US · UMBF
UMB Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Kansas City, MO 64106
- Website
- umb.com
Price · as of 2025-12-31
$129.24
Market cap 8.8B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $98.22 | -24% |
| Intrinsic Value(DCF) | $14,183.59 | +10,874.61% |
| Graham-Dodd Method(GD) | $123.36 | -4.55% |
| Graham Formula(GF) | $682.29 | +427.92% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $34.04 | $42.48 | $99.52 | $25.86 | $40.45 |
| 2012 | $37.09 | $38.49 | $179.96 | $29.38 | $40.17 |
| 2013 | $52.05 | $35.69 | $202.15 | $34.49 | $59.92 |
| 2014 | $43.13 | $36.27 | $183.56 | $31.59 | $15.18 |
| 2015 | $44.22 | $32.36 | $151.94 | $33.02 | $7.30 |
| 2016 | $65.65 | $45.00 | $139.86 | $37.68 | $78.08 |
| 2017 | $66.96 | $40.74 | $149.00 | $49.94 | $101.32 |
| 2018 | $57.87 | $35.93 | $161.73 | $43.60 | $67.09 |
| 2019 | $51.83 | $36.46 | $186.75 | $56.42 | $107.48 |
| 2020 | $89.04 | $51.48 | $215.34 | $69.89 | $83.69 |
| 2021 | $92.58 | $63.06 | $310.33 | $77.37 | $30.08 |
| 2022 | $73.12 | $63.32 | $304.63 | $73.18 | $306.65 |
| 2023 | $80.32 | $53.54 | $1,100.66 | $72.77 | $347.20 |
| 2024 | $101.56 | $68.14 | $3,970.61 | $88.38 | $224.24 |
| 2025 | $117.65 | $98.22 | $13,184.94 | $123.36 | $682.29 |
AI valuation
Our deep-learning model estimates UMB Financial Corporation's (UMBF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $98.22
- Current price
- $129.24
- AI upside
- -24%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$14,183.59
+10,874.61% upside
Graham-Dodd
$123.36
-4.55% upside
Graham Formula
$682.29
+427.92% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UMBF | UMB Financial Corporation | $129.24 | 8.8B | -24% | +10,875% | -5% | +428% | 12.72 | 1.16 | 2.01 | 11.11 | 816.59 | 1.66 | 54.41% | 20.25% | 15.81% | 12.59% | 216.32% | 1.14% | 0.49 | 0.60 | 0.01 | 0.01 | 2.69 | 156.00% | 6852.00% | -1165.00% | 1.99% | 0.00 | 53.19% | 0.00% | 0.00% | 0.00% | 13.09 | 66.30 | 2.65 | -0.80 |
| BOKF | BOK Financial Corporation | $125.72 | 7.95B | -22% | -8% | -28% | -46% | 13.54 | 1.32 | 2.35 | 6.82 | 106.00 | 1.62 | 63.74% | 21.39% | 17.38% | 10.08% | -147.87% | 1.13% | 0.78 | 0.59 | 0.17 | 0.16 | 3.75 | 1278.00% | -107.00% | -5976.00% | 7.35% | 0.01 | -147.27% | 1.88% | 25.50% | 7.72% | 7.61 | 9.40 | 1.63 | -0.65 |
| BPOP | Popular, Inc. | $135.36 | 9.03B | -48% | +66% | -47% | +21% | 10.59 | 1.16 | 1.55 | -20.08 | 76.56 | 1.39 | 60.67% | 19.01% | 14.66% | 11.42% | -3.43% | 0.85% | 0.23 | 0.57 | 0.38 | 0.38 | -6.41 | 1383.00% | 1148.00% | -361.00% | 7.09% | 0.01 | -2.58% | 2.77% | 29.40% | 6.06% | -21.59 | -37.29 | -4.11 | -0.43 |
| CBSH | Commerce Bancshares, Inc. | $50.99 | 7.51B | -38% | +5% | -40% | -18% | 12.59 | 1.90 | 3.36 | 0.38 | 232.07 | 1.98 | 80.00% | 34.20% | 26.46% | 16.07% | -12.17% | 1.76% | 0.79 | 1.97 | — | — | 2.86 | 543.00% | 223.00% | 1141.00% | 8.24% | — | -12.63% | 2.09% | 26.30% | 4.98% | 0.40 | 0.49 | 0.14 | 0.65 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| CFR | Cullen/Frost Bankers, Inc… | $138.22 | 8.74B | -43% | +51% | -56% | -24% | 13.85 | 1.96 | 3.08 | 4.38 | 116.98 | 1.96 | 75.04% | 26.43% | 22.21% | 15.31% | -7.45% | 1.23% | 1.04 | 1.13 | 0.21 | 0.21 | -4.77 | 1184.00% | 246.00% | -8522.00% | 1.42% | 0.01 | -1.46% | 2.92% | 40.40% | 4.68% | 4.88 | 29.57 | 1.29 | -0.52 |
| ONB | Old National Bancorp | $23.10 | 9.03B | +172% | +188% | -38% | +142% | 13.65 | 1.08 | 2.46 | 15.09 | 208.45 | 1.63 | 63.60% | 23.56% | 18.04% | 9.02% | 8.09% | 1.06% | 0.88 | 0.72 | 0.89 | 0.88 | 7.01 | 655.00% | 2548.00% | 767.00% | 6.98% | 0.01 | 7.42% | 2.46% | 33.60% | 3.25% | 16.88 | 23.16 | 3.98 | 0.07 |
| SSB | SouthState Corporation | $98.67 | 9.92B | -53% | +1,533% | -34% | +407% | 12.50 | 1.10 | 2.66 | 3.76 | 97.89 | 1.79 | 68.35% | 27.86% | 21.26% | 10.68% | 17.17% | 1.41% | 0.15 | 0.97 | 0.22 | 0.22 | 0.62 | 1277.00% | 5701.00% | -21383.00% | -5.43% | -0.01 | -11.58% | 2.32% | 29.00% | 4.68% | 4.20 | -8.12 | 1.17 | -0.18 |
| WAL | Western Alliance Bancorpo… | $80.32 | 8.84B | -40% | +57% | +4% | +45% | 9.07 | 1.16 | 1.68 | -7.07 | 39.23 | 1.27 | 61.10% | 22.88% | 18.37% | 13.60% | -40.11% | 1.12% | 0.87 | 0.66 | 0.56 | 0.56 | 2.52 | 2313.00% | 517.00% | -115.00% | -31.52% | -0.06 | 113.09% | 2.09% | 18.90% | 2.86% | -7.07 | 3.06 | -1.62 | 0.00 |
| WTFC | Wintrust Financial Corpor… | $144.06 | 9.65B | -37% | +5% | -17% | +23% | 11.92 | 1.35 | 2.32 | 6.30 | 98.35 | 1.54 | 62.19% | 26.44% | 19.48% | 12.11% | 24.04% | 1.21% | 0.62 | 0.74 | 0.14 | 0.14 | 3.33 | 1212.00% | 666.00% | 3421.00% | 8.68% | 0.02 | 24.88% | 1.72% | 20.60% | 5.92% | 6.80 | 8.91 | 1.80 | -0.41 |
| ZION | Zions Bancorporation, Nat… | $57.28 | 8.46B | -30% | -15% | -22% | -23% | 9.51 | 1.19 | 1.73 | -4.36 | 44.43 | 1.40 | 67.05% | 23.77% | 18.18% | 13.51% | -19.67% | 1.01% | 0.64 | 0.75 | 6.04 | 6.04 | 3.02 | 2141.00% | -98.00% | -666.00% | 11.47% | 0.36 | -21.47% | 3.12% | 29.70% | 3.60% | -4.79 | -5.74 | -1.14 | 0.49 |
About UMB Financial Corporation
UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
- CEO
- J. Mariner Kemper
- Employees
- 3.7K
- Beta
- 0.78
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($14,183.59 ÷ $129.24) − 1 = +10,874.61% (DCF, example).