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Intrinsic Value

Is UMBF undervalued or overvalued?

See the intrinsic value estimate for UMB Financial Corp and find out whether today’s valuation is cheap or expensive by its own historical standards.

Do our valuations actually work? See backtest results .

UMBF Intrinsic Value
LOCKED
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Today vs. history

UMBF looks undervalued.
But is it cheap by its own standards?

See how today’s valuation compares with UMBF’s past valuations and how the stock performed after similar periods.

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Intrinsic Value Locked
Current Price $132.85
Margin of Safety 20% Locked
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Fundamental Analysis

What UMB Financial Does

Banking Financials

UMB Financial Corp is a bank holding company that makes money in three main ways: taking deposits, making loans, and charging fees for banking and financial services. Through its bank and related businesses, it serves people, small and mid-sized businesses, and larger institutional clients that need cash management, lending, and treasury services.

Headquarters
United States of America US
Employees
5 222
IPO date
Mar 17, 1980
Read the full company overview
View Company Overview

UMB Financial has no economic moat

No Moat Narrow Wide

Customers can compare banking providers and take their deposits, borrowing, or payment business to rivals offering better terms or convenience. UMB’s customer base and geographic reach do not make its services uniquely valuable or establish a protected pricing or cost edge.

Read the full moat analysis

Latest Earnings Call

Q2 2026 · July 29, 2026

Open the earnings call
EPS
$3.57
Expected
$3.08
Surprise
+15.9%
Stock, day of the call
+3.0%
View Earnings Call
Financials
Efficiency

Wall St Price Targets

Capital Returns

Buyback Yield
LOCKED

Competitive Landscape

Ownership

UMBF Insider Trading
Buy and sell transactions by insiders

What is the Intrinsic Value of one UMBF stock?

The intrinsic value for UMB Financial Corp (UMBF) under the Base Case is hidden USD.

Is UMBF stock undervalued or overvalued?

Compared with the current market price of 132.85 USD, the stock appears hidden.

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