Stock AnalizUmb Financial Corp. UMBF
Major Banks · data as of November 13, 2026
Umb Financial Corp. (UMBF) is a financial company listed in the US with a market value of about $10.2B. In the twelve months to September 30, 2026 it had revenue of $3.0B and net income of $1.0B, a net margin of 33.5%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is future growth (5/5); the weakest is track record (2/5).
Key numbers: a P/E of 10.1, a price to free cash flow of 8.9, 5-year revenue growth of 15% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 15% below the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
- 20% to 100% of free cash flow returned to shareholders
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.0B | $2.7B | $1.6B | $1.5B | $1.5B | $1.3B | $1.3B | $1.1B | $1.0B | $982M | $898M |
| Net income | $1.0B | $702M | $441M | $350M | $432M | $353M | $287M | $244M | $196M | $247M | $159M |
| Free cash flow | $1.1B | $978M | $205M | $450M | $718M | $500M | $313M | $268M | $238M | $290M | $246M |
| EPS (diluted) | $13.23 | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 | $4.96 | $3.93 | $4.96 | $3.22 |
| Net margin | 33.5% | 26.5% | 27.1% | 23.9% | 29.4% | 27.5% | 22.2% | 22.2% | 19.3% | 25.1% | 17.7% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 16 analysts is $161.06, 20% above the current price; targets range from $145.00 to $185.00; the consensus rating is “Buy”; expected EPS is $13.56 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Umb Financial’s P/E ratio?
About 10.1, based on the last twelve months of diluted earnings per share (forward P/E about 9.8).
Is Umb Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 15% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Umb Financial pay a dividend?
Yes. The dividend yield is about 1.49%, and it has paid dividends for 10 years in our data.
Is Umb Financial a good stock to buy?
We do not give buy or sell advice. Umb Financial scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.