UMBF · Umb Financial Corp
$144.56
+1.22 (+0.85%)
At close · Aug 27
Market Cap
$10.89B
Shares
75.95M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$143.34
Open$144.32
Day$143.19–144.72
52W close$103.99–152.04
Avg vol 30d555K
Short int3.4M · 4.5% float · 6.7d
Short vol71%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 30
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 9 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
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.2 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+13%
above
Price vs 50-day avg
−1%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
82%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+22%
trailing
YTD return
+25%
this year
Relative strength
+10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $144 › 200d $127 — 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
4.47% of float · ▼ -0.9% MoM · 6.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
481 holders — near 3-yr high, broad support
Squeeze score
68
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
26%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
2.1%
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
Effective tax rate
· 2026
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 Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+13%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
82%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $144 › 200d $127 — 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
4.47% of float · ▼ -0.9% MoM · 6.7 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 $143 · 82%
Range high $152
vs 200-day avg +13%
vs 50-day avg -1%
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 | — |
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| Available Liquidity Sources | $4.7B | As of June 30, 2026 | — |
| Average loans | 40.01B | Six Months Ended June 30, 2026 | — |
| 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 | — |
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| 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 | — |
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| 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 | — |
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| 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 | — |
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| 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 | — |
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| Operating return on average assets non-GAAP | 1.53% | Six Months Ended June 30, 2026 | — |
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| 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 | — |
| Annual ACH Transactions | 116M | 1Q'26 | — |
| Assets Under Administration | $2.4B | as of 03/31/26 | — |
| Average Mortgage Balances | 4.6B | 1Q'26 | — |
| C&I loans | 17.5B | as of 03/31/26 | — |
| Commercial Lending Portfolio Average Loan Balance | 33.9B | 1Q'26 | — |
| Common equity Tier 1 capital ratio | 11.16% | March 31, 2026 | — |
| Consumer mortgage AUM | $17.9B | as of 03/31/26 | — |
| Custody AUA | 565B | 1Q'26 | — |
| HSA Account Holders | 1.8M | as of 03/31/26 | — |
| HSA Deposits | 3.2B | as of 03/31/26 | — |
| Institutional Banking AUA | $566.9B | 1Q'26 | — |
| Investment CRE & Construction Portfolio | 10.8B | as of 03/31/26 | — |
| Loans over 90 days past due as a % of total loans | 0.04% | Q1 2026 | — |
| Net interest margin (FTE) | 3.38% | Q1 2026 | — |
| Net interest spread | 2.55% | Three Months Ended March 31, 2026 | — |
| Net loan charge-offs as a % of total average loans | 0.19% | Q1 2026 | — |
| Nonaccrual and restructured loans as a % of total loans | 0.38% | Q1 2026 | — |
| Noninterest bearing deposits as % of total | 26.2% | Q1 2026 | — |
| Number of banking centers | 192 | As of March 31, 2026 | — |
| Operating pre-tax, pre-provision earnings per common share - diluted non-GAAP | $4.76 | Q1 2026 | — |
| Operating pre-tax, pre-provision earnings per common share - FTE - diluted non-GAAP | $4.88 | Q1 2026 | — |
| Owner-Occupied CRE & Farmland | 5.8B | as of 03/31/26 | — |
| Private Banking Deposits | 3.8B | 1Q'26 | — |
| Private Wealth Managed Assets (AUM) | 17.9B | as of 03/31/26 | — |
| Private Wealth Non-Managed Assets (AUA) | 2.4B | as of 03/31/26 | — |
| Return on average assets | 1.47% | Three Months Ended March 31, 2026 | — |
| Return on average common equity | 13.7% | Three Months Ended March 31, 2026 | — |
| Tangible book value per common share non-GAAP | $68.94 | March 31, 2026 | — |
| Tangible book value per share non-GAAP | $68.94 | As of March 31, 2026 | — |
| Tangible Common Equity Ratio non-GAAP | 7.44% | As of March 31, 2026 | — |
| Tier 1 leverage ratio | 8.73% | March 31, 2026 | — |
| Tier 1 risk-based capital ratio | 11.74% | March 31, 2026 | — |
| Total risk-based capital ratio | 13.53% | March 31, 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
|
$10.89B | +24.6% | — | — | 4.5% |
|
MFG
Mizuho Financial Group Inc
|
$126.71B | +42.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.39B | -36.6% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +29.9% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$105.45B | +1.2% | — | — | 0.7% |
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 | -1.9% | -3.3% | +22.0% | -1.6% | +24.6% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | -1.5% | -8.4% | +9.6% | -4.2% | +12.3% |
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)
1.18%
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)
379 filings
372 filers
Visit website
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