UMB Financial Corporation (UMBF) Stock

UMB Financial Corporation (UMBF) is a Financials stock trading at $145.91 (as of 2026-08-20), with a market capitalization of $11.09B and a trailing P/E of 11.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

UMB Financial Corporation is the bank holding company for UMB Bank, which provides banking and other financial services through Commercial Banking and Institutional Banking segments. Commercial Banking supports services such as commercial lending, treasury management, and related credit, while Institutional Banking offers asset management, fund services, custody, and corporate trust/escrow for institutional clients.

Understand UMB Financial Corporation: how it makes money

UMB Financial Corporation operates as the bank holding company for UMB Bank, providing commercial lending and credit products (including credit cards and commercial real estate financing), letters of credit, loan syndication and consulting, and treasury management services such as depository services, cash management, and accounts payable and receivable solutions.

Since UMB Bank’s core offerings center on commercial loans and real estate financing plus treasury management services, its profit engine is primarily tied to the performance of these lending and financial-services activities.

Business quality (Strong): You have a single-quarter snapshot (ending 2026-03-31) with revenue and operating margin, but no segment revenue split or operating KPI inputs were provided here, which limits the ability to pinpoint what is driving performance beyond the overall operating margin.

Valuation: At 11× earnings, UMBF trades 10% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Diversified revenue sources across lending, credit, and treasury services: The company’s described offering set includes commercial loans and credit products, commercial real estate financing, and treasury management services (depository, cash management, and accounts payable and receivable solutions), which can support a broader base of business activity.
Credit-related and fee-related business lines: The business description includes items such as letters of credit and consultative service, alongside lending and financing solutions, which can contribute to a mix of customer needs across corporate and commercial banking.

Bear case

Credit and real estate lending concentration risk: Because the business includes commercial loans and commercial real estate financing, periods of weaker borrower performance or stress in those areas can negatively affect outcomes for the bank.
Sensitivity to economic and customer cash-flow conditions: Treasury management and cash management tools depend on customer business activity and liquidity needs, so changes in corporate activity and cash-flow requirements can reduce demand or alter fee and service volumes.

Valuation — source: SEC EDGAR (first-party)
Price	$145.91
Market Cap	$11.09B
P/E Ratio	11.8
EV / EBITDA	4.5
Price / Book	1.38
Price / Sales	3.16
FCF Yield	9.4%
DCF Value (model)	$228.53
DCF Upside vs Price	56.6%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$3.35B
Net Margin	20.9%
Revenue Growth (YoY)	2.4%
EPS Growth (YoY)	26.1%
FCF Growth (YoY)	22.2%

Valuation vs Sector & Industry
Stock P/E	11.8
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-22.3%
vs Industry	-9.0%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($1.05B)
Institutional Holders Tracked	10
Congressional Trades (recent)	5

Company
Sector	Financials
Industry	Banking
CEO	J. Mariner Kemper
Employees	3,698
Country	US
IPO Date	1980-03-17

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.