UMBF
Umb Financial Corp Financials National Commercial Banks Russell 3000
$134.47Close
$10.2BMarket cap
$102.87 – $151.5052-week range
Jan 26, 2027Next report · estimated
Highlights
Strengths
- Tight base near its pivot pullbacks 13% → 9%; 2.1% below its $137.32 pivot
- Earnings growing EPS +47% year on year, faster than the quarter before (+20 pts)
Cautions
- Not in an uptrend 5 of 8 trend conditions
- Distribution down-day volume 1.6× up-day volume over 50 sessions
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
11%
1wk
down 0.8%
price change
1mo
up 3.4%
price change
12-month return
up 26%
market up 11% ·
its own up 14%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
14.5×
price / earnings
PEG
2.42
P/E / EPS growth
P/B
1.3×
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 63%
year on year
EPS growth
up 47%
latest quarter · +20 pts
Sales growth
up 14%
latest quarter · +1 pts
ROE
up 13%
return on equity
Free cash margin
—
D/E
0.06
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Trade setup
ATR%
2.4%
$3.24 a day · 2×ATR $128.00
RS
51 / 99
vs the universe
Trend
5 / 8
under the 150/200-day, under the 50-day, RS under 70
Relative volume
1.0×
vs 50-day average
Up/down volume
0.63
50 sessions
Implied move
—
no scheduled report
Contractions
2
13% → 9%
Pivot
$137.32
2.1% below
Volume dry-up
1.1×
10 vs 50 sessions
Trend template · 5 of 8
- Price above the 150 and 200-day averages: fails
- 150-day average above the 200-day: passes
- 200-day average rising for a month: passes
- 50-day average above the 150 and 200-day: passes
- Price above the 50-day average: fails
- At least 30% above the 52-week low: passes
- Within 25% of the 52-week high: passes
- RS rank 70 or higher: fails
Screen verdict
Did not qualify for any screen.
Warning signs
- Shareholders diluted The share count rose 55.6% over the year, from 49m to 76m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported
Oct 27, 2026
Results reaction
Oct 27, 2026-2% vs market2 sessions after results
Financials
- Net 26%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.3B | $1.5B | $1.5B | $1.6B | $2.7B |
| Net income | $286.5M | $353.0M | $431.7M | $350.0M | $441.2M | $702.4M |
| Net margin | 22% | 28% | 29% | 24% | 27% | 26% |
| Earnings per share | $5.93 | $7.24 | $8.86 | $7.18 | $8.99 | $9.53 |
| Cash | $3.5B | $9.2B | $1.6B | $5.5B | $8.4B | $7.8B |
| Long-term debt | $269.6M | $271.5M | $381.3M | $383.2M | $385.3M | $474.2M |
| Shareholders' equity | $3.0B | $3.1B | $2.7B | $3.1B | $3.5B | $7.7B |
| Shares outstanding | 48.01m | 48.43m | 48.32m | 48.55m | 48.81m | 75.96m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Oct 29, 2026 | Quarterly ↗ | Sep 30, 2026 | 29d |
| Jul 30, 2026 | Quarterly ↗ | Jun 30, 2026 | 30d |
| Apr 30, 2026 | Quarterly ↗ | Mar 31, 2026 | 30d |
| Feb 26, 2026 | Annual ↗ | Dec 31, 2025 | 57d |
| Oct 30, 2025 | Quarterly ↗ | Sep 30, 2025 | 30d |
| Jul 31, 2025 | Quarterly ↗ | Jun 30, 2025 | 31d |
| May 2, 2025 | Quarterly ↗ | Mar 31, 2025 | 32d |
| Feb 27, 2025 | Annual ↗ | Dec 31, 2024 | 58d |
| Oct 31, 2024 | Quarterly ↗ | Sep 30, 2024 | 31d |
| Aug 1, 2024 | Quarterly ↗ | Jun 30, 2024 | 32d |
| May 7, 2024 | Quarterly ↗ | Mar 31, 2024 | 37d |
| Feb 22, 2024 | Annual ↗ | Dec 31, 2023 | 53d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 29, 2026 | Director or officer change ↗ |
| Oct 27, 2026 | Results · Other events ↗ |
| Oct 27, 2026 | Regulation FD ↗ |
| Sep 1, 2026 | Regulation FD ↗ |
| Jul 28, 2026 | Results · Other events ↗ |
| Apr 30, 2026 | Shareholder vote ↗ |
| Apr 28, 2026 | Results · Other events ↗ |
| Feb 10, 2026 | Director or officer change ↗ |
| Jan 27, 2026 | Results · Other events ↗ |
| Oct 28, 2025 | Results · Other events ↗ |
| Aug 27, 2025 | Regulation FD ↗ |
| Jul 29, 2025 | Results · Other events ↗ |