UMBF
UMB Financial CorporationFinancial Services · $10.0B market cap
Verdict
Share price
$130.94
close of Oct 3, 2026
Fair value
$186.41
Sticker Price
Payback Price
$74.56
buy price
UMBF is Undervalued: at $130.94 it trades 30% below its fair value of $186.41. Its buy price (Payback Price) is $74.56, 43% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
2 of 5 clear the 10% bar. What are the Big Five?
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1 of the investors we track holds UMBF. Who we track
Insider activity
Since Jul 31, 2026: 2 open-market purchases worth $135K, 13 sales worth $5.6M and 1 other filing (stock awards, tax withholding and similar). Why purchases matter
Purchases
Sales
Shankar Ram
Chief Financial Officer · 2026-08-17
Sold
$303K
Terry Thomas S
Chief Credit Officer · 2026-08-17
Sold
$867K
Murphy Susan G
director · 2026-08-06
Sold
$131K
Murphy Susan G
director · 2026-08-06
Sold
$69K
Odgers David Carl
Chief Accounting Officer · 2026-08-05
Sold
$21K
Show all 13 salesShow fewer
Mason Phillip James
President, Inst. Banking · 2026-08-04
Sold
$118K
Newton Nikki Farentino
President, Private Wealth Mgmt · 2026-08-04
Sold
$149
Newton Nikki Farentino
President, Private Wealth Mgmt · 2026-08-04
Sold
$297K
Wilson Uma
Executive Vice President · 2026-08-04
Sold
$613K
KEMPER J MARINER
Chairman and CEO · 2026-08-04
Sold
$2.2M
KEMPER J MARINER
Chairman and CEO · 2026-08-03
Sold
$619K
Gallagher Kevin Charles
director · 2026-07-31
Sold
$52K
Beaird Robert Brian
Chief Human Resource Officer · 2026-07-31
Sold
$231K
Other filings
About UMB Financial Corporation
UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works