Ultime notizie per UMB Financial (NASDAQ:UMBF) Azioni

UMB FINANCIAL CORP

UMB Financial

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.

UMB Financial Corp

UMB Financial Corporation - Depositary Shares, each representing a 1/400th of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock

UMB Financial's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NYSE">UMBF</a>) short percent of float has risen 6.84% since its last report. The company recently reported that it has 2.40 million shares sold short, which is 3.75% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.46 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>UMB Financial Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1747767621_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for UMB Financial has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing UMB Financial's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, UMB Financial's peer group average for short interest as a percentage of float is 4.51%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

Trading Ideas

UMBF

Peering Into UMB Financial's Recent Short Interest

UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) has outperformed the market over the past 5 years by 3.2% on an annualized basis producing an average annual return of 17.95%. Currently, UMB Financial has a market capitalization of $8.20 billion. 
Buying $1000 In UMBF: If an investor had bought $1000 of UMBF stock 5 years ago, it would be worth $2,487.10 today based on a price of $107.99 for UMBF at the time of writing.
<h3>UMB Financial's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1747175410_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

News

$1000 Invested In UMB Financial 5 Years Ago Would Be Worth This Much Today

Truist Securities initiates coverage on UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Buy rating and announces Price Target of $120.

Price Target

Initiation

Analyst Ratings

Truist Securities Initiates Coverage On UMB Financial with Buy Rating, Announces Price Target of $120

UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) has outperformed the market over the past 5 years by 2.94% on an annualized basis producing an average annual return of 16.87%. Currently, UMB Financial has a market capitalization of $7.67 billion. 
Buying $1000 In UMBF: If an investor had bought $1000 of UMBF stock 5 years ago, it would be worth $2,117.38 today based on a price of $101.00 for UMBF at the time of writing.
<h3>UMB Financial's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746561649_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Here's How Much $1000 Invested In UMB Financial 5 Years Ago Would Be Worth Today

Piper Sandler analyst Nathan Race reiterates UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Overweight and raises the price target from $132 to $137.

Reiteration

Piper Sandler Reiterates Overweight on UMB Financial, Raises Price Target to $137

Throughout the last three months, 6 analysts have evaluated UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>), offering a diverse set of opinions from bullish to bearish.
The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets, analyzed by analysts, offer insights with an average target of $121.33, a high estimate of $146.00, and a low estimate of $105.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 6.43%. 
<img src="https://www.benzinga.com/files/images/story/2025/1746133244_0.png" alt="price target chart" />
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
The analysis of recent analyst actions sheds light on the perception of UMB Financial by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Karl Shepard</td>
<td>RBC Capital</td>
<td>Lowers</td>
<td>Sector Perform</td>
<td>$115.00</td>
<td>$128.00</td>
</tr>
<tr>
<td>Timur Braziler</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$110.00</td>
<td>$105.00</td>
</tr>
<tr>
<td>Timur Braziler</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Equal-Weight</td>
<td>$105.00</td>
<td>$120.00</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$125.00</td>
<td>$139.00</td>
</tr>
<tr>
<td>Brian Wilczynski</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$146.00</td>
<td>$156.00</td>
</tr>
<tr>
<td>Benjamin Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$127.00</td>
<td>$130.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to UMB Financial. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of UMB Financial compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for UMB Financial's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of UMB Financial's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/UMBF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on UMB Financial analyst ratings.</a>
<h2>About UMB Financial</h2>
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
<h3>UMB Financial: Financial Performance Dissected</h3>
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
Revenue Growth: UMB Financial's revenue growth over a period of 3M has been noteworthy. As of 31 March, 2025, the company achieved a revenue growth rate of approximately 29.42%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: UMB Financial's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 15.94%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): UMB Financial's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 1.61%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): UMB Financial's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.14%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.1.
<h2>The Basics of Analyst Ratings</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Deep Dive Into UMB Financial Stock: Analyst Perspectives (6 Ratings)

RBC Capital analyst Karl Shepard maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Sector Perform and lowers the price target from $128 to $115.

RBC Capital Maintains Sector Perform on UMB Financial, Lowers Price Target to $115

Wells Fargo analyst Timur Braziler maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Equal-Weight and raises the price target from $105 to $110.

Wells Fargo Maintains Equal-Weight on UMB Financial, Raises Price Target to $110

UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) reported quarterly earnings of $2.58 per share which beat the analyst consensus estimate of $2.19 by 17.81 percent. This is a 4.45 percent increase over earnings of $2.47 per share from the same period last year. The company reported quarterly sales of $563.84 million which beat the analyst consensus estimate of $559.01 million by 0.86 percent. This is a 41.43 percent increase over sales of $398.68 million the same period last year.

Earnings

Earnings Beats

UMB Financial Q1 Adj. EPS $2.58 Beats $2.19 Estimate, Sales $563.84M Beat $559.01M Estimate

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Earnings Scheduled For April 29, 2025

UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) will release its quarterly earnings report on Tuesday, 2025-04-29. Here's a brief overview for investors ahead of the announcement.
Analysts anticipate UMB Financial to report an earnings per share (EPS) of $2.10.
UMB Financial bulls will hope to hear the company announce they've not only beaten that estimate, but also to provide positive guidance, or forecasted growth, for the next quarter.
New investors should note that it is sometimes not an earnings beat or miss that most affects the price of a stock, but the guidance (or forecast).
<h3>Performance in Previous Earnings</h3>
The company's EPS beat by $0.23 in the last quarter, leading to a 0.77% increase in the share price on the following day.
Here's a look at UMB Financial's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.26</td>
<td>2.20</td>
<td>1.99</td>
<td>1.76</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.49</td>
<td>2.25</td>
<td>2.16</td>
<td>2.47</td>
</tr>
<tr>
<td>Price Change %</td>
<td>1.0%</td>
<td>4.0%</td>
<td>3.0%</td>
<td>2.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745859716_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of UMB Financial were trading at $95.66 as of April 25. Over the last 52-week period, shares are up 19.28%. Given that these returns are generally positive, long-term shareholders should be satisfied going into this earnings release. 
<a href="https://www.benzinga.com/quote/UMBF/earnings">To track all earnings releases for UMB Financial visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Insights into UMB Financial's Upcoming Earnings

UMB Financial's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NYSE">UMBF</a>) short percent of float has risen 19.17% since its last report. The company recently reported that it has 1.93 million shares sold short, which is 3.17% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.44 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>UMB Financial Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1744642883_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for UMB Financial has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing UMB Financial's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, UMB Financial's peer group average for short interest as a percentage of float is 3.76%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

How Do Investors Really Feel About UMB Financial?

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Shares of banking companies are trading lower as stocks pull back after surging Wednesday following President Trump's tariff pause announcement.

Ratings for UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) were provided by 6 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.
The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $129.0, a high estimate of $146.00, and a low estimate of $105.00. A 5.03% drop is evident in the current average compared to the previous average price target of $135.83. 
<img src="https://www.benzinga.com/files/images/story/2025/1744232450_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
The perception of UMB Financial by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
&#x7C; Analyst &#x7C; Analyst Firm &#x7C; Action Taken &#x7C; Rating &#x7C;Current Price Target&#x7C; Prior Price Target &#x7C; 
&#x7C;--------------------&#x7C;--------------------&#x7C;---------------&#x7C;---------------&#x7C;--------------------&#x7C;--------------------&#x7C; 
&#x7C;Timur Braziler &#x7C;Wells Fargo &#x7C;Lowers &#x7C;Equal-Weight &#x7C; $105.00&#x7C;$120.00 &#x7C; 
&#x7C;Jared Shaw &#x7C;Barclays &#x7C;Lowers &#x7C;Overweight &#x7C; $125.00&#x7C;$139.00 &#x7C; 
&#x7C;Brian Wilczynski &#x7C;Morgan Stanley &#x7C;Lowers &#x7C;Overweight &#x7C; $146.00&#x7C;$156.00 &#x7C; 
&#x7C;Benjamin Gerlinger &#x7C;Citigroup &#x7C;Lowers &#x7C;Neutral &#x7C; $127.00&#x7C;$130.00 &#x7C; 
&#x7C;Jon Arfstrom &#x7C;RBC Capital &#x7C;Maintains &#x7C;Sector Perform &#x7C; $128.00&#x7C;$128.00 &#x7C; 
&#x7C;Nathan Race &#x7C;Piper Sandler &#x7C;Raises &#x7C;Overweight &#x7C; $143.00&#x7C;$142.00 &#x7C;
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to UMB Financial. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of UMB Financial compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for UMB Financial's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of UMB Financial's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/UMBF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on UMB Financial analyst ratings.</a>
<h2>Discovering UMB Financial: A Closer Look</h2>
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
<h3>Understanding the Numbers: UMB Financial's Finances</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: UMB Financial's revenue growth over a period of 3M has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 17.74%. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 30.44%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): UMB Financial's ROE excels beyond industry benchmarks, reaching 3.43%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): UMB Financial's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.25%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.11.
<h2>The Basics of Analyst Ratings</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
Which Stocks Are Analysts Recommending Now?
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Forecasting The Future: 6 Analyst Projections For UMB Financial

AVAL

BANC

BANF

BBAR

BBDO

BSAC

BSBR

CBSH

GGAL

ITUB

MUFG

RRBI

SMFG

SUPV

Shares of banking companies are trading higher following President Trump's decision to implement a 90-day pause on reciprocal tariffs for all countries except China.

Wells Fargo analyst Timur Braziler maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Equal-Weight and lowers the price target from $120 to $105.

Wells Fargo Maintains Equal-Weight on UMB Financial, Lowers Price Target to $105

Barclays analyst Jared Shaw maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Overweight and lowers the price target from $139 to $125.

Barclays Maintains Overweight on UMB Financial, Lowers Price Target to $125

GSBC

Shares of banking companies are trading lower in response to President Trump's sweeping Liberation tariffs and retaliatory responses. The industry is now facing greater macroeconomic uncertainty and recession fears.

EWBC

FITB

ZION

Shares of banking companies are trading lower as markets react to President Trump's announcement of sweeping tariffs.

UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) has outperformed the market over the past 5 years by 1.91% on an annualized basis producing an average annual return of 18.23%. Currently, UMB Financial has a market capitalization of $7.41 billion. 
Buying $100 In UMBF: If an investor had bought $100 of UMBF stock 5 years ago, it would be worth $234.76 today based on a price of $101.98 for UMBF at the time of writing.
<h3>UMB Financial's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1743627613_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Here's How Much $100 Invested In UMB Financial 5 Years Ago Would Be Worth Today

Press Releases

UMB Expands Collateralized Loan Obligation (CLO) Division

UMB Announces Conference Call to Discuss Third Quarter 2024 Results

UMB Financial Corporation Reports Third Quarter Net Income of $109.6 Million and Net Operating Income(i) of $110.4 Million.

UMB Financial Corporation Receives Regulatory Approval to Acquire Heartland Financial USA, Inc.

UMB Announces Conference Call to Discuss Fourth Quarter and Full-Year 2024 Results

UMB Financial Corporation Reports Fourth Quarter Net Income of $120.0 Million and Net Operating Income(i) of $122.6 Million.
Full-Year 2024 Net Income of $441.2 Million; Net Operating Income(i) of $461.7 Million.

UMB Financial Corporation Completes Acquisition of Heartland Financial USA, Inc.

UMB Financial Corporation Announces Dividend on Series A Preferred Stock; Nasdaq UMBFP

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