UMB Financial (NASDAQ:UMBF) Sets New 52-Week High on Strong Earnings

UMB Financial Corporation (NASDAQ:UMBF)’s stock price reached a new 52-week high on Wednesday after the company announced better than expected quarterly earnings. The stock traded as high as $149.63 and last traded at $148.6830, with a volume of 534650 shares trading hands. The stock had previously closed at $143.98.

The bank reported $3.57 earnings per share (EPS) for the quarter, topping the consensus estimate of $3.12 by $0.45. UMB Financial had a net margin of 20.42% and a return on equity of 13.07%. The firm had revenue of $778.00 million for the quarter, compared to the consensus estimate of $727.63 million. During the same quarter in the previous year, the firm posted $2.96 EPS.

UMB Financial Increases Dividend

The business also recently declared a quarterly dividend, which will be paid on Thursday, October 1st. Stockholders of record on Thursday, September 10th will be given a dividend of $0.50 per share. The ex-dividend date of this dividend is Thursday, September 10th. This is an increase from UMB Financial’s previous quarterly dividend of $0.43. This represents a $2.00 dividend on an annualized basis and a dividend yield of 1.3%. UMB Financial’s dividend payout ratio is 15.26%.

UMB Financial News Summary

Here are the key news stories impacting UMB Financial this week:

• Positive Sentiment: UMB Financial reported second-quarter adjusted earnings of approximately $3.57 per share, up from $2.96 a year earlier and above analyst estimates of $3.08–$3.12. Revenue reached $778 million, exceeding the $727.63 million consensus estimate. UMB Financial Corporation Reports Second Quarter 2026 Results
• Positive Sentiment: Results benefited from year-over-year growth in net interest income, loan growth and improved operating efficiency, suggesting solid underlying banking momentum. The earnings beat was the primary catalyst supporting the stock’s advance. UMB Financial Q2 Earnings Beat on Y/Y Rise in NII
• Positive Sentiment: The company raised its quarterly common dividend to $0.50 per share from $0.43, a 16.3% increase. The dividend is payable October 1 to shareholders of record September 10, reinforcing confidence in capital generation and shareholder returns. UMB Financial Declares Common and Preferred Dividends
• Neutral Sentiment: UMB Financial’s reported net margin was 20.42% and return on equity was 13.07%, indicating healthy profitability, while the stock is trading near its 52-week high after a strong recent run.
• Negative Sentiment: Higher operating expenses and increased provisions for credit losses partially offset the benefits of stronger net interest income and loan growth, leaving investors focused on whether expense and credit trends remain controlled.

Wall Street Analyst Weigh In

A number of brokerages have issued reports on UMBF. Truist Financial raised their target price on shares of UMB Financial from $140.00 to $161.00 and gave the stock a “buy” rating in a report on Friday, July 10th. Stephens assumed coverage on UMB Financial in a research note on Tuesday, July 14th. They set an “overweight” rating and a $167.00 price objective for the company. Wells Fargo & Company increased their target price on UMB Financial from $130.00 to $139.00 and gave the stock an “equal weight” rating in a research report on Monday, July 6th. Royal Bank Of Canada raised their target price on UMB Financial from $138.00 to $142.00 and gave the company an “outperform” rating in a research note on Thursday, April 30th. Finally, Zacks Research downgraded shares of UMB Financial from a “strong-buy” rating to a “hold” rating in a report on Tuesday, June 30th. Two investment analysts have rated the stock with a Strong Buy rating, nine have given a Buy rating and three have issued a Hold rating to the stock. Based on data from MarketBeat, the company currently has a consensus rating of “Moderate Buy” and a consensus target price of $152.17.

Insider Activity at UMB Financial

In other UMB Financial news, President James D. Rine sold 8,246 shares of UMB Financial stock in a transaction on Tuesday, June 9th. The stock was sold at an average price of $132.59, for a total transaction of $1,093,337.14. Following the sale, the president owned 61,446 shares of the company’s stock, valued at $8,147,125.14. The trade was a 11.83% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, Director Kevin Charles Gallagher sold 381 shares of UMB Financial stock in a transaction on Wednesday, June 10th. The shares were sold at an average price of $132.88, for a total value of $50,627.28. Following the sale, the director directly owned 12,223 shares in the company, valued at $1,624,192.24. The trade was a 3.02% decrease in their position. The disclosure for this sale is available in the SEC filing. Insiders own 5.33% of the company’s stock.

Institutional Inflows and Outflows

Large investors have recently modified their holdings of the business. UMB Bank n.a. raised its stake in shares of UMB Financial by 11.4% during the fourth quarter. UMB Bank n.a. now owns 4,809,824 shares of the bank’s stock valued at $553,322,000 after purchasing an additional 493,875 shares in the last quarter. State Street Corp increased its stake in UMB Financial by 7.9% during the 2nd quarter. State Street Corp now owns 4,296,190 shares of the bank’s stock valued at $453,461,000 after buying an additional 313,414 shares during the period. Wellington Management Group LLP increased its stake in UMB Financial by 32.0% during the 3rd quarter. Wellington Management Group LLP now owns 3,098,798 shares of the bank’s stock valued at $366,743,000 after buying an additional 751,525 shares during the period. Dimensional Fund Advisors LP raised its position in shares of UMB Financial by 1.9% during the 1st quarter. Dimensional Fund Advisors LP now owns 2,909,932 shares of the bank’s stock worth $328,200,000 after buying an additional 55,005 shares in the last quarter. Finally, Geode Capital Management LLC raised its position in shares of UMB Financial by 1.8% during the 4th quarter. Geode Capital Management LLC now owns 1,907,978 shares of the bank’s stock worth $219,529,000 after buying an additional 33,078 shares in the last quarter. 87.78% of the stock is owned by institutional investors and hedge funds.

UMB Financial Trading Up 3.0%

The business’s 50 day moving average price is $137.78 and its two-hundred day moving average price is $127.32. The company has a market capitalization of $11.27 billion, a price-to-earnings ratio of 13.18, a price-to-earnings-growth ratio of 0.78 and a beta of 0.77. The company has a debt-to-equity ratio of 0.06, a quick ratio of 0.75 and a current ratio of 0.75.

UMB Financial’s stock is scheduled to split before the market opens on Tuesday, September 1st. The 3-2 split was announced on Tuesday, July 28th. The newly issued shares will be payable to shareholders after the market closes on Monday, August 31st.

About UMB Financial

UMB Financial Corporation (NASDAQ: UMBF) is a diversified financial services holding company headquartered in Kansas City, Missouri. Through its principal banking subsidiary, UMB Bank, N.A., the company provides a full suite of commercial and consumer banking services. Key offerings include deposit accounts, commercial and consumer lending, treasury and cash management, as well as online and mobile banking solutions designed to serve businesses, individuals and municipalities.

In addition to its core banking operations, UMB Financial delivers wealth management and trust services, investment advisory, asset management and retirement planning to high-net-worth individuals, families and institutions.