Nama's AI scorecard currently rates UMB Financial Buy (7.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is UMBF's P/E ratio?

UMB Financial trades at a trailing price-to-earnings ratio of 10.1.

When does UMBF report earnings?

UMB Financial's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $3.28.

What is the UMBF price target?

The median analyst price target from 16 analysts is $159.00, with a range of $145.00 – $185.00.

Is UMBF Shariah compliant?

Nama's AAOIFI-style screen reads UMB Financial as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does UMBF pay a dividend?

Yes — UMB Financial's dividend yield is 1.5%.

Nama Insights

UMB Financial (UMBF)

Financial Services · Banks Regional · NASDAQ

UMB Financial (UMBF) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $10.16B and a trailing price-to-earnings ratio of 10.1. Over the most recent reported fiscal year, revenue grew 65.7%. Nama's AI scorecard rates it Buy, 7.3 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Buy · 7.3/10

Clearly positive, short of the top band. As of Nov 7, 2026.

Momentum

Rising · +19.8% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-12.8%

How far the last close sits under the highest price of the past five years.

Market cap	$10.16B
Trailing P/E	10.1
Price / book	1.3
Price / sales	3.5
FCF yield	—
Dividend yield	1.5%
Gross margin	0.0%
Operating margin	—
Net margin	35.6%
Revenue growth (YoY)	+65.7%
Revenue growth (3-yr annual)	+21.4%
EPS growth (YoY)	+2.6%
FCF/share growth (YoY)	—
Beta	0.8
Exchange	NASDAQ
Sector	Financial Services
Industry	Banks Regional

UMBF earnings

Next report: Jan 26, 2027 (Q4 2026, EPS estimate $3.28). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 27, 2026	$3.56	$3.22	+10.6%	$716.71M
Q2 2026	Jul 28, 2026	$3.57	$3.12	+14.4%	$723.08M
Q1 2026	Apr 28, 2026	$3.41	$2.82	+20.9%	$685.26M
Q4 2025	Jan 27, 2026	$2.74	$2.47	+10.9%	$664.95M

UMBF analyst price target

Median target $159.00 from 16 analysts, ranging $145.00 – $185.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live UMBF data on Nama Insights →

Recent Congressional trades

UMB Financial trades disclosed by members of the US House and Senate under the STOCK Act. See the full Congress trades board →

Member	Chamber	Trade	Amount	Disclosed
Josh Gottheimer	House	Sell	$1,001 - $15,000	May 14, 2025
Josh Gottheimer	House	Buy	$1,001 - $15,000	Jun 8, 2024
Josh Gottheimer	House	Buy	$1,001 - $15,000	Jan 7, 2024

UMBF FAQ

Is UMBF a buy?: Nama's AI scorecard currently rates UMB Financial Buy (7.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is UMBF's P/E ratio?: UMB Financial trades at a trailing price-to-earnings ratio of 10.1.
When does UMBF report earnings?: UMB Financial's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $3.28.
What is the UMBF price target?: The median analyst price target from 16 analysts is $159.00, with a range of $145.00 – $185.00.
Is UMBF Shariah compliant?: Nama's AAOIFI-style screen reads UMB Financial as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does UMBF pay a dividend?: Yes — UMB Financial's dividend yield is 1.5%.