What sector does UMB Financial Corp. belong to?

UMB Financial Corp. operates in the Financials sector, specifically the Regional Banks industry, and is listed on the US markets.

What is the current share price of UMBF?

As of the latest available quote, UMBF traded at $139.49. This price is delayed and cached for about 15 minutes.

What is the P/E ratio of UMBF?

UMB Financial Corp. has a price-to-earnings (P/E) ratio of about 11.60. The P/E ratio compares the share price to earnings per share and is most useful when compared with sector peers and the company's own history.

What is the market capitalisation of UMBF?

The market capitalisation of UMB Financial Corp. is approximately $10.55B.

Is UMB Financial Corp. profitable?

For its latest reported financial year, UMB Financial Corp. recorded a net profit margin of about 20.94%.

Does UMBF pay a dividend?

UMB Financial Corp. currently has a dividend yield of about 1.21%.

What is the return on equity (ROE) of UMBF?

UMB Financial Corp. has a return on equity (ROE) of about 8.75%. ROE measures how much profit a company generates relative to shareholders' equity.

What is the 52-week high and low of UMBF?

Over the past 52 weeks, UMBF has traded between a low of $103.38 and a high of $153.32.

UMB Financial Corp.

UMBF US Financials Regional Banks

S&P 400

$139.49

+0.09%

Delayed · cached 15 min

Fair value analysis

UMBF

UMB Financial Corp.

$139.49

Close used for this calculation

$185.66Fair value

Financial DNA Score

Profitability · Returns · Balance Sheet · Efficiency · Growth

63/100

Profitability21/25

Returns7/25

Balance Sheet21/25

Efficiency14/25

Growth17/25

Good

Quality radar

Consensus fair value

$185.66

Below FV

▲ +33.1% against the close used

Model range $72.10 – $256.78

The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$72.10Fair value$185.66Bull$256.78

FairClose

52-week traded range

52W low $103.9952W high $152.04

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

UMB Financial Corp. closed at $139.49, 24.9% below the consensus fair value of $185.66 drawn from 9 valuation models.

Financial DNA score 63/100 — Good. P/E of 15.0x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation

$256.78

+84.1%

Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10

g=9%, r=10%, tg=3%, n=10yr

Graham Number

$148.06

+6.1%

√(22.5 × EPS × BVPS)

EPS=9.29, BVPS=104.88

P/E Fair Value

$185.80

+33.2%

EPS × 20x (sector P/E)

EPS=9.29, Sector P/E=20x

Peter Lynch (PEG)

$112.22

-19.5%

EPS × Growth% (PEG = 1 is fair)

EPS=9.29, g=12.1%

EV/EBITDA

$215.70

+54.6%

(EBITDA × 16x − Net Debt) ÷ Shares

EBITDA=1.02B

Dividend Discount (DDM)

$88.13

-36.8%

D1 ÷ (r − g) where D1 = D0×(1+g)

D0=1.63, r=10%, g=8%

Book Value (P/B)

$72.10

-48.3%

BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]

BVPS=104.88, ROE=8.8%, g=6%, r=10%

Reverse DCF

$139.49

+0.0%

Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV

Implied: 3.3% | Historical: 12.1%

Margin of Safety

$147.66

+5.9%

Avg(DCF, Graham, P/E) × 75% (25% safety buffer)

Avg fair value=196.88, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Fair value analysis

Consensus fair value

Price target range & 52-week position

Valuation summary

All valuation models

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