How to Buy Umb Financial Stock
Umb Financial Corp
UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services.
Umb Financial stock last closed at $90.42, down 1.19% from the previous day, and has increased 8.21% in one year. It has underperformed other stocks in the Banks - Regional industry by 0.03 percentage points. Umb Financial stock is currently +18.97% from its 52-week low of $76.00, and -30.41% from its 52-week high of $129.94.
As of Apr 21, 2025, there are 72.59M UMBF shares outstanding. The market cap of UMBF is $6.56B. In the past 24 hours, 441,307 UMBF shares were traded.
How to Buy Umb Financial Stock
Wondering how to invest in Umb Financial stock? Here's how.
- Choose where to buy Umb Financial stock: You need to choose an online brokerage, but don't worry - we've tried dozens of online brokerages and apps to help you determine where to buy Umb Financial stock.
- Sign up for a brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've selected.
- Fund your brokerage account: Choose your payment method and add your information.
- Research Umb Financial stock: The Umb Financial ticker symbol is UMBF. Is Umb Financial stock a good investment? Should you buy shares of UMBF? How do UMBF's underlying business fundamentals look? Do top analysts think Umb Financial is a good buy? Why has UMBF's stock price moved recently? (Hint: Our stock market research website can help you decide if UMBF is a good stock to buy).
- Execute your UMBF trade: Decide if you will purchase UMBF shares at the current market price or use a limit order to purchase UMBF stock at a specific price.
- Keep tabs on your investment in UMBF: Create a watchlist to important notifications about your position in Umb Financial stock.
Step 1: Choose where to buy Umb Financial stock
You will need an online brokerage account in order to access the NASDAQ market and buy UMBF shares.
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Open eToro AccountStep 2: Sign up for a brokerage account
Now that you've selected the best brokerage, it's time to fill out some personal info so you can buy UMBF today.
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Step 3: Fund your brokerage account
Now that you've filled out your info on the highest rated stock app, you need to deposit funds:
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Step 4: Research Umb Financial stock
Once you have selected the best place to buy Umb Financial stock, it's very important to research their stock before you invest, so you actually understand the risk and opportunity.
Umb Financial Metrics
Fundamentals of UMBF
WallStreetZen was designed to help part-time investors do better fundamental analysis quickly.
You can see all of the due diligence checks on UMBF's stock page.
Is UMBF stock properly valued?
Analysts use many financial metrics, analyses, models, and charts to gauge UMBF's fair value.
Using relative valuations ratios:
- UMBF may be undervalued based on its P/E ratio of 9.99x, relative to Banks - Regional industry P/E ratio of 13.07x
- UMBF could be overvalued based on its P/B ratio of 1.89x, relative to Banks - Regional industry P/B ratio of 1.07x
- UMBF may be overvalued based on its PEG ratio of 1.31x
You can do more valuation analysis on UMBF's stock here.
UMBF Financial Health Summary
Pros:
- UMBF earnings of $541.27M is not sufficient to cover its interest payments.
- UMBF profit margin has gone up from 24.6% to 28.1% in the past year.
Cons:
- Total UMBF debt is higher than 5 years ago, relative to shareholder equity.
- UMBF has a relatively high debt to equity ratio of 13.54.
- UMBF's operating cash flow of $225.29M allows it to safely service it's debt of $3.00B.
Is it a good time to buy UMBF stock, according to Wall Street analysts?
Out of 6 sell side analysts who give recommendations on UMBF, the consensus analyst rating on Umb Financial is a Buy
It's important to keep in mind that analyst forecasts are not stock recommendations, nor are they investment advice.
Latest UMBF Analyst Upgrades/Downgrades
Nathan Race, a top 15% analyst from Piper Sandler maintains UMBF with a strong buy rating and raises their UMBF price target from $142.00 to $143.00, on Jan 30, 2025.
Piper Sandler's Nathan Race raised their price target on UMB Financial (NASDAQ: UMBF) by 0.7% from $142 to $143 on 2025/01/30. The analyst maintained their Strong Buy rating on the stock.
UMB Financial reported its Q4 and FY 2024 earnings on 2025/01/28.
Race hiked their price target looking ahead, making the following points:
- Additional outperformance is expected because of legacy UMB Financial's superior PPNR growth outlook in the current rate environment.
- Also anticipated is the soon-to-close and progressing-as-planned Heartland Financial (HTLF) acquisition, which will deliver consistently superior through-cycle profitability via the added scale, a likely conservative 27.5% in cost savings, and the addition of Heartland Financial's high-quality, relatively lower-cost deposit base.
Earnings Report
UMB Financial reported:
For Q4 2024:
- EPS of $2.49, which beat the Zacks Consensus Estimate of $2.30 and Q4 2023's $2.29.
- Revenue of $119.9M, up 69.2% Y/Y.
For FY 2024:
- EPS of $12.75, which beat the Zacks Consensus Estimate of $9.23 and FY 2023's $10.76.
- Revenue of $441.2M, up 26% Y/Y.
Management did not provide financial guidance in its press release.
Chairman & CEO Mariner Kemper commented: “Our fourth quarter financial results punctuated a successful year for UMB Financial, driven by strong operating fundamentals that are the core of our investment thesis for shareholders.
“Our 2024 results reflect strong growth on both sides of the balance sheet, continued momentum and new client acquisitions in many of our fee income businesses, excellent credit quality metrics and disciplined expense management.
"We set new company records with annual net income of $441.2 million, net operating income of $461.7 million, net interest income that surpassed $1.0 billion, and noninterest income of $628.1 million.
“For the fourth quarter, net interest income increased 8.7% sequentially driven by both an 11-basis-point increase in net interest margin and a 15.6% linked-quarter annualized increase in average earning assets.
"Additionally, the strength of our fee income businesses propelled a 4.1% increase in noninterest income compared to the third quarter of 2024. Average loan balances increased 14.8% on a linked-quarter annualized basis, driven by top line loan production of $1.6 billion, another record for us.
“With the previously announced receipt of necessary approvals, we are excited to close our merger with Heartland Financial, slated for January 31, 2025.
"Teams at both companies have been diligently working to prepare for the closing and integration of our two franchises.”
You can dig deeper into what analysts are saying on the Umb Financial stock forecast page.
Metrics for Advanced UMBF Traders
UMBF Earnings
Last year, UMBF earnings were $441.24M. During the last 5 year, UMBF's earnings have increased by 12.64% per year. This was slower than the Banks - Regional industry average of 17.78%.
Last year, UMBF revenue was $1.57B. During the past 5 year, UMBF's revenue has increased by 8.05% per year. This was slower than the Banks - Regional industry average of 10.1%.
You can research UMBF's earnings and revenue performance here.
Who is buying/selling UMBF?
Over the past year, insiders at UMBF have sold more shares than they have bought.
Nikki Farentino Newton, President Private Wealth Mgmt of UMBF, was the latest UMBF insider to sell. They sold $63,469.40 worth of UMBF shares on Mar 7, 2025.
Dig into more about who owns UMBF shares here.
Can I rely on UMBF as an income stream?
Umb Financial pays a dividend of 1.75%, compared to the Banks - Regional industry's average dividend yield of 3.08%. If you owned $1,000 of UMBF stock, you would have been paid $17.47 in the past 12 months.
Umb Financial dividend payments have consistently grown over the past decade and have remained stable.
Find more analysis about Umb Financial dividend yield and history here.
What do other traders have to say about UMBF?
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Step 5: Execute your UMBF trade
You have two main order types:
- Market order: A market order is an order to buy or sell a stock at the best possible price.
Market orders are generally the easiest way to buy. - Limit order: A limit order allows you to buy or sell a security at a specific price (or better).
If you want to be certain you're buying or selling at a given price limit, place a limit order.
Press the Open button and eToro will execute your order.
If you want additional assistance investing in stocks on eToro, click the helpful video below:
Step 6: Keep tabs on your investment in UMBF
Now that you own some shares in UMBF, you'll want to stay up-to-date on your new company.
Add UMBF to a watchlist to get notified of important updates regarding your UMBF stock.
UMBF Feed
How to Buy Stock in Umb Financial
To reiterate, here are the 6 steps you need to take to buy Umb Financial stock right now:
- Choose where to buy Umb Financial stock
- Sign up for a brokerage account
- Fund your brokerage account
- Research Umb Financial stock
- Execute your UMBF trade
- Keep tabs on your investment in UMBF
If you require a brokerage, eToro is our recommended option.
Get Started with eToro TodayIf you want to get the latest news on your new investment in Umb Financial, create a watchlist today.
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