How to Buy Umb Financial Stock
Umb Financial Corp
UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions.
Umb Financial stock last closed at $152.04, down 0.06% from the previous day, and has increased 31.37% in one year. It has overperformed other stocks in the Banks - Regional industry by 0.04 percentage points. Umb Financial stock is currently +47.07% from its 52-week low of $103.38, and -0.29% from its 52-week high of $152.48.
As of Aug 14, 2026, there are 75.95M UMBF shares outstanding. The market cap of UMBF is $11.55B. In the past 24 hours, 431,000 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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- Click here to get started.eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
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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:
Check out the tutorial below to see the process of depositing money into your new investment account.
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 12.57x, relative to Banks - Regional industry P/E ratio of 14.6x
- UMBF could be overvalued based on its P/B ratio of 1.44x, relative to Banks - Regional industry P/B ratio of 1.35x
- UMBF may be overvalued based on its PEG ratio of 1.57x
You can do more valuation analysis on UMBF's stock here.
UMBF Financial Health Summary
Pros:
- UMBF's operating cash flow of $1.09B allows it to safely service it's debt of $3.56B.
- Total UMBF debt is lower than 5 years ago, relative to shareholder equity.
- UMBF earnings of $1.19B is not sufficient to cover its interest payments.
- UMBF profit margin has gone up from 26.9% to 32.6% in the past year.
Cons:
- UMBF has a relatively high debt to equity ratio of 8.
Is it a good time to buy UMBF stock, according to Wall Street analysts?
Out of 11 sell side analysts who give recommendations on UMBF, the consensus analyst rating on Umb Financial is a Strong 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 4% analyst from Piper Sandler maintains UMBF with a strong buy rating and raises their UMBF price target from $161.00 to $181.00, on Jul 30, 2026.
Janet Lee, a top 13% analyst from TD Cowen maintains UMBF with a strong buy rating and raises their UMBF price target from $161.00 to $166.00, on Jul 30, 2026.
TD Cowen's Janet Lee raised their price target on Umb Financial (NASDAQ: UMBF) by 3.1% from $161 to $166 on 2026/07/30. The analyst maintained their Strong Buy rating on the stock.
UMB Financial reported its Q2 2026 earnings.
Raising their price target, Lee predicted that the expansion of the company's core NIM in the quarter should remain stable through 2H 2026 in spite of seasonal DDA pressure in Q3.
Earnings Report
For Q2 2026, UMB Financial reported:
- EPS of $3.57, which beat the Zacks Consensus Estimate of $3.08 and Q2 2025's $2.96.
- Revenue of $786.9M, which beat the Zacks Consensus Estimate by 8.4% and was up 14.2% Y/Y.
Management did not provide financial guidance in its press release.
Chairman & CEO Mariner Kemper commented: “Our strong second quarter financial results were once again driven by solid loan growth, exceptional asset quality, and continued strength in our fee income-generating businesses including monetization of investments held in our private investment division.
“Loan growth averaged 12.6% on a linked-quarter annualized basis, driven in large part by continued strength in our commercial and industrial (C&I) lending segments.
"Average loans exceeded $40 billion for the first time in our history, ending the quarter at $41.1 billion.
"During the quarter, we also reached a new record for total gross loan production of $2.6 billion, compared to $2.3 billion in the prior quarter.
"Average C&I loan balances increased 21.6% on a linked-quarter annualized basis to $17.5 billion.
"At the same time, our net charge-offs averaged a modest 16 basis points of loans, compared to 19 basis points in the prior quarter, while nonperforming loans declined 15.7% from March 31, 2026, to $127.5 million, or 31 basis points of total loans.
“As we often say, and consistently demonstrate, within the banking industry, UMB operates at the unique intersection of strong organic loan growth with exceptional asset quality.
"Excluding the impacts of $35.9 million and $51.0 million in purchase accounting accretion benefits in the second and first quarters of 2026, respectively, our core net interest margin increased four basis points sequentially while net interest income increased 2.7%.
"Fee income in the second quarter increased 19.9% compared to the prior quarter to $245.5 million.
"This was led by gains on equity positions held in our private investment portfolio, strong fee generation from our fund services, corporate trust and custody businesses, higher 12b-1 fees from growth in off-balance sheet deposit balances, customer swap fees, and card interchange income.
"Our private investment activity continued to deliver in the second quarter with $27.1 million in net gains from our holdings, primarily Beacon Communications, LLC and fund investment gains related to the public offering of Space Exploration Technologies (SpaceX).
“Finally, we are excited to announce that the board of directors has declared a dividend of $0.50 per common share to be paid on October 1, 2026, which represents a 16.3% increase from prior levels. This increase reflects our continued strong financial performance and our commitment to return value to our shareholders.”
Christopher Mcgratty, a top 10% analyst from Keefe, Bruyette & Woods maintains UMBF with a buy rating and raises their UMBF price target from $155.00 to $160.00, on Jul 30, 2026.
Brandon Rud, a top 35% analyst from Stephens & Co. initiates coverage on UMBF with a strong buy rating and announces their UMBF price target of $167.00, on Jul 15, 2026.
Chris Spahr, an analyst from Wells Fargo maintains UMBF with a hold rating and raises their UMBF price target from $130.00 to $139.00, on Jul 6, 2026.
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 $917.30M. During the last 5 year, UMBF's earnings have increased by 7.29% per year. This was slower than the Banks - Regional industry average of 25.24%.
Last year, UMBF revenue was $2.81B. During the past 5 year, UMBF's revenue has increased by 16.37% per year. This was faster than the Banks - Regional industry average of 10.24%.
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.
Susan G. Murphy, Director of UMBF, was the latest UMBF insider to sell. They sold $69,186.13 worth of UMBF shares on Aug 6, 2026.
Dig into more about who owns UMBF shares here.
Can I rely on UMBF as an income stream?
Umb Financial pays a dividend of 1.11%, compared to the Banks - Regional industry's average dividend yield of 2.44%. If you owned $1,000 of UMBF stock, you would have been paid $11.12 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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