Stocktoria
UMB FINANCIAL CORP UMBF
UMB FINANCIAL CORP (UMBF) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.25% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-10 | Wells Fargo | Equal-Weight (main) |
| 2026-08-04 | Truist Securities | Buy (main) |
| 2026-08-03 | Barclays | Overweight (main) |
| 2026-07-31 | Citigroup | Neutral (main) |
| 2026-07-30 | RBC Capital | Outperform (main) |
| 2026-07-30 | Piper Sandler | Overweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UMBF | UMB FINANCIAL CORP | 5/9 | — | 15.5 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About UMB FINANCIAL CORP
UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, 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 banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, 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, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
FAQ
Is UMBF financially healthy?
UMB FINANCIAL CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does UMBF pay a dividend, and is it safe?
Yes. UMB FINANCIAL CORP pays a dividend yielding about 1.25% with a 19.3% payout ratio, rated “safe” for safety.
How profitable is UMBF?
In FY2025, UMB FINANCIAL CORP had a return on equity of 9.1%.
Is UMBF overvalued or undervalued?
UMB FINANCIAL CORP trades at about 16.1× trailing earnings — above its 10-year norm (10-year range 10.2×–24.0×, median 13.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UMBF?
The average Wall-Street price target for UMB FINANCIAL CORP is $167.31, about 11.9% above the recent price, from 13 analysts (consensus: buy).
Is UMBF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UMB FINANCIAL CORP: a Piotroski F-score of 5/9, a P/E of about 15.5×, a dividend yield of 1.25%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.