UMB Financial Corporation Common Stock (UMBF)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at UMB Financial as a steady regional bank, not a spectacular growth stock, and the numbers mostly support that. At the 2026-10-13 close of $130.13, FairStock's calculations put it at 10.83 times earnings and 1.28 times book, with a 12.31% return on equity. That is a fair-to-reasonable price for a bank earning modest returns, not a bargain-bin multiple. The earnings record is the attractive part: filed net income was $350.0M in FY2023, $441.2M in FY2024 and $702.4M in FY2025, while diluted EPS rose from $7.18 to $8.99 to $9.29. The FY2025 net income jump did not flow through proportionally to per-share earnings, which tells me share count or adjustments matter. More recently, fiscal Q2 2026 net income was $277.6M and diluted EPS $3.56, up from $217.4M and $2.82 in fiscal Q2 2025. FairStock classifies it as a Lynch STALWART because profits compounded about 19.6% a year over five years, and the Piotroski F-score is 6/9. The PEG of 0.39 and beta of 0.83 suggest the market is not paying much for that growth. My reservation is bank-specific: the data does not provide CET1, net interest margin, nonperforming assets, or credit-loss reserves, and D/E is N/A. Without those, I cannot judge leverage or underwriting risk. I would want evidence that returns and credit quality are durable before calling it a true value opportunity.

In plain English: UMB Financial is a regional bank holding company that serves commercial, institutional and personal customers. It has been consistently profitable and recent quarterly profits were higher than a year earlier, while the stock looks reasonably priced compared with its earnings and accounting value. The main unknown is bank-specific risk, because credit quality and capital strength are not fully visible in the figures provided.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer