UMB Financial (NASDAQ:UMBF) Reaches New 1-Year High Following Strong Earnings

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

The bank reported $3.08 earnings per share for the quarter, beating analysts’ consensus estimates of $2.71 by $0.37. The company had revenue of $469.80 million for the quarter, compared to the consensus estimate of $677.30 million. UMB Financial had a net margin of 16.90% and a return on equity of 12.14%. The firm’s quarterly revenue was up 66.0% compared to the same quarter last year. During the same period last year, the company posted $2.49 EPS.

UMB Financial Announces Dividend

The company also recently declared a quarterly dividend, which will be paid on Wednesday, April 1st. Stockholders 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 dividend yield of 1.4%. The ex-dividend date is Tuesday, March 10th. UMB Financial’s payout ratio is 18.84%.

Trending Headlines about UMB Financial

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

• Positive Sentiment: Q4 beat and record earnings: UMBF reported stronger-than-expected EPS driven by a sharp year-over-year rise in net interest income and steady fee income, which investors viewed as validation of the bank’s revenue mix and margin recovery. UMB Financial Corp (UMBF) Q4 2025 Earnings Call Highlights: Record Earnings and Strategic Growth
• Positive Sentiment: Heartland integration cited as a growth driver: Management and analysts pointed to the Heartland acquisition integration and ongoing organic growth as key drivers of the quarter’s results and forward revenue momentum. UMBF Q4 deep dive: Heartland integration and organic growth drive results
• Positive Sentiment: Analyst upgrade and higher target: Keefe, Bruyette & Woods raised its price target to $141 and kept an outperform rating, giving formal upside to the shares and supporting the rally. Benzinga note on KBW price target raise
• Positive Sentiment: Dividend affirmed: UMB declared a quarterly dividend ($0.43 per share), maintaining shareholder returns and attracting income-focused investors. (Ex-dividend date March 10.)
• Neutral Sentiment: Investor materials available: The company posted its Q4 earnings presentation and the full earnings call transcript, providing detail for analysts to refine models (earnings slide deck and call details). Earnings call presentation Earnings call transcript
• Neutral Sentiment: Market positioning: Commentary and screeners (Zacks/MSN) note UMBF is a top-ranked value stock with improved relative strength, but it still lags broader banking benchmarks — a mixed technical picture for traders. Zacks value score Relative strength note
• Negative Sentiment: Revenue/detail questions for some models: While EPS beat, some coverage notes highlighted areas (timing or line-item comparisons) that may require modeling adjustments — this introduced caution among some analysts and could limit immediate multiple expansion. Zacks: What key metrics have to say

Analysts Set New Price Targets

UMBF has been the topic of a number of research reports. Barclays reissued an “overweight” rating and set a $160.00 target price on shares of UMB Financial in a report on Thursday. TD Cowen reissued a “buy” rating on shares of UMB Financial in a research note on Thursday. Raymond James Financial restated a “strong-buy” rating and issued a $145.00 price objective on shares of UMB Financial in a report on Thursday. Piper Sandler lifted their target price on UMB Financial from $145.00 to $152.00 and gave the stock an “overweight” rating in a report on Thursday. Finally, Weiss Ratings cut UMB Financial from a “buy (b-)” rating to a “hold (c+)” rating in a research note on Monday, January 12th. One research analyst has rated the stock with a Strong Buy rating, nine have given a Buy rating and three have given a Hold rating to the stock. According to data from MarketBeat.com, UMB Financial presently has a consensus rating of “Moderate Buy” and a consensus price target of $139.45.

Insider Activity at UMB Financial

In other news, CEO J Mariner Kemper sold 15,367 shares of the company’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 owned 1,521,414 shares in the company, valued at approximately $174,323,616.12. This represents a 1.00% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. Also, Director Kevin Charles Gallagher sold 460 shares of the stock in a transaction dated Monday, November 10th. The stock was sold at an average price of $110.71, for a total transaction of $50,926.60. Following the transaction, the director directly owned 12,090 shares in the company, valued at $1,338,483.90. This trade represents a 3.67% decrease in their position. The SEC filing for this sale provides additional information. In the last ninety days, insiders sold 17,127 shares of company stock valued at $1,949,594. 5.45% of the stock is currently owned by company insiders.

Institutional Inflows and Outflows

Several institutional investors have recently bought and sold shares of the business. Truist Financial Corp grew its holdings in shares of UMB Financial by 0.5% during the second quarter. Truist Financial Corp now owns 20,426 shares of the bank’s stock valued at $2,148,000 after buying an additional 97 shares during the last quarter. OLD National Bancorp IN lifted its position in UMB Financial by 0.4% in the 2nd quarter. OLD National Bancorp IN now owns 22,834 shares of the bank’s stock valued at $2,401,000 after acquiring an additional 100 shares in the last quarter. Sequoia Financial Advisors LLC boosted its stake in UMB Financial by 3.1% during the 3rd quarter. Sequoia Financial Advisors LLC now owns 3,407 shares of the bank’s stock valued at $403,000 after purchasing an additional 101 shares during the last quarter. Concurrent Investment Advisors LLC increased its holdings in UMB Financial by 1.8% during the 4th quarter. Concurrent Investment Advisors LLC now owns 6,424 shares of the bank’s stock worth $739,000 after purchasing an additional 112 shares in the last quarter. Finally, Quadrant Capital Group LLC raised its stake in shares of UMB Financial by 0.8% in the third quarter. Quadrant Capital Group LLC now owns 16,560 shares of the bank’s stock worth $1,960,000 after purchasing an additional 129 shares during the last quarter. Institutional investors and hedge funds own 87.78% of the company’s stock.

UMB Financial Price Performance

The business has a 50-day moving average of $118.35 and a 200 day moving average of $115.64. The firm has a market capitalization of $9.67 billion, a PE ratio of 13.94, a price-to-earnings-growth ratio of 1.01 and a beta of 0.78. The company has a current ratio of 0.75, a quick ratio of 0.75 and a debt-to-equity ratio of 0.06.

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.