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UMB Financial Corporation (UMBF) — chart, structure and Closelooknet read

The Closelooknet read

UMB Financial is a bank holding company that offers banking and asset-servicing work across the United States and abroad. It runs three segments: Commercial Banking, which lends to businesses and manages treasury services; Institutional Banking, which handles fund administration, custody and healthcare payment services for institutional clients; and Personal Banking, which covers deposits, mortgages, cards and wealth management for individuals.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for UMBF, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 48/100 · S&P 500 fund at 51, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-10
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 67th percentile of the window, -18.1% over 20 sessions. Factor regime → 2026-11-10
  • Sector × region Financials in US: +1.9% week · +5.9% month · +1.0% quarter · +14.2% yearThe Sector Engine cell this name lives in, from XLF.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-10
  • Sovereign pressure Index -1.67 · down 1.71 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-09
How it trades on rate days beta 0.46 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How UMBF has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.46 — tends to move with bonds for every 1% move in TLT (20+ year Treasuries), UMB Financial Corporation moved 0.46% on average · correlation 0.18 · higher than 35% of US names
  • Beta, last 3 months 0.59 about the same as over the year
  • On the 10 worst bond days +0.04% on average against −0.72% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days −0.58% TLT −1.32% that day 2026-11-10

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Banks - Regional · US · 8 names with week and year-to-date

Peer group

Banks - Regional · US

Names in the same industry from the Closelooknet universe; scored names rank on their Closelooknet score, the rest on trend state.

Compared against UMBF on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — UMB Financial Corporation

UMBF in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
UMB Financial is a bank holding company that offers banking and asset-servicing work across the United States and abroad. It runs three segments: Commercial Banking, which lends to businesses and manages treasury services; Institutional Banking, which handles fund administration, custody and healthcare payment services for institutional clients; and Personal Banking, which covers deposits, mortgages, cards and wealth management for individuals. It is based in Kansas City.
Where it sits in the stack
UMB Financial carries no seat in Rubin, our AI build-out index, or in Halo; it sits instead in the diary's Financial Services sleeve, US regional banks. That sleeve tracks lenders and asset servicers whose business runs on deposit funding and credit cycles rather than compute demand.
Who it is priced against
Closelooknet's peer group draws on scored Financial Services names from the US: Futu Holdings, Grupo Cibest, PJT Partners, Sumitomo Mitsui Financial Group, Mizuho Financial Group, Brookfield Asset Management, Credicorp and TPG. The market also names PNC Financial Services as a comparable US regional bank.
Why Closelooknet tracks it
It carries a Closelooknet score, our multi-module read of a company, with valuation the strongest module and quality the weakest. It holds no seat in Rubin or Halo and has not yet been quoted in the diary's editions.
What the diary watches
Whether the weak quality reading reflects loan-book or balance-sheet strain, and whether that gap narrows as later scores are run.

UMB Financial Corporation (UMBF) trades on US exchanges, classified under Financial Services.

The Closelooknet company score reads 56/100 composite (momentum 57, quality 65, valuation 66) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 5 analyst actions on the wire · latest: price target by RBC Capital, 2026-10-09

The Street on this name

Analyst actions and the latest print for UMBF from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target RBC Capital — target 168 from 170 Target cut to $168 from $170 (+29.4% to spot) 2026-10-09
  • Price target Wells Fargo — target 147 from 160 Target cut to $147 from $160 (+11.5% to spot) 2026-09-29
  • Price target Morgan Stanley — target 182 from 190 Target cut to $182 from $190 (+35% to spot) 2026-09-28

5 actions on the analyst wire since 2026-08-13: 5 target changes. Analyst wire → · Earnings wire →

Dividends and capital return trailing yield 1.32%, quarterly · buybacks 133 m USD in FY2025

Dividends and capital return

What UMBF pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 1.79 USD per share · a 1.32% yield on the 2026-11-10 close 4 distributions, paid quarterly 2026-11-10
  • Change on the year +49.2% against the prior twelve months prior twelve months 1.20 USD per share
  • Last distribution 0.50 USD per share as the price series records it, within days of the ex-date 2026-09-10
  • By calendar year 2025: 1.63 USD (partial) · 2026: 1.36 USD to date first distribution recorded in the three-year window: 2025-03-10
  • Dividends paid, FY2025 136 m USD 13% of earnings
  • Buybacks, FY2025 133 m USD 1.3% of today's market value
  • Share count +55.9% in FY2025 38 m USD of stock-based compensation in the year
  • Capital returned 268 m USD · 27% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-11

Quick answers

What is UMB Financial Corporation (UMBF)?

UMB Financial Corporation trades as UMBF on the US exchange (US) and is classified under Financial Services in the Closelooknet research universe, as of the registry build of 2026-11-11.

Is UMBF in a Closelooknet index?

Not currently — UMB Financial Corporation is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-11.

What is UMB Financial Corporation's Closelooknet composite score?

56 out of 100, with momentum 57, quality 65 and valuation 66 sub-scores, as of 2026-11-11. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does UMBF trade against its moving averages?

UMB Financial Corporation trades 1.0% above its 50-day and 3.3% above its 200-day moving average (1.3% above its 20-day). As of 2026-11-10 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does UMB Financial Corporation compare with its peers?

Against its peer group (Banks - Regional · US), UMB Financial Corporation (UMBF) sits 11.4% below its 52-week high, 1.0% above its 50-day average; Preferred Bank (PFBC) is 6.2% below, Shore Bancshares Inc (SHBI) is 7.6% below, Credicorp Ltd (BAP) is 11.0% below, as of 2026-11-10. Put any of them next to UMBF in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does UMB Financial Corporation trade when bond yields rise?

Over the past year UMB Financial Corporation had a beta of 0.46 to TLT, the long-dated Treasury fund — it tends to move with bonds, higher than 35% of US names. On the 10 sessions in which long bonds fell most it moved +0.04% on average, against −0.72% for the S&P 500. As of 2026-11-10; The "How it trades on rate days" block on this page carries the lines.

What does UMB Financial Corporation do?

UMB Financial is a bank holding company that offers banking and asset-servicing work across the United States and abroad. It runs three segments: Commercial Banking, which lends to businesses and manages treasury services; Institutional Banking, which handles fund administration, custody and healthcare payment services for institutional clients; and Personal Banking, which covers deposits, mortgages, cards and wealth management for individuals. It is based in Kansas City. Closelooknet's peer group draws on scored Financial Services names from the US: Futu Holdings, Grupo Cibest, PJT Partners, Sumitomo Mitsui Financial Group, Mizuho Financial Group, Brookfield Asset Management, Credicorp and TPG. The market also names PNC Financial Services as a comparable US regional bank. (Company snapshot of 2026-09-17.)

Where does UMB Financial Corporation sit in the AI build-out?

UMB Financial carries no seat in Rubin, our AI build-out index, or in Halo; it sits instead in the diary's Financial Services sleeve, US regional banks. That sleeve tracks lenders and asset servicers whose business runs on deposit funding and credit cycles rather than compute demand. It carries a Closelooknet score, our multi-module read of a company, with valuation the strongest module and quality the weakest. It holds no seat in Rubin or Halo and has not yet been quoted in the diary's editions. (Company snapshot of 2026-09-17.)

Does UMB Financial Corporation pay a dividend?

UMB Financial Corporation has paid 1.79 USD per share over the last twelve months, paid quarterly, a trailing yield of 1.32% on the 2026-11-10 close; the last distribution recorded in the price series was 0.50 USD on 2026-09-10. In fiscal 2025 the company paid 136 m USD in dividends and bought back 133 m USD of its own shares, 27% of that year’s free cash flow. The share count rose 55.9% over the fiscal year. As of 2026-11-10; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on UMB Financial Corporation recently?

The most recent analyst action on UMB Financial Corporation on the Closelooknet wire is a price target by RBC Capital on 2026-10-09 (target 168 from 170). 5 actions on the analyst wire since 2026-08-13: 5 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for UMBF, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.