What Analysts Are Saying About UMB Financial Stock
Throughout the last three months, 4 analysts have evaluated UMB Financial (NASDAQ:UMBF), offering a diverse set of opinions from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 1 | 3 | 0 | 0 | 0 |
| Last 30D | 0 | 2 | 0 | 0 | 0 |
| 1M Ago | 1 | 0 | 0 | 0 | 0 |
| 2M Ago | 0 | 0 | 0 | 0 | 0 |
| 3M Ago | 0 | 1 | 0 | 0 | 0 |
The 12-month price targets, analyzed by analysts, offer insights with an average target of $140.75, a high estimate of $152.00, and a low estimate of $128.00. This current average has increased by 1.44% from the previous average price target of $138.75.
Investigating Analyst Ratings: An Elaborate Study
The standing of UMB Financial among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Nathan Race | Piper Sandler | Raises | Overweight | $152.00 | $145.00 |
| Christopher Mcgratty | Keefe, Bruyette & Woods | Raises | Outperform | $141.00 | $133.00 |
| Janet Lee | TD Cowen | Lowers | Buy | $142.00 | $149.00 |
| Jon G. Arfstrom | RBC Capital | Maintains | Outperform | $128.00 | $128.00 |
Key Insights:
- Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to UMB Financial. This information provides a snapshot of how analysts perceive the current state of the company.
- Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of UMB Financial compared to the broader market.
- Price Targets: Analysts provide insights into price targets, offering estimates for the future value of UMB Financial's stock. This comparison reveals trends in analysts' expectations over time.
To gain a panoramic view of UMB Financial's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
Stay up to date on UMB Financial analyst ratings.
Delving into UMB Financial's Background
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
UMB Financial's Economic Impact: An Analysis
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
Positive Revenue Trend: Examining UMB Financial's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 6.98% as of 31 December, 2025, showcasing a substantial increase in top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Net Margin: UMB Financial's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 31.51%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): UMB Financial's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 2.88% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): UMB Financial's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.29%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.06.
Understanding the Relevance of Analyst Ratings
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
This article was generated by Benzinga's automated content engine and reviewed by an editor.