UMB Financial Corporation
UMBFFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, UMB Financial Corporation focuses on Banks - Regional services and products. UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The $10.92B 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
$10.92B
Beta
0.78
P/E (TTM)
11.95
P/E (Fwd)
10.32
EPS (TTM)
$12.03
EPS (Fwd)
$13.93
ROE
12.3%
ROA
1.3%
Cash
$2.11B
Total Debt
$3.71B
Free CF
—
52W Change
14.2%
Annual Financials
Cash vs Debt
Where UMBF stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, UMBF finished 8.61% above its 150-day moving average ($130.66) and 11.75% above its 200-day moving average ($126.99). 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 September 3, 2026 close, UMBF's RSI(14) was 29.3, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish 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. ROE of 12.3% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence UMB Financial Corporation's trajectory.