UMB Financial (NASDAQ:UMBF) Sets New 52-Week High on Better-Than-Expected Earnings

UMB Financial Corporation (NASDAQ:UMBF)’s share price hit a new 52-week high during trading on Wednesday following a better than expected earnings announcement. The stock traded as high as $129.98 and last traded at $124.8690, with a volume of 400028 shares. The stock had previously closed at $124.86.

The bank reported $3.08 EPS for the quarter, beating the consensus estimate of $2.71 by $0.37. The company had revenue of $469.80 million during the quarter, compared to analysts’ expectations of $677.30 million. UMB Financial had a return on equity of 12.36% and a net margin of 16.90%.The business’s revenue was up 66.0% on a year-over-year basis. During the same period in the prior year, the business posted $2.49 EPS.

UMB Financial Announces Dividend

The business also recently disclosed a quarterly dividend, which will be paid on Wednesday, April 1st. Shareholders of record on Tuesday, March 10th will be issued a dividend of $0.43 per share. This represents a $1.72 annualized dividend and a yield of 1.4%. The ex-dividend date of this dividend is Tuesday, March 10th. UMB Financial’s dividend payout ratio (DPR) is currently 19.48%.

UMB Financial News Summary

Here are the key news stories impacting UMB Financial this week:

• Positive Sentiment: Q4 EPS beat and NII strength — UMBF reported $3.08 EPS (vs. ~$2.71 consensus) with net interest income the primary driver; the beat prompted an intraday rally. UMB Financial Q4 Earnings Beat on Y/Y Rise in NII, Stock Rallies
• Positive Sentiment: Dividend confirmed — Board declared a $0.43 quarterly common dividend (payable April 1, record March 10), supporting income-oriented investor interest. UMB Financial Corporation Declares Common and Preferred Dividends
• Positive Sentiment: Value-stock recognition — Zacks highlights UMBF as a top-ranked value/style pick, which could attract valuation-focused buyers. UMB Financial (UMBF) is a Top-Ranked Value Stock: Should You Buy?
• Neutral Sentiment: Earnings call transcript & slides available — Management commentary and the slide deck can clarify sustainability of NII gains and drivers of revenue; useful for near-term guidance assessment. UMB Financial Corporation (UMBF) Q4 2025 Earnings Call Transcript
• Neutral Sentiment: Earnings presentation posted — Slide deck with segment detail may show one-time items or reserve changes; worth reviewing for modeling. UMB Financial Corporation 2025 Q4 – Results – Earnings Call Presentation
• Negative Sentiment: Revenue vs. some estimates — Reported revenue was $469.8M (up 66% Y/Y) but compared unfavorably to a cited consensus figure in some reports (~$677M), raising questions about non-interest income mix or one-offs. UMB (UMBF) Reports Q4 Earnings: What Key Metrics Have to Say
• Negative Sentiment: Profitability and return metrics moderate — Net margin (~16%) and ROE (~12.2%) are solid but not exceptional; reliance on NII gains could leave results sensitive to loan/deposit trends and rates. UMB Financial Q4 Earnings / Materials

Wall Street Analysts Forecast Growth

A number of research firms recently commented on UMBF. Raymond James Financial reiterated a “strong-buy” rating and issued a $135.00 price target (down from $138.00) on shares of UMB Financial in a research note on Thursday, October 30th. Weiss Ratings lowered UMB Financial from a “buy (b-)” rating to a “hold (c+)” rating in a research report on Monday, January 12th. Hovde Group initiated coverage on UMB Financial in a research note on Monday, October 6th. They set an “outperform” rating on the stock. Royal Bank Of Canada set a $134.00 target price on shares of UMB Financial and gave the company an “outperform” rating in a research note on Monday, January 12th. Finally, TD Cowen reissued a “buy” rating on shares of UMB Financial in a report on Wednesday, January 7th. One analyst has rated the stock with a Strong Buy rating, eight have issued a Buy rating and three have issued a Hold rating to the stock. According to MarketBeat.com, UMB Financial has a consensus rating of “Moderate Buy” and an average target price of $137.10.

Insider Buying and Selling

In related news, Director Kevin Charles Gallagher sold 460 shares of the stock in a transaction dated Monday, November 10th. The shares were sold at an average price of $110.71, for a total value of $50,926.60. Following the sale, the director owned 12,090 shares of the company’s stock, valued at $1,338,483.90. This trade represents a 3.67% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website. Also, CEO J Mariner Kemper sold 15,367 shares of the business’s stock in a transaction dated Monday, December 8th. The shares were sold at an average price of $114.58, for a total transaction of $1,760,750.86. Following the transaction, the chief executive officer directly owned 1,521,414 shares of the company’s stock, valued at $174,323,616.12. The trade was a 1.00% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold 17,127 shares of company stock valued at $1,949,594 over the last three months. Corporate insiders own 5.45% of the company’s stock.

Institutional Investors Weigh In On UMB Financial

A number of hedge funds have recently made changes to their positions in UMBF. B. Metzler seel. Sohn & Co. AG grew its holdings in UMB Financial by 40.8% in the 4th quarter. B. Metzler seel. Sohn & Co. AG now owns 38,261 shares of the bank’s stock worth $4,402,000 after buying an additional 11,083 shares in the last quarter. M&T Bank Corp boosted its position in UMB Financial by 153.2% during the 4th quarter. M&T Bank Corp now owns 12,172 shares of the bank’s stock worth $1,400,000 after acquiring an additional 7,364 shares during the period. Meritage Portfolio Management grew its stake in shares of UMB Financial by 5.0% in the fourth quarter. Meritage Portfolio Management now owns 10,410 shares of the bank’s stock worth $1,198,000 after purchasing an additional 500 shares in the last quarter. Zurcher Kantonalbank Zurich Cantonalbank increased its holdings in shares of UMB Financial by 14.2% during the fourth quarter. Zurcher Kantonalbank Zurich Cantonalbank now owns 23,919 shares of the bank’s stock valued at $2,752,000 after purchasing an additional 2,981 shares during the period. Finally, Elevated Capital Advisors LLC bought a new stake in shares of UMB Financial during the fourth quarter valued at about $192,000. Institutional investors own 87.78% of the company’s stock.

UMB Financial Trading Down 0.2%

The business’s 50 day moving average is $117.90 and its two-hundred day moving average is $115.54. The firm has a market capitalization of $9.47 billion, a P/E ratio of 14.12, a PEG ratio of 1.01 and a beta of 0.78. The company has a quick ratio of 0.75, a current ratio of 0.75 and a debt-to-equity ratio of 0.07.

About UMB Financial

UMB Financial Corporation (NASDAQ: UMBF) is a diversified financial services holding company headquartered in Kansas City, Missouri. Through its principal banking subsidiary, UMB Bank, N.A., the company provides a full suite of commercial and consumer banking services. Key offerings include deposit accounts, commercial and consumer lending, treasury and cash management, as well as online and mobile banking solutions designed to serve businesses, individuals and municipalities.

In addition to its core banking operations, UMB Financial delivers wealth management and trust services, investment advisory, asset management and retirement planning to high-net-worth individuals, families and institutions.