UMB Financial Corporation
UMBFFinancial ServicesNASDAQBanks - Regional
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Daily timeframeUMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The $10.29B market capitalization puts UMBF squarely in large-cap range for its industry. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking.
Market Cap
$10.29B
Beta
0.83
P/E (TTM)
11.27
P/E (Fwd)
9.72
EPS (TTM)
$12.02
EPS (Fwd)
$13.93
ROE
12.3%
ROA
1.3%
Cash
$2.11B
Total Debt
$3.71B
Free CF
—
52W Change
20.5%
Annual Financials
Cash vs Debt
Where UMBF stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, UMBF finished 2.40% below its 150-day moving average ($132.84) and 0.22% below its 200-day moving average ($129.94). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UMBF overbought or oversold?
At the October 20, 2026 close, UMBF's RSI(14) was 43.6, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
UMB Financial Corporation carries $3.71B in total debt against $2.11B in cash reserves — debt is roughly 1.8x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 12.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $1.36B (2022) to $2.43B (2025), reflecting a 79% increase over the period.
As with any equity investment, UMBF carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for UMB Financial Corporation and its sector.