UMBF
Financial ServicesUMB Financial Corporation · Banks - Regional · $10B
What is UMB Financial Corporation?
UMB Financial Corporation is a Kansas City-based bank holding company offering commercial, institutional, and personal banking services across the United States. Its subsidiary, UMB Bank, serves businesses, institutions, and individual clients through a diversified suite of financial products.
UMB Financial generates revenue through three core segments: Commercial Banking, which serves businesses with lending, treasury, and credit solutions; Institutional Banking, which provides asset management, fund administration, healthcare payment solutions, and custody services to institutional clients; and Personal Banking, which offers deposit accounts, retail credit, private banking, and home equity products to individual customers.
UMB Financial was established in 1980 and is headquartered in Kansas City, US.
- Commercial lending and treasury management
- Institutional asset management and fund administration
- Healthcare payment and health savings account custody services
- Personal banking, retail credit, and private banking
Is UMBF a Good Stock to Buy?
UQS Score rates UMBF as Below Average overall, reflecting meaningful challenges across several key dimensions of quality assessment.
Valuation stands out as the most favorable pillar for UMBF, rated Attractive relative to peers — suggesting the market may already be pricing in the company's headwinds. Quality and Growth both register as Neutral, indicating neither a clear advantage nor a significant drag in those areas.
The Moat and Risk pillars are both rated Weak, pointing to limited competitive differentiation and above-average exposure to financial or operational risks.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does UMBF pay dividends?
Yes — UMB Financial Corporation pays a dividend.
UMBF pays a regular dividend, which is common among established regional bank holding companies. Dividend payments reflect the company's ability to return capital to shareholders while managing its balance sheet. Investors seeking income should review the current yield and payout consistency on UMB Financial's investor relations page.
When does UMBF report earnings?
UMB Financial Corporation reports earnings on a quarterly cadence, typical for US-listed financial institutions.
Performance across recent quarters has reflected the broader regional banking environment, including shifting interest rate dynamics and evolving credit conditions. Institutional and healthcare-related banking segments have contributed to revenue diversification.
For the most recent quarter's results and guidance, visit UMB Financial Corporation's official investor relations page.
UMBF Price History
+38.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in UMB Financial Corporation?
Based on UMB Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
UMBF Long-term Outlook
With Growth and Quality both rated Neutral, UMBF's fundamental trajectory appears stable but not particularly dynamic. The Attractive Valuation label suggests limited downside pricing risk, though the Weak Moat and Weak Risk ratings indicate the company faces real competitive and operational pressures that could weigh on long-term performance.
Growth drivers
- Expansion of institutional banking and fund administration services
- Healthcare payment solutions and health savings account custody growth
- Diversified revenue across commercial, institutional, and personal segments
Key risks
- Limited competitive moat in a crowded regional banking landscape
- Sensitivity to interest rate cycles and credit quality deterioration
- Regulatory and capital requirements typical of bank holding companies
UMBF vs Peers
UMBF operates in the regional banking space alongside several peers with distinct geographic and business-model profiles.
Old National focuses on Midwest community and commercial banking, competing directly with UMBF in several regional markets.
Zions operates a larger multi-bank model across the Western US, with greater scale but similar exposure to commercial real estate and interest rate risk.
Popular serves primarily Puerto Rico and US Hispanic markets, giving it a differentiated geographic footprint compared to UMBF's Midwest-centric base.
Frequently Asked Questions
What does UMB Financial Corporation do?
UMB Financial Corporation is a bank holding company for UMB Bank, providing commercial lending, treasury management, institutional asset management, fund administration, healthcare payment solutions, and personal banking services. It operates across three segments: Commercial Banking, Institutional Banking, and Personal Banking.
Does UMBF pay dividends?
Yes, UMBF pays a regular dividend. This is consistent with the company's profile as an established regional bank holding company. For current yield and payment schedule details, check UMB Financial's investor relations page.
When does UMBF report earnings?
UMB Financial reports earnings on a quarterly basis, in line with standard practice for US-listed banks. For exact dates and upcoming reporting schedules, refer to the company's investor relations page.
Is UMBF a good stock to buy?
UQS Score rates UMBF as Below Average overall. While Valuation is rated Attractive, the Weak Moat and Weak Risk pillars present meaningful concerns. Investors should weigh these factors carefully. The full pillar breakdown is available to UQS Pro members.
Is UMBF overvalued?
Based on the UQS Valuation pillar, UMBF is rated Attractive, suggesting the stock is not considered overpriced relative to its fundamentals. However, valuation alone does not determine investment suitability — quality and risk factors also matter.
How does UMBF compare to its competitors?
UMBF competes with regional banks like Old National Bancorp, Zions Bancorporation, and Popular, Inc. Each operates in distinct geographies and market niches. UMBF differentiates through its institutional banking and healthcare payment capabilities. See the competitor comparison section for more context.
What is UMBF's market cap bracket?
UMBF is classified as a mid-cap stock, placing it between smaller community banks and the largest national banking institutions. Mid-cap financials often balance growth potential with established operational scale.
Who founded UMB Financial Corporation?
UMB Financial Corporation traces its roots to a long-standing banking tradition in the Kansas City region. The holding company structure was established in 1980. Detailed founding history is publicly available through the company's official website and historical records.
Is UMBF a long-term quality investment?
As a long-term quality indicator, UMBF's Below Average UQS Score — driven by Weak Moat and Weak Risk ratings — suggests caution. The Neutral Quality and Growth ratings indicate the business is functional but lacks the durable competitive advantages typically associated with high long-term quality scores.
What is the main competitive advantage of UMB Financial?
UMB Financial's institutional banking capabilities — including fund administration, healthcare payment solutions, and custody services — provide some differentiation from pure-play community banks. However, the UQS Moat pillar rates this advantage as Weak relative to broader financial sector peers.
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Pro Analysis
UMBF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 53.8 | 72.5 | 24.0 | 55.7 | 31.9 | 91.8 | +6.8 |
| May 7, 2026 | 47.0 | 44.3 | 24.0 | 55.7 | 32.3 | 93.2 | -0.1 |
| May 3, 2026 | 47.1 | 44.3 | 24.0 | 55.7 | 32.3 | 93.3 | 0.0 |
| Apr 19, 2026 | 47.1 | 44.3 | 24.0 | 55.7 | 32.3 | 93.4 | 0.0 |
| Apr 18, 2026 | 47.1 | 44.3 | 24.0 | 55.7 | 32.3 | 93.3 | -1.0 |
| Apr 2, 2026 | 48.1 | 44.3 | 24.0 | 55.7 | 32.3 | 100.0 | — |
UMBF — Pillar Breakdown
Quality
— 72.5/100 (25%)UMB Financial Corporation shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 55.7/100 (20%)UMB Financial Corporation demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 31.9/100 (15%)UMB Financial Corporation presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 91.8/100 (15%)UMB Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)UMB Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UMBF.
Score Composition
Financial Data
More Stock Analysis
How is the UMBF UQS Score Calculated?
The UQS (Unified Quality Score) for UMB Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses UMB Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether UMB Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.