UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
| Revenue (TTM) | $2.81B |
| Gross Profit (TTM) | $2.81B |
| EBITDA | — |
| Operating Margin | 51.10% |
| Return on Equity | 12.30% |
| Return on Assets | 1.31% |
| Revenue/Share (TTM) | $37.03 |
| Book Value | $97.41 |
| Price-to-Book | 1.41 |
| Price-to-Sales (TTM) | 3.88 |
| EV/Revenue | 4.247 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 26.20% |
| Quarterly Revenue Growth (YoY) | 12.20% |
| Shares Outstanding | $75.95M |
| Float | $72.94M |
| % Insiders | 5.29% |
| % Institutions | 97.74% |
Volatility is currently expanding
UMB Financial Corporation earns a soft ‘buy' rating for robust growth, high asset quality, and reasonable valuation. UMBF's institutional custody business surged 19% YoY to $250B AUC, supporting diversified revenue and Texas expansion. Despite 48.4% of deposits remaining uninsured, management is actively reducing exposure and improving deposit quality.
UMB Financial remains a buy with over 10% upside, supported by strong capital, loan growth, and fixed income reinvestment tailwinds. Recent Heartland integration has enhanced scale and branch density, positioning UMBF for continued organic growth below the $100B regulatory threshold. Q2 earnings of $3.57 beat estimates, with robust credit quality—net charge-offs at 16 bps and reserves covering over 3x nonperforming loans.
UMB Financial Corporation delivered 12.8% revenue growth in Q2 2026, beating expectations with strong loan portfolio expansion and commission-based revenue streams. UMBF trades at a discounted 11.5x GAAP P/E and 1.35x P/B, offering an attractive risk-reward profile versus sector peers despite robust profitability and low loan write-offs. Revenue diversification—68% net interest, 32% non-interest—provides resilience against rate volatility, while operational efficiency improved to a 44.8% ratio.
UMB (UMBF) reported earnings 30 days ago. What's next for the stock?
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UMB Financial Corporation (UMBF) Q2 2026 Earnings Call Transcript
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