Lumida
/UMBF
⌘K
UMB Financial Corp

UMB Financial Corp

UMBF
$139.49USD+0.09%+0.12 today

MARKET CAP

10.6B

P/E (TTM)

15.2x

FWD P/E

DAY RANGE

$138 – $142

52W RANGE

$103
$153

AI Summary

Stalk
Sell NowMedium

UMBF has decisively broken its horizontal support zone near $141.50–$143.00 on strong volume, confirming a Stage 4 distribution and activating a bearish Support Failure pattern. Price remains below the rolling 9/20/50 EMAs and has been rejected at former support, which now offers resistance. With short-term momentum clearly down and structural asymmetry favoring sellers, we initiate bearish engagement on a retest of this resistance zone under the Value + EPS strategy.

  • Net income rose 26.1% YoY to $271.8 M in Q2 2026, beating expectations
  • Heartland acquisition to boost market share and deliver revenue synergies
  • Heartland integration poses execution risks that could dampen profitability
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$1.3B$1.7B$2.4B$2.8B$4.1B
YoY %-2.9%+27.3%+40.7%+17.6%+48.1%
P / Sales3.9x2.4x1.7x2.0x2.0x
EV / Sales33.3x23.3x18.7x18.5x17.6x
Gross Profit, Adj.$1.3B$1.5B$1.5B$1.6B$2.7B
YoY %-0.7%+14.4%-0.4%+11.4%+62.8%
Margin %96.5%86.8%61.4%58.2%64.0%
EV / Gross Profit34.5x26.8x30.5x31.9x27.5x
EBITDA, Adj.$429.1M$532.0M$421.6M$541.3M$875.0M
YoY %+22.9%+24.0%-20.8%+28.4%+61.6%
Margin %32.3%31.4%17.7%19.3%21.1%
EV / EBITDA103.3x74.0x105.7x95.9x83.3x
EBIT$429.1M$532.0M$421.6M$541.3M$875.0M
YoY %+26.6%+24.0%-20.8%+28.4%+61.6%
Margin %32.3%31.4%17.7%19.3%21.1%
EV / EBIT103.3x74.0x105.7x95.9x83.3x
Net Income$353.0M$431.7M$350.0M$441.2M$684.6M
YoY %+23.2%+22.3%-18.9%+26.1%+55.2%
Net Margin26.6%25.5%14.7%15.8%16.5%
EPS (GAAP)$7.24$8.86$7.18$8.99$9.29
YoY %+22.1%+22.4%-19.0%+25.2%+3.3%