UMBF Stock - UMB Financial Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $2.64B | $2.24B | $1.58B | $1.24B | $1.30B |
| Gross Profit | $1.41B | $1.28B | $1.32B | $1.18B | $1.09B |
| Gross Margin | 53.3% | 57.2% | 83.5% | 94.7% | 84.0% |
| Operating Income | $541.27M | $421.60M | $532.01M | $429.06M | $338.89M |
| Net Income | $441.24M | $350.02M | $431.68M | $353.02M | $286.50M |
| Net Margin | 16.7% | 15.6% | 27.3% | 28.4% | 22.1% |
| EPS | $9.05 | $7.22 | $8.93 | $7.31 | $5.95 |
UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
Visit WebsiteRating Distribution
Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| November 6th 2025 | RBC Capital Mkts | Upgrade | Outperform | $128 |
| October 6th 2025 | Hovde Group | Initiation | Outperform | - |
| May 13th 2025 | Truist | Initiation | Buy | $120 |
| April 16th 2025 | BofA Securities | Initiation | Buy | $105 |
| February 3rd 2025 | Citigroup | Downgrade | Neutral | $127← $130 |
| November 22nd 2024 | RBC Capital Mkts | Initiation | Sector Perform | $130 |
| November 21st 2024 | Morgan Stanley | Initiation | Overweight | $156 |
| October 10th 2024 | Citigroup | Initiation | Buy | $127 |
| May 31st 2024 | Keefe Bruyette | Upgrade | Outperform | $98 |
| April 30th 2024 | Barclays | Upgrade | Overweight | $95 |
| March 8th 2024 | Barclays | Initiation | Equal Weight | $91 |
| October 26th 2023 | Raymond James | Upgrade | Strong Buy | $80← $82 |
| October 26th 2023 | Janney | Upgrade | Buy | $73 |
| September 13th 2023 | Piper Sandler | Upgrade | Overweight | $74 |
| January 26th 2023 | Janney | Downgrade | Neutral | $94 |
Earnings History & Surprises
UMBFEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $2.71 | — | — | — |
Q4 2025 | Oct 28, 2025 | $2.50 | $2.70 | +8.0% | ✓ BEAT |
Q3 2025 | Jul 29, 2025 | $2.35 | $2.96 | +26.0% | ✓ BEAT |
Q2 2025 | Apr 29, 2025 | $2.21 | $2.58 | +16.7% | ✓ BEAT |
Q1 2025 | Jan 28, 2025 | $2.25 | $2.49 | +10.7% | ✓ BEAT |
Q4 2024 | Oct 29, 2024 | $2.20 | $2.19 | -0.5% | ✗ MISS |
Q3 2024 | Jul 30, 2024 | $2.01 | $2.07 | +3.0% | ✓ BEAT |
Q2 2024 | Apr 29, 2024 | $1.76 | $2.25 | +27.8% | ✓ BEAT |
Q1 2024 | Jan 30, 2024 | $1.76 | $2.29 | +30.1% | ✓ BEAT |
Q4 2023 | Oct 24, 2023 | $1.77 | $1.98 | +11.9% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $1.93 | $1.85 | -4.1% | ✗ MISS |
Q2 2023 | Apr 25, 2023 | $1.86 | $1.90 | +2.2% | ✓ BEAT |
Q1 2023 | Jan 24, 2023 | $1.99 | $2.06 | +3.5% | ✓ BEAT |
Q4 2022 | Oct 25, 2022 | $2.15 | $1.81 | -15.8% | ✗ MISS |
Q3 2022 | Jul 26, 2022 | $1.90 | $2.83 | +48.9% | ✓ BEAT |
Q2 2022 | Apr 26, 2022 | $1.67 | $2.17 | +29.9% | ✓ BEAT |
Q1 2022 | Jan 25, 2022 | $1.85 | $1.61 | -13.0% | ✗ MISS |
Q4 2021 | Oct 26, 2021 | $1.80 | $1.94 | +7.8% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $1.78 | $1.79 | +0.6% | ✓ BEAT |
Latest News
TD Cowen Maintains Buy on UMB Financial, Lowers Price Target to $142
📈 PositiveRBC Capital Upgrades UMB Financial to Outperform, Maintains Price Target to $128
📈 PositiveTD Cowen Maintains Buy on UMB Financial, Lowers Price Target to $149
➖ NeutralRaymond James Reiterates Strong Buy on UMB Financial, Lowers Price Target to $135
📈 PositivePiper Sandler Reiterates Overweight on UMB Financial, Lowers Price Target to $145
➖ NeutralUMB Financial Q3 Adj. EPS $2.70 Beats $2.45 Estimate, Sales $678.340M Beat $661.891M Estimate
📈 PositiveRBC Capital Maintains Sector Perform on UMB Financial, Raises Price Target to $128
➖ NeutralMorgan Stanley Maintains Overweight on UMB Financial, Raises Price Target to $154
📈 PositiveWells Fargo Maintains Equal-Weight on UMB Financial, Raises Price Target to $130
📈 PositiveTD Cowen Initiates Coverage On UMB Financial with Buy Rating, Announces Price Target of $151
📈 PositiveTruist Securities Maintains Buy on UMB Financial, Raises Price Target to $144
📈 PositiveFrequently Asked Questions about UMBF
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