200wk Uptrend — rising+above (sma 97.41 vs px 143)
Funds Accumulating — momZ +2.22 · 5.02→5.46
Hidden Gem — stWatch 142
About UMB Financial Corporation
UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various busin… Read full Trend Edge analysis →
Sector: Financial Services
Industry: Banks-Regional
Exchange: NASDAQ
IPO Date: March 27, 1990
Headquarters: 1010 Grand Boulevard, Kansas City, MO, United States, 64106
Hidden Gem: Yes — undiscovered relative to its market cap tier
Founder-Led: No
Key Metrics
Current Price
$144.54
Market Cap
$11.08B
Float
72.9M
Shares Outstanding
76.0M
P/E (Forward)
11.92
P/E (TTM)
12.13
Price/Sales (TTM)
3.94
vs. Analyst Target
+16.4% to analyst PT
Profit Margin
33.50%
Operating Margin (TTM)
51.06%
Revenue (TTM)
$2.81B
Earnings Growth (YoY)
26.20%
Dividend Rate
2.0%
Analyst Target Price
$168.21 (11 analysts)
Financial History
Annual Revenue & Earnings History
Year
Revenue
Net Income
Gross Profit
EBITDA
2020
$1.30B
$287M
$1.09B
$402M
2021
$1.24B
$353M
$1.18B
$485M
2022
$1.58B
$432M
$1.32B
$586M
2023
$2.24B
$350M
$1.28B
$480M
2024
$2.64B
$441M
$1.41B
$594M
2025
$4.44B
$702M
$2.42B
$1.06B
Recent Quarterly Revenue & Net Income
Quarter
Revenue
Net Income
Sep 2025
$1.49B
$188M
Dec 2025
$1.09B
$215M
Mar 2026
$867M
$261M
Jun 2026
$778M
N/A
Ownership & Float
Insider Ownership
5.3%
Institutional Ownership
97.7%
Short Float
4.7%
% of All Funds Holding
5.46%
Number of Funds Holding
480
Current Moving Averages
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
Timeframe
SMA
Value
Trend Context
Weekly
10-Week SMA
$145.35
Near-term / short-term trend
Weekly
40-Week SMA
$128.02
Medium-term trend
Weekly
80-Week SMA
$117.79
Cyclical trend (business cycle)
Weekly
200-Week SMA
$97.42
Secular trend (multi-year)
Monthly
10-Month SMA
$127.24
Near-term monthly trend
Monthly
20-Month SMA
$118.08
Medium-term monthly trend
Monthly
40-Month SMA
$101.22
Secular monthly trend
Volume Shelves — Support & Resistance
Trend Edge identifies volume shelves: price zones where historically elevated trading volume
creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative
volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for UMB Financial Corporation
(UMBF) powered by Claude Opus — Anthropic's most capable AI model.
The analysis covers five layers:
technical analysis (near-term, medium-term, cyclical, and secular trend, momentum,
volume shelf support and resistance, breakout and breakdown signals),
qualitative analysis (business model, competitive moat, sector dynamics),
insider sentiment (buy and sell signals from executive and director transactions),
share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and
fundamental analysis (valuation, revenue growth, profit margin, earnings quality).
AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit,
stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward.
Whether you are building a long position, initiating a short, or looking for a reversal setup,
AI Consult identifies the highest-probability signal from the current trend.