Stock Analysis
UMB Financial Corporation (UMBF) Stock Analysis
UMB Financial Corporation (UMBF) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
UMB Financial Corporation (UMBF) currently has an AIQ Score of 59/100, indicating a neutral setup. Quality is the strongest factor at 62/100. Value is the weakest current factor at 56/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
UMBF at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $132.91 |
| AIQ Score | 59/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Buy |
| Market Cap | $10.48B |
| P/E Ratio (TTM) | 11.42 |
| Forward P/E | — |
| EPS (quarter ended 2026-06-30) | $3.58 |
| Revenue (quarter ended 2026-06-30) | $1.12B |
| Dividend Yield (TTM) | 1.23% |
| Beta | 0.79 |
| Volume | 386.65K |
| 52-week range | $103.38-$153.32 |
| RSI 14 | 58.34 |
| 50-Day SMA | $137.79 |
| 200-Day SMA | $130.81 |
| Analyst Price Target | $162.33 |
| Next Earnings | Oct 27, 2026 |
UMBFUMB Financial Corporation
Financial Services / Banks - Regional
Low Priority
Above Peers
Latest quote
- Momentum58
- Value56
- Quality62
- Risk resilience60
- Sentiment—
UMBF Stock Analysis Summary
UMB Financial Corporation (UMBF) currently has an AIQ Score of 59/100, indicating a neutral setup. Quality is the strongest factor at 62/100. Value is the weakest current factor at 56/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, UMBF has AIQ Score of 59/100 with Quality base of 62/100 and fading Value at 56/100. Wait for component alignment before adding exposure.
Financial Services · -0.14% stock move · UMBF classified in Banks - Regional.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is UMBF Bullish or Bearish Right Now?
UMBF currently has a neutral overall setup. Quality is the strongest factor at 62/100, while Value is weakest at 56/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Quality is supportive at 62/100.
- - Risk Resilience is supportive at 60/100.
- - Analyst target implies +22.14% upside from the latest quote.
- - Technical consensus has more buy votes than sell votes (25 vs 12).
- - No strong bearish evidence is available in the current snapshot.
Current Consensus
UMBF's Technical Analysis Consensus is currently Buy, with 25 buy, 8 neutral, and 12 sell votes. UMBF's 14-day RSI is 58.34, which places the stock in a constructive momentum range. UMBF's beta is 0.79, indicating lower market sensitivity than the broad market.
What Changed in UMBF?
The largest recent change in UMBF is Momentum moving up by 31.0 points over the available 7-day comparison window. Quality remains the strongest visible factor.
What Would Change the UMBF Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
UMBF Decision Framework
Public evidence layers, setup checks, and risk context for UMB Financial Corporation.
UMB Financial Corporation (UMBF) Stock Analysis
UMB Financial Corporation has an AIQ Score of 59/100 in a Neutral regime. Quality is strongest at 62/100. Beta is 0.83, below market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | UMBF is in a Neutral AIQ regime with score 59/100. |
| Signal Conflict | The primary conflict is that quality leads at 62/100 while value lags at 56/100. |
| Factor Evidence | Momentum 58/100 · Value 56/100 · Quality 62/100 · Risk 60/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Quality is the strongest factor at 62/100.
Momentum is 58/100 and RSI (14) is 58.3.
UMBF is in a Neutral regime at 59/100.
Risk factor is 60/100 with beta 0.83 and annual volatility 24.34%.
Current conflict: quality leads at 62/100 while value lags at 56/100.
UMBF Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
UMBF Fundamentals
UMBF valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
UMBF Technical Analysis
UMBF technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
UMBF Stock Catalysts
Track UMBF earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
UMBF Dividend Analysis
UMBF dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
UMBF Financial Data
UMBF revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
UMBF Risk Analysis
UMBF volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
UMBF Stock News
UMBF stock news, market tone, recent headlines, and catalyst context.
UMBF vs Regional Banks Peers
Current peer cohort: UMBF · VLY · WAFD · WBS · WSFS. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| UMBF Current stock | 59/100 | 56/100 | 58/100 | 60/100 | 0.65 | 24.34% | Current |
| VLY Valley National Bancorp | 54/100 | 54/100 | 49/100 | 62/100 | 0.94 | 25.06% | UMBF vs VLY |
| WAFD Washington Federal | 50/100 | 64/100 | 29/100 | 57/100 | -0.16 | 23.72% | UMBF vs WAFD |
| WBS Webster Financial | 58/100 | 49/100 | — | 69/100 | 1.18 | 23.38% | UMBF vs WBS |
| WSFS WSFS Financial | 58/100 | 49/100 | 50/100 | 64/100 | 1.7 | 21.49% | UMBF vs WSFS |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 21, 2026.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts3 recent quarterly periods are available for review.
Checked Oct 21, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Jun 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching UMBF
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for UMBF
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
UMBF Stock FAQ
What is UMBF stock price today?
UMB Financial Corporation's current stock price is $132.91. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is UMBF bullish or bearish right now?
UMBF's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is UMBF's market cap?
UMBF's market cap is $10.48B based on the latest completed market-close snapshot from Oct 21, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is UMBF's current P/E ratio?
UMBF's current P/E ratio is 11.42 based on the latest completed market-close snapshot from Oct 21, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is UMBF's RSI?
UMBF's 14-day RSI is 58.34 based on the latest completed market-close snapshot from Oct 21, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is UMBF above its 50-day and 200-day moving averages?
UMBF is -3.54% from its 50-day SMA and 1.61% from its 200-day SMA based on the latest completed market-close snapshot from Oct 21, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is UMBF's next earnings date?
UMBF's next earnings date is currently listed as Oct 27, 2026. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does UMBF pay a dividend?
UMBF's dividend yield is 1.23% based on the latest completed market-close snapshot from Oct 21, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.