The Bid & Ask

Quotations, Dispatches, and the Daily Tape

Thursday, August 13, 2026

Subject of the day

UMBF

Concerning the House

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, 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 banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, 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, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

United States · www.umb.com

The Long Run

FY 2010–2025 · 16 years

LineLatestCAGRTrend
Net income$702.40M+14.7%
Cash from ops$1.03B+17.6%
Quotation

$150.88

+1.43 (+1.0%)

52w hi$150.88
52w lo$102.87
Vol468.78K
As ofAug 13
The Verdict

Hold

Our score +0.42

Short+0.25
Medium+0.50
Long+0.60

computed 2026-08-13

By the Numbers

UMB Financial Corporation

Financial Services · Banks - Regional

Market cap$11.46B
Enterprise value$13.25B
Trailing P/E12.54x
Forward P/E10.82x
EV / EBITDA
P / S (ttm)4.07x
Profit margin33.5%
Return on equity12.3%
Revenue growth+12.2%
Earnings growth+26.2%
Debt / equity
Risk Metrics
Beta vs SPX1.08
Corr SPX0.57
Annual vol30.5%
Annual ret+28.0%
Sharpe0.92
Max DD-32.3%

Window: 504 trading days (504 obs)

Layer Breakdown
LayerRawContribution
Fundamental+0.37
Sector+0.09
Technical+0.23
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-08-13

Recent Sessions
DateOpenHighLowCloseVol
Aug 13$150.00$151.32$149.62$150.88468.78K
Aug 12$147.71$149.68$147.27$149.45473.40K
Aug 11$147.00$149.11$146.67$147.54761.10K
Aug 10$144.76$146.89$144.22$146.11604.40K
Aug 7$144.39$146.66$143.80$145.60408.90K