UMBF · Umb Financial Corp
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| Average loans | $40.6B | Q2 2026 | — |
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| Efficiency ratio | 48.35% | Q2 2026 | — |
| End-of-period loans | $41.1B | Q2 2026 | — |
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| Net charge-offs | $15.9M | Q2 2026 | — |
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| Net interest margin (fully taxable equivalent) | 3.32% | Q2 2026 | — |
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| Nonperforming loans (basis points of total loans) | 31 | Q2 2026 | — |
| Operating efficiency ratio non-GAAP | 48.14% | Q2 2026 | — |
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| Operating pre-tax, pre-provision income non-GAAP | $380.1M | Q2 2026 | — |
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| Operating return on average assets non-GAAP | 1.56% | Q2 2026 | — |
| Operating return on average common equity non-GAAP | 14.22% | Q2 2026 | — |
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| Return on average assets | 1.55% | Q2 2026 | — |
| Return on average common equity | 14.16% | Q2 2026 | — |
| Average noninterest-bearing demand deposits | $15.1B | Q1 2026 | — |
| Net operating income available to common shareholders non-GAAP | $259.8M | Q1 2026 | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UMBF
this stock
Umb Financial Corp
|
$11.02B | +27.0% | — | 11.9 | 5.4% |
|
MFG
Mizuho Financial Group Inc
|
$130.23B | +46.0% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.06B | -34.9% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$109.32B | +3.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.84B | +23.9% | +7.2% | 13.9 | 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 sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UMBF | -0.3% | +1.0% | +13.3% | -0.4% | +27.1% |
| SPY | +3.6% | +2.2% | +12.8% | +2.9% | +12.7% |
| vs SPY | -3.9% | -1.3% | +0.5% | -3.3% | +14.3% |
Capital returns
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.