Core Insights - UMB Financial has seen significant increases in institutional ownership, with several hedge funds raising their stakes substantially in recent quarters, indicating strong investor confidence in the company [1][6] - The company's stock performance shows a market capitalization of $9.78 billion, with a price-to-earnings ratio of 14.10 and a price-to-earnings-growth ratio of 0.93, suggesting a potentially attractive valuation [2] - UMB Financial reported a quarterly earnings per share (EPS) of $3.08, exceeding analyst expectations, and demonstrated a year-over-year revenue growth of 66.0% [3] Institutional Ownership - Farther Finance Advisors LLC increased its stake by 219.2%, owning 249 shares valued at $29,000 after acquiring 171 additional shares [1] - EverSource Wealth Advisors LLC raised its stake by 193.5%, now holding 405 shares worth $43,000 after acquiring 267 shares [1] - 1620 Investment Advisors Inc. significantly increased its position by 8,790.9%, owning 978 shares valued at $116,000 after acquiring 967 shares [1] Financial Performance - UMB Financial's stock opened at $128.77, with a 50-day moving average of $122.41 and a 200-day moving average of $117.35 [2] - The company has a 1-year low of $82.00 and a 1-year high of $136.11, indicating volatility in its stock price [2] - The firm reported a net margin of 16.90% and a return on equity of 12.14% [3] Dividend Information - UMB Financial declared a quarterly dividend of $0.43, representing an annualized dividend of $1.72 and a dividend yield of 1.3% [4] - The company's payout ratio stands at 18.84%, indicating a conservative approach to dividend distribution [4] Analyst Ratings - Zacks Research upgraded UMB Financial from a "hold" to a "strong-buy" rating, reflecting positive sentiment among analysts [5] - Piper Sandler raised its price target from $145.00 to $152.00, maintaining an "overweight" rating [5] - The average target price for UMB Financial is $141.00, with a consensus rating of "Moderate Buy" [5] Insider Transactions - Director Kevin Charles Gallagher sold 388 shares at an average price of $129.30, reducing his ownership by 3.01% [7] - CEO J Mariner Kemper sold 15,367 shares at an average price of $114.58, representing a 1.00% decrease in his position [7] - In the last 90 days, insiders sold a total of 34,469 shares valued at $4,218,998, with insiders owning 5.45% of the stock [7] Company Overview - UMB Financial Corporation is a diversified financial services holding company based in Kansas City, Missouri, providing a full suite of banking services [8] - The company offers commercial and consumer banking, wealth management, trust services, investment advisory, and retirement planning [9]

Core Viewpoint - UMB Financial (UMBF) is currently viewed as a more attractive investment option compared to Commerce Bancshares (CBSH) for value investors, based on various financial metrics and earnings outlook [1][3]. Valuation Metrics - UMBF has a forward P/E ratio of 10.77, while CBSH has a higher forward P/E of 13.17, indicating that UMBF may be undervalued relative to CBSH [5]. - The PEG ratio for UMBF is 0.93, suggesting a favorable valuation when considering expected earnings growth, compared to CBSH's PEG ratio of 2.70, which indicates a higher valuation relative to growth expectations [5]. - UMBF's P/B ratio stands at 1.32, while CBSH's P/B ratio is 1.9, further supporting UMBF's position as a more attractive value option [6]. Earnings Outlook - UMBF has a Zacks Rank of 2 (Buy), indicating a stronger improvement in its earnings outlook compared to CBSH, which has a Zacks Rank of 4 (Sell) [3]. - The solid earnings outlook for UMBF contributes to its Value grade of A, while CBSH has a Value grade of C, reinforcing UMBF's superior position in the current market [6].

Core Viewpoint - Lower interest rates, favorable credit conditions, and increasing loan demand are expected to positively impact most regional banks, with UMB Financial (UMBF) positioned more favorably than its peers [1] Group 1: Market Conditions - The current environment of lower rates is beneficial for regional banks, as it can lead to reduced deposit costs [1] - Benign credit conditions are contributing to a more favorable lending landscape [1] - Improving loan demand is anticipated to support the growth of regional banks [1] Group 2: Company-Specific Insights - UMB Financial is identified as being liability-sensitive, which means it is likely to benefit from further rate cuts [1] - The expectation is that deposit costs for UMB will decline at a faster rate compared to its competitors [1]

Core Viewpoint - Lower interest rates, favorable credit conditions, and increasing loan demand are expected to positively impact most regional banks, with UMB Financial (UMBF) positioned more favorably than its peers [1] Group 1: Market Conditions - The current environment of lower rates is beneficial for regional banks, as it can lead to reduced deposit costs [1] - Benign credit conditions are contributing to a more favorable lending landscape [1] - Improving loan demand is anticipated to support the growth of regional banks [1] Group 2: Company-Specific Insights - UMB Financial is identified as being liability-sensitive, which means it is likely to benefit from further rate cuts [1] - The expectation is that deposit costs for UMB will decline at a faster rate compared to its competitors [1]

Core Viewpoint - UMB Financial (UMBF) is identified as a strong value stock opportunity, currently holding a Zacks Rank 2 (Buy) and an A grade for Value, indicating it is likely undervalued based on key financial metrics [4][7]. Valuation Metrics - UMBF has a Forward P/E ratio of 11.14, which is lower than the industry average of 11.25. Over the past year, UMBF's Forward P/E has fluctuated between 8.69 and 13.63, with a median of 11.03 [4]. - The company’s P/B ratio stands at 1.35, significantly lower than the industry average of 2.43. UMBF's P/B has ranged from 0.99 to 1.76 in the past year, with a median of 1.41 [5]. - UMBF's P/CF ratio is 15.76, which is also attractive compared to the industry average of 17.27. The P/CF for UMBF has varied between 8.94 and 16.15 over the last year, with a median of 12.36 [6]. Investment Outlook - The combination of UMBF's favorable valuation metrics and strong earnings outlook suggests that it is currently undervalued, making it an appealing investment option for value investors [7].

Core Viewpoint - UMB Financial (UMBF) is identified as a strong momentum stock with a Momentum Style Score of A and a Zacks Rank of 1 (Strong Buy), indicating potential for near-term price increases [3][4][12]. Momentum Style Score Analysis - The Momentum Style Score incorporates price changes and earnings estimate revisions, which are critical for assessing stock performance [2][9]. - UMBF's shares have increased by 3.23% over the past week, outperforming the Zacks Banks - Midwest industry, which rose by 1.85% during the same period [6]. - Over the past quarter, UMBF shares have risen by 21.12%, while the S&P 500 has only increased by 0.3% [7]. Trading Volume Insights - UMBF's average 20-day trading volume is 574,508 shares, which serves as a bullish indicator when combined with rising stock prices [8]. Earnings Outlook - In the last two months, 6 earnings estimates for UMBF have been revised upwards, increasing the consensus estimate from $11.53 to $12.03 [10]. - For the next fiscal year, 4 estimates have also moved higher, with no downward revisions noted [10]. Conclusion - Given the strong performance metrics and positive earnings outlook, UMBF is positioned as a promising investment opportunity for those seeking momentum stocks [12].

Company Performance - UMB Financial (UMBF) shares have increased by 8.9% over the past month, reaching a new 52-week high of $132.49 [1] - Year-to-date, UMB has gained 13.9%, outperforming the Zacks Finance sector's 1.8% gain and the Zacks Banks - Midwest industry's 11.1% return [1] Earnings and Revenue Expectations - UMB has consistently beaten earnings estimates, with an EPS of $3.08 reported on January 27, 2026, compared to a consensus estimate of $2.71 [2] - For the current fiscal year, UMB is projected to earn $12.03 per share on revenues of $2.89 billion, reflecting a 5.99% increase in EPS and a 7.96% increase in revenues [3] - The next fiscal year is expected to see earnings of $13.13 per share on revenues of $3.06 billion, indicating a year-over-year change of 9.15% in EPS and 6.04% in revenues [3] Valuation Metrics - UMB currently trades at 10.9 times the current fiscal year EPS estimates, which is above the peer industry average of 10.5 times [7] - On a trailing cash flow basis, UMB trades at 10.5 times, compared to the peer group's average of 11.4 times [7] - The stock has a PEG ratio of 0.94, which does not place it among the top tier of stocks from a value perspective [7] Zacks Rank and Style Scores - UMB holds a Zacks Rank of 1 (Strong Buy) due to a favorable earnings estimate revision trend [8] - The stock has a Value Score of B, a Growth Score of C, and a Momentum Score of A, resulting in a combined VGM Score of B [6] Industry Comparison - UMBF's performance is strong, but 1st Source Corporation (SRCE) is also a notable peer with a Zacks Rank of 2 (Buy) and a Value Score of B [9] - SRCE is expected to post earnings of $6.69 per share on revenues of $461 million for the current fiscal year, with shares gaining 9.9% over the past month [10] - The Banks - Midwest industry is positioned in the top 17% of all industries, indicating favorable conditions for both UMBF and SRCE [11]

Core Insights - Zacks Premium offers tools for investors to enhance their stock market engagement and confidence [1] - The Zacks Style Scores are designed to help investors select stocks with high potential for market outperformance [3] Zacks Style Scores Overview - The Zacks Style Scores categorize stocks into four types: Value Score, Growth Score, Momentum Score, and VGM Score [4][5][6][7] - Each stock receives a rating from A to F based on its characteristics, with A indicating the highest potential for outperforming the market [3] Value Score - The Value Score identifies attractive stocks using financial ratios such as P/E, PEG, Price/Sales, and Price/Cash Flow [4] Growth Score - The Growth Score focuses on a company's financial health and future outlook, analyzing projected and historical earnings, sales, and cash flow [5] Momentum Score - The Momentum Score assesses stocks based on price trends and earnings outlook changes, helping investors capitalize on upward or downward price movements [6] VGM Score - The VGM Score combines all three Style Scores, providing a comprehensive indicator for selecting stocks with favorable value, growth, and momentum characteristics [7] Zacks Rank Integration - The Zacks Rank uses earnings estimate revisions to simplify portfolio building, with 1 (Strong Buy) stocks historically yielding an average annual return of +23.83% since 1988 [8] - Stocks with a 1 or 2 rank and Style Scores of A or B are recommended for maximizing returns [10] Company Spotlight: UMB Financial - UMB Financial Corporation, based in Kansas City, MO, offers various banking and asset servicing solutions [12] - Currently rated 3 (Hold) by Zacks, UMBF has a VGM Score of A and a Momentum Style Score of A, with shares increasing by 5.4% over the past four weeks [12][13] - Analysts have raised earnings estimates for UMBF, with the Zacks Consensus Estimate increasing by $0.40 to $11.93 per share, and an average earnings surprise of +16.3% [13]

Group 1 - The article does not provide any relevant content regarding the company or industry [1]

Core Insights - UMB Financial Corp. (UMBF) reported strong fourth-quarter 2025 results, with operating earnings per share of $3.08, significantly up from $2.49 in the same quarter last year, and exceeding the Zacks Consensus Estimate of $2.71 [1][3][10] Financial Performance - The company achieved net income available to common shareholders of $209.5 million in Q4 2025, a remarkable increase of 74.6% year-over-year [3] - Quarterly revenues reached $720.9 million, a 66% increase compared to the previous year, surpassing the Zacks Consensus Estimate by 6.2% [4] - For the full year 2025, revenues totaled $2.65 billion, up from $1.63 billion in 2024, also exceeding the Zacks Consensus Estimate of $2.61 billion [4] Income and Expenses - Net interest income (NII) was reported at $522.5 million, reflecting a 94.3% year-over-year increase and a 10.0% sequential rise [4] - Non-interest income rose to $198.4 million, a 20.1% increase year-over-year, driven by higher trust and securities processing income, bankcard fees, and service charges [6] - Non-interest expenses increased to $425.6 million, a 57.4% rise year-over-year, with $39.7 million attributed to acquisition-related and non-recurring costs [6] Efficiency and Profitability - The efficiency ratio improved to 55.5% from 61.8% in the prior-year quarter, indicating enhanced profitability [7] - Return on average assets was 1.20%, up from 1.06% in the year-ago quarter, while return on average common equity decreased to 11.27% from 13.53% [13] Loan and Deposit Growth - Average loans for Q4 were $38.3 billion, a 3.2% sequential increase, with end-of-period loans at $38.8 billion [8] - Average deposits surged 51.4% year-over-year to $57.6 billion, with end-of-period deposits at $60.7 billion [8] Credit Quality - Net charge-offs totaled $12.7 million, or 0.13% of average loans, slightly down from 0.14% in the year-ago quarter [11] - Total non-accrual and restructured loans increased to $144.7 million from $19.3 million in the prior-year quarter [11] Capital Ratios - As of December 31, 2025, the Tier 1 risk-based capital ratio improved to 11.55% from 11.29% a year earlier, and the total risk-based capital ratio rose to 13.36% from 13.21% [12]