Skip to main content
UMBF logo

UMBF

Umb Financial Corp
$144.59 +0.88 (+0.61%) At close · Jul 10
Market Cap
$10.99B
Shares
75,978,727

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$144.59 Open$144.61 Day$143.40–145.65 52W$102.60–146.90 Avg vol 30d630K Short int4.2M · 5.5% float · 4.4d Short vol81% Last earningsApr 28, 2026 DataJan 2020–Jul 2026 Filing10-Q · Apr 30
Up next
Next earnings call
Jul 28, 2026 Est · unconfirmed · in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Apr 30, 2026
AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Equibles Rating blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Moderate
      Market backdrop VIX 15 · calm Equity put/call 0.55
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +19%
      above
      Price vs 50-day avg +8%
      above
      RSI (14) 63
      neutral
      MACD trend Negative
      52-week position 95%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +9%
      trailing
      6-month return +18%
      trailing
      YTD return +26%
      this year
      Relative strength +9%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $134 › 200d $121 — 50d above 200d
      Institutional flow Accumulating
      20 of 450 funds reported for Jun 30 · net +362.8K sh shares · +1 new
      Insider flow Distributing
      Net -$1.3M over 90 days · 100% sells
      Short interest Rising
      5.47% of float · ▲ +15.0% MoM · 4.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      450 holders — near 3-yr high, broad support
      Squeeze score 74
      high risk · 0–100
      Fundamentals
      Excellent
      EPS growth +3%
      Y/Y
      Free cash flow $978.1M
      Valuation P/E 12.7
      below peers
      Balance sheet $7.3B
      net cash
      Quant / Vol
      risk profile
      Moderate
      Volatility 27%
      annualized · 1-yr
      Max drawdown −19%
      past year
      ATR 2.5%
      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.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 3 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +19% Bullish
      Price vs 50-day avg
      +8% Bullish
      RSI (14)
      63 Neutral
      MACD trend
      Negative Bearish
      52-week position
      95% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $134 › 200d $121 — 50d above 200d
      Institutional flow Accumulating
      20 of 450 funds reported for Jun 30 · net +362.8K sh shares · +1 new
      Insider flow Distributing
      Net -$1.3M over 90 days · 100% sells
      Short interest Rising
      5.47% of float · ▲ +15.0% MoM · 4.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      450 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $103 Now $145 · 95% 52-wk high $147
      vs 200-day avg +19% vs 50-day avg +8%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Net interest margin on a fully taxable equivalent basis 3.38% Q1 2026
      Return on average assets 1.47% Q1 2026
      Average deposits $57.6B Q4 2025
      Average loans $38.3B Q4 2025
      Average noninterest-bearing demand deposits $14.7B Q4 2025
      End-of-period deposits $60.7B as of December 31, 2025
      End-of-period loans $38.8B as of December 31, 2025
      Net charge-offs (basis points of average loans) 13 Q4 2025
      Net interest margin (fully taxable equivalent) 3.29% Q4 2025

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      UMBF
      Umb Financial Corp
      this stock
      $10.99B +26.2% 12.7 5.5%
      HDB
      Hdfc Bank Ltd
      $136.10B -27.4% +15.2% 0.4%
      MFG
      Mizuho Financial Group Inc
      $127.67B +43.2% 0.1%
      IBN
      Icici Bank Ltd
      $104.01B -2.7% 0.7%
      PNC
      Pnc Financial Services Group, Inc.
      $101.16B +21.6% +7.2% 14.6 1.9%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      450
      % held
      87.0%
      Reported
      20 of 450
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      479
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      4.2M
      Days to cover
      4.4d
      Change
      +541.9K sh
      View
      Short Volume
      Short vol %
      81%
      As of
      Jul 10, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      5.3K
      Value
      $708.7K
      As of
      Jun 12, 2026
      View
      Off-Exchange
      Off-exchange %
      44.6%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$1.3M
      Buyers / Sellers
      0 / 3
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Josh Gottheimer
      Amount
      $1.0K–$15.0K
      Traded
      Apr 9, 2025
      View
      Financials
      Financials
      Net income (FY)
      $702.4M
      EPS diluted
      $9.29
      View
      Buybacks
      Authorized
      shares 1.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Apr 30, 2026
      This year
      7
      View
      Proposed Sales
      Value
      $42.1K
      Shares
      288
      Filed
      Jul 8, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Apr 28, 2026
      View
      Investor Relations
      Upcoming events
      1
      View

      Performance

      5D 20D 120D MTD YTD
      UMBF +0.6% +9.2% +17.7% +1.3% +26.2%
      SPY +1.4% +4.1% +9.1% +1.1% +10.7%
      vs SPY -0.8% +5.1% +8.7% +0.2% +15.5%

      Capital returns

      Latest dividend
      $0.43 / share · ex Jun 10, 2026
      Raised 7.5%
      Paid (TTM)
      $1.69 / share · 4 payouts
      Dividend yield (TTM, derived)
      1.17%
      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) 21 filings 20 filers Visit website Investor relations