UMB Financial Corp ADR (UMBFO)


UMB Financial Corp ADR is a U.S.-listed depositary receipt tied to UMB Financial Corporation, a bank holding company headquartered in Kansas City, Missouri. The underlying business provides banking services and asset servicing in the United States and internationally. Its operations are organized into Commercial Banking, Institutional Banking, and Personal Banking. Commercial Banking includes commercial lending, commercial real estate financing, letters of credit, loan syndication, treasury management, and other business banking solutions. Institutional Banking serves institutional clients with fund administration, investor services, custody, corporate trust, escrow, fixed income activities, and healthcare payment solutions. Personal Banking covers deposit accounts, retail credit cards, mortgages, home equity lending, private banking, brokerage, insurance, and advisory and trust services. The company was founded in 1913 and operates through a network of branches and offices.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-UMBF.O
$31.45
19.1% Upside
Undervalued
Great
1.94
7.3%
July 28, 2026
12.6x
1.4x
4.0x
10.983 B
27.0%
95.1%
-1.5
16.4%
113.9%
Valuation • Fair Value

UMB Financial Corp ADR (NASDAQ-UMBF.O) Fair Value by Valuation Model

Compare the primary fair value estimate for UMB Financial Corp ADR (NASDAQ-UMBF.O) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$31.45

Estimated upside of 19.1% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$29.51

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$31.45

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for UMB Financial Corp ADR (NASDAQ-UMBF.O) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for UMB Financial Corp ADR (NASDAQ-UMBF.O)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

2.732 B

Current operating scale indicator.

Revenue Forecast

2.966 B

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review UMB Financial Corp ADR (NASDAQ-UMBF.O) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for UMB Financial Corp ADR (NASDAQ-UMBF.O)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.5

Lower score that deserves closer risk review.

FCF / Net Income

113.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for UMB Financial Corp ADR (NASDAQ-UMBF.O). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for UMB Financial Corp ADR (NASDAQ-UMBF.O)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 28, 2026

Days to Earnings

7

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

7.3%

Income yield reference.

Upcoming Dividend

1.94

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

16.4%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for UMB Financial Corp ADR (NASDAQ-UMBF.O), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

UMB Financial Corp ADR (NASDAQ-UMBF.O) Stock Forecast & Technical Outlook

Review UMB Financial Corp ADR (NASDAQ-UMBF.O) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for UMB Financial Corp ADR (NASDAQ-UMBF.O) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for UMB Financial Corp ADR (NASDAQ-UMBF.O) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Buy

The daily technical read for UMB Financial Corp ADR (NASDAQ-UMBF.O) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Neutral

The weekly technical read for UMB Financial Corp ADR (NASDAQ-UMBF.O) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Buy

The monthly technical read for UMB Financial Corp ADR (NASDAQ-UMBF.O) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for UMB Financial Corp ADR (NASDAQ-UMBF.O)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for UMB Financial Corp ADR (NASDAQ-UMBF.O) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ Fast Investor Answers

UMB Financial Corp ADR (NASDAQ-UMBF.O) Stock FAQ

Quick answers about UMB Financial Corp ADR (NASDAQ-UMBF.O) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$31.45
Estimated upside 19.1%
Valuation Rating
Undervalued
Estimated upside of 19.1%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Great
Current financial-health read

The current fair value estimate for UMB Financial Corp ADR (NASDAQ-UMBF.O) is $31.45. This implies an estimated upside of 19.1% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 19.1% versus the current market price.

An analyst price target for UMB Financial Corp ADR (NASDAQ-UMBF.O) is not currently available in the latest data file.

The current financial health read for UMB Financial Corp ADR (NASDAQ-UMBF.O) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for UMB Financial Corp ADR (NASDAQ-UMBF.O) is July 28, 2026.

Based on the current data, dividend yield is 7.3%, upcoming dividend amount is 1.94.

The current P/E ratio listed for UMB Financial Corp ADR (NASDAQ-UMBF.O) is 12.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for UMB Financial Corp ADR is 10.983 B.

The ticker symbol for UMB Financial Corp ADR is NASDAQ-UMBF.O, and the stock is listed on NASDAQ.

UMB Financial Corp ADR (NASDAQ-UMBF.O) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for UMB Financial Corp ADR is 27.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for UMB Financial Corp ADR is 95.1%. Free float helps investors understand how much of the share base is available for public trading.