 2025 | — |
| board of directors | 14 | 2025 | — |
| cardboard | 5 | 2025 | — |
| comingled recycling | 6 | 2025 | — |
| Community Participants | 1,920 | quarter ended 06/30/26 | — |
| community support | $8.4M | 2025 | — |
| edible honey harvested since installation | £450 | 2025 | — |
| End-of-period loans | $41.1B | Q2 2026 | — |
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| executive leadership team are women and/or people of color | 43% | 2025 | — |
| female directors | 6 | 2025 | — |
| Financial Education Classes | 96 | quarter ended 06/30/26 | — |
| flowers visited by UMB-hosted bees | 98M | 2025 | — |
| funds | 2,500 | 2Q ’26 | — |
| hours of volunteer time | 17,600 | 2025 | — |
| independent members | 13 | 2025 | — |
| Industry Average | 38 | quarter ended 06/30/26 | — |
| invested in more efficient HVAC equipment | $2.9M | 2025 | — |
| Managed Assets (AUM) | $18.8B | 06/30/26 | — |
| members | 700 | 2025 | — |
| MLOs across UMB Footprint | 22 | quarter ended 06/30/26 | — |
| Net charge-offs | $15.9M | Q2 2026 | — |
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| Net interest margin | 3.32% | Three Months Ended June 30, 2026 | — |
| Net operating income available to common shareholders non-GAAP | 532.84M | Six Months Ended June 30, 2026 | — |
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| new hires were people of color | 28% | 2025 | — |
| new hires were veterans | 2% | 2025 | — |
| new hires were women | 59% | 2025 | — |
| Non-Managed Assets (AUA) | $2.5B | 06/30/26 | — |
| NPS Score | 69.1 | quarter ended 06/30/26 | — |
| Operating earnings per common share - diluted non-GAAP | $6.98 | Six Months Ended June 30, 2026 | — |
| Operating efficiency ratio non-GAAP | 48.14% | Q2 2026 | — |
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| Operating noninterest expense non-GAAP | 773.34M | Six Months Ended June 30, 2026 | — |
| Operating pre-tax, pre-provision income non-GAAP | 380.07M | Q2 2026 | — |
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| Operating pre-tax, pre-provision income - FTE non-GAAP | 388.9M | Q2 2026 | — |
| Operating return on average assets non-GAAP | 1.53% | Six Months Ended June 30, 2026 | — |
| Operating return on average common equity non-GAAP | 14.08% | Six Months Ended June 30, 2026 | — |
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| paid Volunteer Time Off annually | 16 | 2025 | — |
| participants logged more than volunteer time | 1,012 | 2025 | — |
| physical locations licensed with the OCC | 192 | 06/30/26 | — |
| Private Bankers | 44 | quarter ended 06/30/26 | — |
| Projected Contractual Accretion | $86.9M | YTD 2026 | — |
| reaching students | 8,200 | 2025 | — |
| recycled batteries | £540 | 2025 | — |
| regions | 13 | quarter ended 06/30/26 | — |
| retail branches | 189 | 06/30/26 | — |
| School of Economics held sessions | 140 | 2025 | — |
| UMB locations use automated systems to conserve energy | 88 | 2025 | — |
| unique charities | 572 | 2025 | — |
| went to organizations within our new markets | $2.3M | 2025 | — |
| Net interest margin (fully taxable equivalent) | 3.38% | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UMBF
this stock
Umb Financial Corp
|
$11.08B | +27.0% | — | — | 4.5% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
USB
US Bancorp De
|
$100.95B | +17.7% | +4.4% | 12.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UMBF | -2.2% | +3.8% | +18.1% | +0.3% | +27.0% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.8% | +0.9% | +6.5% | -2.7% | +14.2% |
Capital returns
Latest dividend
$0.43
/ share · ex Jun 10, 2026
Declared · upcoming
$0.50
/ share · ex Sep 10, 2026
Paid (TTM)
$1.69
/ share · 4 payouts
Dividend yield (TTM, derived)
1.16%
Buyback program
· as of Apr 29, 2025
Authorized
shares 1.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
101382
CUSIP
902788108
13F (30d)
433 filings
420 filers
Visit website
Investor relations