UMB Financial (NASDAQ:UMBF) 주식

UMB Financial

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.

UMB Financial Corp

UMB Financial Corporation - Depositary Shares, each representing a 1/400th of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock

<p><strong>UMB Financial's</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NYSE">UMBF</a>) short percent of float has risen 19.17% since its last report. The company recently reported that it has <strong>1.93 million shares sold short</strong>, which is 3.17% of all regular shares that are available for trading. Based on its trading volume, <strong>it would take traders 3.44 days to cover their short positions on average.</strong></p>
<h3>Why Short Interest Matters</h3>
<p>Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.</p>
<p>Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.</p>
<p><strong>See Also:</strong> <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage"><strong>List of the most shorted stocks</strong></a></p>
<h3>UMB Financial Short Interest Graph (3 Months)</h3>
<p><img src="https://www.benzinga.com/files/images/story/2025/1744642883_0.png" alt="short_fig" /></p>
<p>As you can see from the chart above the percentage of shares that are sold short for UMB Financial has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.</p>
<h3>Comparing UMB Financial's Short Interest Against Its Peers</h3>
<p>Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.</p>
<p>According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, UMB Financial's peer group average for short interest as a percentage of float is 3.76%, which means the company has <strong>less</strong> short interest than most of its peers.</p>
<p>Did you know that increasing short interest can actually be <strong>bullish</strong> for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage"><strong>This post by Benzinga Money explains how you can profit from it.</strong></a></p>
<p><em>This article was generated by Benzinga's automated content engine and was reviewed by an editor.</em></p>


Short Sellers

Short Ideas

Trading Ideas

UMBF

How Do Investors Really Feel About UMB Financial?

WIIM

ABCB

BANR

BPOP

CATY

CUBI

CVBF

FCNCA

FFBC

FFIN

FIBK

FRME

GBCI

HIFS

IBOC

INBK

INDB

MBCN

PNFP

RNST

SBCF

SFBS

SFNC

TBBK

TCBI

TFIN

UBSI

WAFD

WSBC

WSFS

WTFC

Shares of banking companies are trading lower as stocks pull back after surging Wednesday following President Trump's tariff pause announcement.

<p>Ratings for UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) were provided by 6 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.</p>
<p>The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $129.0, a high estimate of $146.00, and a low estimate of $105.00. A 5.03% drop is evident in the current average compared to the previous average price target of $135.83. </p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1744232450_0.png" alt="price target chart" /></p>
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
<p>The perception of UMB Financial by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<p>&#x7C;      Analyst       &#x7C;    Analyst Firm    &#x7C; Action Taken  &#x7C;    Rating     &#x7C;Current Price Target&#x7C; Prior Price Target &#x7C;<br />
&#x7C;--------------------&#x7C;--------------------&#x7C;---------------&#x7C;---------------&#x7C;--------------------&#x7C;--------------------&#x7C;<br />
&#x7C;Timur Braziler      &#x7C;Wells Fargo         &#x7C;Lowers         &#x7C;Equal-Weight   &#x7C;             $105.00&#x7C;$120.00             &#x7C;<br />
&#x7C;Jared Shaw          &#x7C;Barclays            &#x7C;Lowers         &#x7C;Overweight     &#x7C;             $125.00&#x7C;$139.00             &#x7C;<br />
&#x7C;Brian Wilczynski    &#x7C;Morgan Stanley      &#x7C;Lowers         &#x7C;Overweight     &#x7C;             $146.00&#x7C;$156.00             &#x7C;<br />
&#x7C;Benjamin Gerlinger  &#x7C;Citigroup           &#x7C;Lowers         &#x7C;Neutral        &#x7C;             $127.00&#x7C;$130.00             &#x7C;<br />
&#x7C;Jon Arfstrom        &#x7C;RBC Capital         &#x7C;Maintains      &#x7C;Sector Perform &#x7C;             $128.00&#x7C;$128.00             &#x7C;<br />
&#x7C;Nathan Race         &#x7C;Piper Sandler       &#x7C;Raises         &#x7C;Overweight     &#x7C;             $143.00&#x7C;$142.00             &#x7C;</p>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to UMB Financial. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of UMB Financial compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts navigate through adjustments in price targets, providing estimates for UMB Financial's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of UMB Financial's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/UMBF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Stay up to date on UMB Financial analyst ratings.</strong></a></p>
<h2>Discovering UMB Financial: A Closer Look</h2>
<p>UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.</p>
<h3>Understanding the Numbers: UMB Financial's Finances</h3>
<p><strong>Market Capitalization Analysis:</strong> Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.</p>
<p><strong>Revenue Growth:</strong> UMB Financial's revenue growth over a period of 3M has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately <strong>17.74%</strong>. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.</p>
<p><strong>Net Margin:</strong> The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of <strong>30.44%,</strong> the company showcases strong profitability and effective cost control.</p>
<p><strong>Return on Equity (ROE):</strong> UMB Financial's ROE excels beyond industry benchmarks, reaching <strong>3.43%</strong>. This signifies robust financial management and efficient use of shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> UMB Financial's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of <strong>0.25%,</strong> the company may face hurdles in achieving optimal financial performance.</p>
<p><strong>Debt Management:</strong> The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at <strong>0.11</strong>.</p>
<h2>The Basics of Analyst Ratings</h2>
<p>Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.</p>
<p>Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.</p>
<p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<p>Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Click here to stay ahead of the market</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Analyst Ratings

Forecasting The Future: 6 Analyst Projections For UMB Financial

AVAL

BANC

BANF

BBAR

BBDO

BBVA

BSAC

BSBR

CBSH

GGAL

ITUB

MUFG

RRBI

SMFG

SUPV

Shares of banking companies are trading higher following President Trump's decision to implement a 90-day pause on reciprocal tariffs for all countries except China.

<p>Wells Fargo  analyst Timur Braziler   maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Equal-Weight and lowers the price target from $120 to $105.</p>


News

Price Target

Wells Fargo Maintains Equal-Weight on UMB Financial, Lowers Price Target to $105

<p>Barclays  analyst Jared Shaw   maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Overweight and lowers the price target from $139 to $125.</p>


Barclays Maintains Overweight on UMB Financial, Lowers Price Target to $125

GSBC

HSBC

Shares of banking companies are trading lower in response to President Trump's sweeping Liberation tariffs and retaliatory responses. The industry is now facing greater macroeconomic uncertainty and recession fears.

EWBC

FITB

ZION

Shares of banking companies are trading lower as markets react to President Trump's announcement of sweeping tariffs.

<p>UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) has outperformed the market over the past 5 years by 1.91% on an annualized basis producing an average annual return of 18.23%. Currently, UMB Financial has a market capitalization of $7.41 billion. </p>
<p><strong>Buying $100 In UMBF:</strong> If an investor had bought $100 of UMBF stock 5 years ago, it would be worth <strong>$234.76</strong> today based on a price of $101.98 for UMBF at the time of writing.</p>
<h3>UMB Financial's Performance Over Last 5 Years</h3>
<p><img src="https://www.benzinga.com/files/images/story/2025/1743627613_0.png" alt="comp_fig" /></p>
<p>Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.</p>
<p><em>This article was generated by Benzinga's automated content engine and reviewed by an editor.</em></p>


Here's How Much $100 Invested In UMB Financial 5 Years Ago Would Be Worth Today

<p>Across the recent three months, 4 analysts have shared their insights on UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>), expressing a variety of opinions spanning from bullish to bearish.</p>
<p>The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>Analysts have set 12-month price targets for UMB Financial, revealing an average target of $136.0, a high estimate of $146.00, and a low estimate of $127.00. This current average represents a 2.16% decrease from the previous average price target of $139.00. </p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1741888853_0.png" alt="price target chart" /></p>
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
<p>The standing of UMB Financial among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Brian Wilczynski</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$146.00</td>
<td>$156.00</td>
</tr>
<tr>
<td>Benjamin Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$127.00</td>
<td>$130.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$128.00</td>
<td>$128.00</td>
</tr>
<tr>
<td>Nathan Race</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$143.00</td>
<td>$142.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to UMB Financial. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of UMB Financial compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts explore the dynamics of price targets, providing estimates for the future value of UMB Financial's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
<p>For valuable insights into UMB Financial's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/UMBF/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Stay up to date on UMB Financial analyst ratings.</strong></a></p>
<h2>Discovering UMB Financial: A Closer Look</h2>
<p>UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.</p>
<h3>UMB Financial's Financial Performance</h3>
<p><strong>Market Capitalization:</strong> Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.</p>
<p><strong>Revenue Growth:</strong> Over the 3 months period, UMB Financial showcased positive performance, achieving a revenue growth rate of <strong>17.74%</strong> as of 31 December, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.</p>
<p><strong>Net Margin:</strong> UMB Financial's net margin is impressive, surpassing industry averages. With a net margin of <strong>30.44%,</strong> the company demonstrates strong profitability and effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> UMB Financial's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>3.43%</strong> ROE, the company effectively utilizes shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> UMB Financial's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of <strong>0.25%,</strong> the company may face hurdles in achieving optimal financial performance.</p>
<p><strong>Debt Management:</strong> UMB Financial's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of <strong>0.11</strong>.</p>
<h2>Understanding the Relevance of Analyst Ratings</h2>
<p>Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. </p>
<p>Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.</p>
<p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<p>Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Click here to stay ahead of the market</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


4 Analysts Have This To Say About UMB Financial

<p>Morgan Stanley  analyst Brian Wilczynski   maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Overweight and lowers the price target from $156 to $146.</p>


Morgan Stanley Maintains Overweight on UMB Financial, Lowers Price Target to $146

<p><strong>UMB Financial's</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NYSE">UMBF</a>) short percent of float has fallen 44.14% since its last report. The company recently reported that it has <strong>2.28 million shares sold short</strong>, which is 3.67% of all regular shares that are available for trading. Based on its trading volume, <strong>it would take traders 2.75 days to cover their short positions on average.</strong></p>
<h3>Why Short Interest Matters</h3>
<p>Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.</p>
<p>Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.</p>
<p><strong>See Also:</strong> <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage"><strong>List of the most shorted stocks</strong></a></p>
<h3>UMB Financial Short Interest Graph (3 Months)</h3>
<p><img src="https://www.benzinga.com/files/images/story/2025/1741723226_0_0.png" alt="short_fig" /></p>
<p>As you can see from the chart above the percentage of shares that are sold short for UMB Financial has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.</p>
<h3>Comparing UMB Financial's Short Interest Against Its Peers</h3>
<p>Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.</p>
<p>According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, UMB Financial's peer group average for short interest as a percentage of float is 3.49%, which means the company has <strong>more</strong> short interest than most of its peers.</p>
<p>Did you know that increasing short interest can actually be <strong>bullish</strong> for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage"><strong>This post by Benzinga Money explains how you can profit from it.</strong></a></p>
<p><em>This article was generated by Benzinga's automated content engine and was reviewed by an editor.</em></p>


What's Driving the Market Sentiment Around UMB Financial?

<p><strong>UMB Financial's</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NYSE">UMBF</a>) short percent of float has fallen 30.84% since its last report. The company recently reported that it has <strong>4.11 million shares sold short</strong>, which is 6.57% of all regular shares that are available for trading. Based on its trading volume, <strong>it would take traders 3.55 days to cover their short positions on average.</strong></p>
<h3>Why Short Interest Matters</h3>
<p>Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.</p>
<p>Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.</p>
<p><strong>See Also:</strong> <a href="https://www.benzinga.com/short-interest"><strong>List of the most shorted stocks</strong></a></p>
<h3>UMB Financial Short Interest Graph (3 Months)</h3>
<p><img src="https://www.benzinga.com/files/images/story/2025/1739382316_0.png" alt="short_fig" /></p>
<p>As you can see from the chart above the percentage of shares that are sold short for UMB Financial has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.</p>
<h3>Comparing UMB Financial's Short Interest Against Its Peers</h3>
<p>Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.</p>
<p>According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, UMB Financial's peer group average for short interest as a percentage of float is 3.79%, which means the company has <strong>more</strong> short interest than most of its peers.</p>
<p>Did you know that increasing short interest can actually be <strong>bullish</strong> for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/"><strong>This post by Benzinga Money explains how you can profit from it.</strong></a></p>
<p><em>This article was generated by Benzinga's automated content engine and was reviewed by an editor.</em></p>


How Is The Market Feeling About UMB Financial?

<p>Citigroup  analyst Benjamin Gerlinger   downgrades UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) from Buy to Neutral and lowers the price target from $130 to $127.</p>


Downgrades

Citigroup Downgrades UMB Financial to Neutral, Lowers Price Target to $127

<p>4 analysts have shared their evaluations of UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) during the recent three months, expressing a mix of bullish and bearish perspectives.</p>
<p>The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>Insights from analysts' 12-month price targets are revealed, presenting an average target of $141.5, a high estimate of $156.00, and a low estimate of $128.00. This current average reflects an increase of 8.02% from the previous average price target of $131.00. </p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1738274429_0.png" alt="price target chart" /></p>
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
<p>The standing of UMB Financial among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$128.00</td>
<td>$128.00</td>
</tr>
<tr>
<td>Nathan Race</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$143.00</td>
<td>$142.00</td>
</tr>
<tr>
<td>Jared Shaw</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$139.00</td>
<td>$123.00</td>
</tr>
<tr>
<td>Brian Wilczynski</td>
<td>Morgan Stanley</td>
<td>Announces</td>
<td>Overweight</td>
<td>$156.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to UMB Financial. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of UMB Financial compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
<p>Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of UMB Financial's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/UMBF/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on UMB Financial analyst ratings.</strong></a></p>
<h2>Unveiling the Story Behind UMB Financial</h2>
<p>UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking, asset management, and health spending solutions. Its customer base includes commercial, institutional, and personal customers across the United States. The company's banking subsidiaries own and operate banking and wealth-management centers mostly throughout the Midwest and Southwest regions of the U.S. Subsidiaries of the holding company and its lead bank, UMB Bank, include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment advisory. The bank's revenue is split nearly evenly between interest income and noninterest income.</p>
<h3>UMB Financial's Economic Impact: An Analysis</h3>
<p><strong>Market Capitalization:</strong> With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.</p>
<p><strong>Revenue Growth:</strong> UMB Financial's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately <strong>8.32%</strong>. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.</p>
<p><strong>Net Margin:</strong> The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of <strong>30.44%,</strong> the company showcases strong profitability and effective cost control.</p>
<p><strong>Return on Equity (ROE):</strong> UMB Financial's ROE stands out, surpassing industry averages. With an impressive ROE of <strong>3.43%</strong>, the company demonstrates effective use of equity capital and strong financial performance.</p>
<p><strong>Return on Assets (ROA):</strong> The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of <strong>0.25%,</strong> the company may need to address challenges in generating satisfactory returns from its assets.</p>
<p><strong>Debt Management:</strong> UMB Financial's debt-to-equity ratio is below the industry average at <strong>0.11</strong>, reflecting a lower dependency on debt financing and a more conservative financial approach.</p>
<h2>Analyst Ratings: What Are They?</h2>
<p>Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.</p>
<p>Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.</p>
<p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<p>Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights"><strong>Click here to stay ahead of the market</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


A Glimpse Into The Expert Outlook On UMB Financial Through 4 Analysts

<p>RBC Capital  analyst Jon Arfstrom   reiterates UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Sector Perform and maintains $128 price target.</p>


Reiteration

RBC Capital Reiterates Sector Perform on UMB Financial, Maintains $128 Price Target

<p>Piper Sandler  analyst Nathan Race   maintains UMB Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) with a Overweight and raises the price target from $142 to $143.</p>


Piper Sandler Maintains Overweight on UMB Financial, Raises Price Target to $143

<p><strong>UMB Financial</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) announced its Q4 earnings on Tuesday, January 28, 2025 at 04:05 PM.</p>
<p>Here's a breakdown of the earnings report.</p>
<h3>Earnings</h3>
<p>UMB Financial beat estimated earnings by 10.0%, reporting an EPS of $2.49 versus an estimate of $2.26.</p>
<p>Revenue was up $63.41 million from the same period last year.</p>
<h3>Historical Earnings Summary</h3>
<p>The company beat on EPS by $0.05 in the last quarter, resulting in a 4.0% increase share price change the following day.</p>
<p>Here's a look at UMB Financial's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.20</td>
<td>1.99</td>
<td>1.76</td>
<td>1.76</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.25</td>
<td>2.16</td>
<td>2.47</td>
<td>2.29</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>398.93M</td>
<td>385.25M</td>
<td>368.03M</td>
<td>360.69M</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>406.12M</td>
<td>390.03M</td>
<td>398.68M</td>
<td>370.78M</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for UMB Financial <a href="https://www.benzinga.com/quote/UMBF/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Earnings

UMB Financial Earnings Analysis: Q4 Recap

<p><strong>UMB Financial</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) reported its Q4 earnings results on Tuesday, January 28, 2025 at 04:05 PM.</p>
<p>Here's what investors need to know about the announcement.</p>
<h3>Earnings</h3>
<p>UMB Financial beat estimated earnings by 10.0%, reporting an EPS of $2.49 versus an estimate of $2.26.</p>
<p>Revenue was up $63.41 million from the same period last year.</p>
<h3>Overview of Past Earnings</h3>
<p>Last quarter the company beat on EPS by $0.05 which was followed by a 4.0% increase in the share price the next day.</p>
<p>Here's a look at UMB Financial's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.20</td>
<td>1.99</td>
<td>1.76</td>
<td>1.76</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.25</td>
<td>2.16</td>
<td>2.47</td>
<td>2.29</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>398.93M</td>
<td>385.25M</td>
<td>368.03M</td>
<td>360.69M</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>406.12M</td>
<td>390.03M</td>
<td>398.68M</td>
<td>370.78M</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for UMB Financial <a href="https://www.benzinga.com/quote/UMBF/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Earnings Summary: UMB Financial Q4

<p><strong>UMB Financial</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UMBF#NASDAQ">UMBF</a>) released its Q4 earnings on Tuesday, January 28, 2025 at 04:05 PM.</p>
<p>Here's what's important from the earnings announcement.</p>
<h3>Earnings</h3>
<p>UMB Financial beat estimated earnings by 10.0%, reporting an EPS of $2.49 versus an estimate of $2.26.</p>
<p>Revenue was up $63.41 million from the same period last year.</p>
<h3>Analysis of Past Earnings</h3>
<p>Last quarter the company beat on EPS by $0.05 which was followed by a 4.0% increase in the share price the next day.</p>
<p>Here's a look at UMB Financial's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.20</td>
<td>1.99</td>
<td>1.76</td>
<td>1.76</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.25</td>
<td>2.16</td>
<td>2.47</td>
<td>2.29</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>398.93M</td>
<td>385.25M</td>
<td>368.03M</td>
<td>360.69M</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>406.12M</td>
<td>390.03M</td>
<td>398.68M</td>
<td>370.78M</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for UMB Financial <a href="https://www.benzinga.com/quote/UMBF/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


UMB Financial Q4 Earnings Assessment

Press Releases

Saturna Capital Expands Employer Health Savings Account (HSA) Offerings

UMB Expands Collateralized Loan Obligation (CLO) Division

UMB Announces Conference Call to Discuss Third Quarter 2024 Results

UMB Financial Corporation Reports Third Quarter Net Income of $109.6 Million and Net Operating Income(i) of $110.4 Million.

UMB Financial Corporation Receives Regulatory Approval to Acquire Heartland Financial USA, Inc.

UMB Announces Conference Call to Discuss Fourth Quarter and Full-Year 2024 Results

UMB Financial Corporation Reports Fourth Quarter Net Income of $120.0 Million and Net Operating Income(i) of $122.6 Million.
Full-Year 2024 Net Income of $441.2 Million; Net Operating Income(i) of $461.7 Million.

UMB Financial Corporation Completes Acquisition of Heartland Financial USA, Inc.

UMB Financial Corporation Announces Dividend on Series A Preferred Stock; Nasdaq UMBFP

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