Insider buying last 90 days
$135Kin 2 open-market purchases
| Filed | Insider | Type | Value |
|---|---|---|---|
| Sep 3 | Peterman Tamara director | Purchase | $55K |
| Sep 3 | GRAVES GREG M director | Purchase | $80K |
From Form 4 filings, dated to when each was filed.
NASDAQ: UMBF
UMB Financial (UMBF) Stock Analysis & Forecast
Sep 28 close
$133.42−2.40 (−1.8%)
Gekko Brief
AI summaryUMBF shares have been under pressure this week, with commentary framing the stock as down 7.3% over four weeks and now in oversold territory, even as it remains up 14.7% over the past year. The discussion centers on whether balance sheet growth and resilient net interest income can offset concerns over costs and commercial risk, with some coverage questioning whether the stock is undervalued at current levels and whether a trend reversal could follow.
UMBF closed at $133.42, down 1.8%, sitting between its 50-day average of $142.59 and 200-day average of $129.78. The GekkoIndex reads 67.3, placing the stock in the Accumulation zone, down 6.1 points over the last five sessions. Price sits 13% below Gekko Fair Value of $153.36.
UMBF next reports earnings on 27 October 2026, 28 days out, which falls inside a typical 20-trading-day holding window; the last print saw EPS of $3.57 against a $3.08 estimate and a 5.2% reaction, part of a streak of 8 beats over 8 quarters. Over the last 90 days, insiders made 2 open-market purchases totaling $134,993. Analyst coverage from 13 firms shows 10 buy and 3 hold ratings, with a consensus target of $169.12. Seasonality over 5 years shows the next 20 trading days averaging -3.1%, positive in just 1 of those years.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
UMB Financial price vs fair value
Close $133.42200-day averageGekko Fair Value $153.36
UMB Financial quick facts
- Market cap
- $10.13B
- P/E ratio
- 11.1
- Forward P/E
- 9.6
- EPS, TTM
- $12.14
- Revenue, TTM
- $2.81B
- Profit margin
- 33.5%
- Dividend yield
- 1.26%
- Beta
- 0.78
- Volume
- 588,807 avg 671,395
- 1-year return
- +12.3%
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.3%
- 50-day average
- $142.59
- 200-day average
- $129.78
- Next earnings
- Oct 27
- Shares outstanding
- 75.95M
UMB Financial swing-trade checklist
UMB Financial scores 3 supportive, 1 mixed and 2 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed2 headwinds
- Trendmixed
Averages disagree
Close $133.42 sits between the 50-day ($142.59) and 200-day ($129.78) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
67.3, Accumulation
Reading 67.3 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
13.0% below
Price is 13% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 90 days: 2 open-market insider purchases.
See smart money - Earnings riskheadwind
Reports in 28 days
Reports on Oct 27, 2026, 28 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−3.1% on average
From this point in the calendar, the next 20 trading days averaged −3.1% over 5 years, rising in 1 of them.
See seasonality
A description of current data, not a recommendation. How this page works
UMB Financial stock chart and price history
UMB Financial closed at $133.42 on Sep 28, 2026, +12.3% over the past year, inside a 52-week range of $103.38 to $153.32.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −7.7%
- 3 months
- −6.0%
- 6 months
- +22.4%
- 1 year
- +12.3%
The full UMBF chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open UMBF in Gekko
Follow UMB Financial through every session
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About UMB Financial
UMB Financial operates as the parent company of UMB Bank, offering a wide mix of banking and financial services. It works with businesses through commercial loans, credit cards, real estate financing, and support such as letters of credit and loan syndication, alongside specialized offerings like asset-based lending and mezzanine debt. Individual customers can access deposit accounts, retail credit cards, mortgages, home equity lines, small business loans, and tools like internet banking and a wide ATM network, along with brokerage, insurance, advisory, and trust services.
Beyond retail and commercial banking, UMB Financial serves institutional clients through fund administration, investor and transfer agency services, custody, and alternative investment support, as well as fixed-income sales, trading, and underwriting. It also provides healthcare-related payment solutions, including health savings account custody and private-label debit cards, reaching insurance carriers, third-party administrators, employers, and other financial institutions. Its branches and offices extend across seventeen states, from Missouri and Kansas to California and Wisconsin.
Founded in 1913, UMB Financial is headquartered in Kansas City, Missouri. Its shares trade on the NASDAQ under the ticker UMBF.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Major banks
- Website
- umb.com
UMB Financial GekkoIndex: the smart money zone
UMB Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 67.3, in the Accumulation zone, down 6.1 points over five sessions.
67.3Accumulation
Down 6.1 points over five sessions, from the Buying zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 23 | +1.2% | +4.8% | ||
| Accumulation (current zone) | 171 | −0.1% | +1.9% | ||
| Neutral | 426 | +0.8% | +2.2% | ||
| Distribution | 46 | −1.1% | −1.3% | ||
| Selling | 6 | Too few readings yet | |||
Average UMBF share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the UMBF price, zone by zone.Track UMBF in Gekko
Is UMB Financial stock overvalued? Gekko Fair Value
UMB Financial trades 13.0% below Gekko Fair Value of $153.36, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what UMB Financial shares are worth, recalculated every trading day.
$153.36
Gekko Fair Value, Sep 26, 2026
13.0% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open UMBF in Gekko
UMB Financial insider and Congress trading
Insiders filed 2 open-market purchases in UMB Financial worth $135K, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in UMBF were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for UMBF, plotted on the chart in Gekko.Open UMBF in Gekko
Buybacks
UMB Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $32.81M
- As a share of market cap
- 0.32%
- Trailing four quarters
- $67.01M
From company filings.
UMB Financial earnings: next date and track record
UMB Financial reports on Oct 27, 2026 (28 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Oct 27, 2026
28 days away
- EPS estimate
- $3.21
- Revenue estimate
- $741.6M
8 of 8reports beat the EPS estimate
±2.3%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 28, 2026 AI summary
- What they said
- UMBF reported Q2 2026 net income of $271.8M ($3.56 EPS) with operating ROTCE of 20.3% and efficiency ratio of 48.1%. Loan balances grew 12.6% linked-quarter annualized with record $2.6B gross production and net charge-offs of just 16 basis points. Fee income rose 19.6% year-over-year, Fund Services AUA reached $622B, and off-balance sheet deposits grew to $23.7B. CET1 ratio improved 29 basis points to 11.45%, and the dividend was raised 16.3%.
- Guidance
- Management expects positive operating leverage for full year 2026 despite lower contractual accretion. Deposits expected to trough in Q3 seasonally, with improved pipeline in H2. Balance sheet flexibility maintained via $1.5B excess cash and $24B off-balance sheet deposits.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 28, 2026 | $3.57 est $3.08 | $778.0M est $727.6M | +5.2% |
| Apr 28, 2026 | $3.41 est $2.82 | $739.2M est $701.8M | 0.0% |
| Jan 27, 2026 | $2.74 est $2.47 | $720.9M est $677.8M | +1.8% |
| Oct 28, 2025 | $2.70 est $2.50 | $1.09B est $661.6M | −3.3% |
| Jul 29, 2025 | $2.96 est $2.37 | $633.2M est $652.0M | +1.7% |
| Apr 29, 2025 | $2.58 est $2.19 | $510.2M est $559.0M | −1.4% |
| Jan 28, 2025 | $2.49 est $2.26 | $394.2M est $412.3M | +1.2% |
| Oct 29, 2024 | $2.25 est $2.20 | $363.9M est $398.9M | +3.8% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
UMB Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for UMB Financial is $169.12, +26.8% from the last close, from 13 firms rating the stock in the last 90 days.
$169.12consensus 12-month target, +26.8% from the last close
Now $133.42Avg $169.12
Low $155High $182
Each firm’s latest rating in the last 90 days: 13 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 28 | Morgan Stanley | $182 | +36.4% |
| Sep 14 | UBS | $155 | +16.2% |
| Sep 8 | Morgan Stanley | $190 | +42.4% |
| Aug 27 | Raymond James | $165 | +23.7% |
| Aug 20 | J.P. Morgan | $180 | +34.9% |
+1.9%average 20-day move after past Accumulation readings
−3.1%average move over the next 20 trading days in the last 5 years
±2.1%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
UMB Financial seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, UMB Financial averaged −3.1% across the last 5 years, rising in 1 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.3% | 3 of 5 |
| Next 10 trading days | +1.8% | 3 of 5 |
| Next 15 trading days | +0.7% | 3 of 5 |
| Next 20 trading days | −3.1% | 1 of 5 |
| Next 30 trading days | +5.0% | 4 of 5 |
For scale, UMBF’s typical 20-trading-day move in either direction is about 5.3%.
UMB Financial market cap and key statistics
UMB Financial’s market cap is $10.13B, with a P/E ratio of 11.1 and revenue of $2.81B over the last twelve months.
Valuation
- Market cap
- $10.13B
- P/E ratio
- 11.1
- Forward P/E
- 9.6
- EPS, TTM
- $12.14
- Gekko Fair Value
- $153.36
Trading
- Volume
- 588,807
- Avg volume, 20 days
- 671,395
- 52-week high
- $153.32
- 52-week low
- $103.38
- Shares outstanding
- 75.95M
Financials
- Revenue, TTM
- $2.81B
- Profit margin
- 33.5%
- Return on equity
- 12.3%
- Quarterly earnings growth, YoY
- +26.2%
Risk and income
- Beta
- 0.78
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.3%
- Dividend yield
- 1.26%
UMB Financial stock news this week
5 headlines about UMB Financial from the past week, newest first, each linking to the publisher.
- UMBF Stock Gains 14.7% in a Year: Is It Worth Buying Now?Zacks Investment Research, Sep 28
- UMB Financial Corporation (UMBF) stock price, news, quote and historyYahoo Finance Australia, Sep 24
- Nykredit A S Makes New Investment in UMB Financial Corporation $UMBFDefense World, Sep 24
- Are Investors Undervaluing UMB Financial (UMBF) Right Now?Zacks Investment Research, Sep 22
- UMB (UMBF) Loses 7.3% in 4 Weeks, Here's Why a Trend Reversal May be Around the CornerZacks Investment Research, Sep 22
UMB Financial peers
UMB Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 6.9% below |
| BACBank of America | Buying | 13.8% below |
| RYRoyal Bank Of Canada | Accumulation | 3.6% below |
| WFCWells Fargo | Accumulation | 12.4% below |
| CCitigroup | Neutral | 7.8% below |
| TDToronto Dominion Bank | Accumulation | 0.8% above |
A peer links to its own page where one exists.
UMB Financial stock FAQ
What is UMB Financial’s market cap?
UMB Financial’s market cap is $10.13B at the Sep 28, 2026 close of $133.42, with 75.95M shares outstanding. The shares trade on a P/E ratio of 11.1.
What is the UMB Financial stock forecast?
The consensus analyst 12-month price target for UMB Financial is $169.12, +26.8% from the last close. Of the 13 firms that rated the stock in the last 90 days, 10 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is UMB Financial stock overvalued or undervalued?
On Gekko’s estimate UMB Financial is undervalued: the Sep 28, 2026 close of $133.42 is 13.0% below Gekko Fair Value of $153.36. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does UMB Financial report earnings next?
UMB Financial is expected to report on Oct 27, 2026 (28 days away). Analysts expect earnings of $3.21 per share on revenue of $741.6M. UMB Financial beat the earnings estimate in 8 of its last 8 reports, moving 2.3% on average across the report.
What is UMB Financial’s 52-week high and low?
UMB Financial’s 52-week high is $153.32 and its 52-week low is $103.38; it closed at $133.42 on Sep 28, 2026, +12.3% over the past year.
Is UMB Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 6 items with data read as supportive (gekkoindex, fair value and smart money), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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