UMB Financial (NASDAQ:UMBF) Stock Gets Price Target Reduction from Citigroup

UMB Financial (NASDAQ:UMBF) had its price objective reduced by Citigroup from $162.00 to $145.00 in a research report report published on Thursday morning,Benzinga reports. They currently have a neutral rating on the bank’s stock.

A number of other brokerages also recently weighed in on UMBF. JPMorgan Chase & Co. decreased their target price on shares of UMB Financial from $180.00 to $160.00 and set an “overweight” rating for the company in a research note on Thursday, October 1st. UBS Group initiated coverage on UMB Financial in a research note on Monday, September 14th. They issued a “neutral” rating and a $155.00 price target on the stock. Barclays restated an “overweight” rating and issued a $175.00 price target (up from $170.00) on shares of UMB Financial in a research note on Monday, August 3rd. Weiss Ratings reaffirmed a “buy (b)” rating on shares of UMB Financial in a research report on Thursday, October 22nd. Finally, Raymond James Financial started coverage on UMB Financial in a research note on Thursday, August 27th. They set an “outperform” rating and a $165.00 price objective for the company. One research analyst has rated the stock with a Strong Buy rating, eleven have issued a Buy rating and four have issued a Hold rating to the company’s stock. According to MarketBeat, the company presently has an average rating of “Moderate Buy” and an average price target of $160.93.

UMB Financial Price Performance

UMB Financial stock opened at $134.47 on Thursday. The stock has a market cap of $10.21 billion, a price-to-earnings ratio of 10.18, a PEG ratio of 0.62 and a beta of 0.82. The company has a quick ratio of 0.76, a current ratio of 0.76 and a debt-to-equity ratio of 0.04. The business has a 50-day simple moving average of $135.72 and a 200 day simple moving average of $131.20. UMB Financial has a 52 week low of $68.92 and a 52 week high of $144.36.

UMB Financial (NASDAQ:UMBF) last posted its quarterly earnings results on Tuesday, October 27th. The bank reported $3.56 EPS for the quarter, topping the consensus estimate of $3.22 by $0.34. The firm had revenue of $772.39 million for the quarter, compared to the consensus estimate of $744.81 million. UMB Financial had a net margin of 23.45% and a return on equity of 14.07%. The business’s revenue was up 13.9% compared to the same quarter last year. During the same period last year, the firm posted $2.70 earnings per share. On average, research analysts forecast that UMB Financial will post 13.79 earnings per share for the current fiscal year.

UMB Financial Dividend Announcement

The company also recently disclosed a quarterly dividend, which will be paid on Monday, January 4th. Shareholders of record on Thursday, December 10th will be paid a $0.50 dividend. The ex-dividend date of this dividend is Thursday, December 10th. This represents a $2.00 dividend on an annualized basis and a yield of 1.5%. UMB Financial’s payout ratio is presently 15.14%.

Insider Buying and Selling at UMB Financial

In related news, insider Phillip Mason sold 800 shares of the business’s stock in a transaction on Tuesday, August 4th. The shares were sold at an average price of $147.00, for a total value of $117,600.00. Following the sale, the insider owned 8,894 shares in the company, valued at approximately $1,307,418. The trade was a 8.25% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, Director Susan G. Murphy sold 1,377 shares of the company’s stock in a transaction on Thursday, August 6th. The shares were sold at an average price of $145.55, for a total transaction of $200,422.35. Following the sale, the director directly owned 10,635 shares in the company, valued at approximately $1,547,924.25. The trade was a 11.46% decrease in their position. The SEC filing for this sale provides additional information. Over the last ninety days, insiders sold 23,954 shares of company stock worth $3,542,458. Company insiders own 5.33% of the company’s stock.

Hedge Funds Weigh In On UMB Financial

Institutional investors and hedge funds have recently made changes to their positions in the business. BlackRock Inc. acquired a new stake in shares of UMB Financial during the 2nd quarter worth $1,458,386,000. Bank of America Corp DE purchased a new position in shares of UMB Financial in the 2nd quarter worth $129,153,000. Bank of New York Mellon Corp purchased a new position in shares of UMB Financial in the 2nd quarter worth $78,410,000. Junto Capital Management LP acquired a new position in UMB Financial in the second quarter valued at $58,924,000. Finally, Neumeier Poma Investment Counsel LLC acquired a new position in UMB Financial in the second quarter valued at $58,645,380. 87.78% of the stock is owned by hedge funds and other institutional investors.

Key Stories Impacting UMB Financial

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

• Positive Sentiment: TD Cowen maintained its Buy rating on UMB Financial, reinforcing the view that the stock’s earnings growth and strategic expansion justify additional upside. TD Cowen Reaffirms Their Buy Rating on UMB Financial
• Positive Sentiment: UMB Financial’s third-quarter performance showed continued growth: earnings per share exceeded analyst expectations, revenue increased 13.9% year over year, and EPS rose from $2.70 to $3.56. The earnings call also highlighted growth and expansion initiatives. UMB Financial 2026 Q3 Results
• Positive Sentiment: The company agreed to acquire El Dorado Savings Bank for approximately $506 million, giving UMB Financial entry into California and Nevada. The transaction is targeted to close in the first quarter of 2027 and could expand its geographic footprint and customer base. UMB Financial El Dorado Savings Bank Deal
• Positive Sentiment: Zacks characterized UMB Financial as both a strong momentum and value stock, potentially attracting investors seeking earnings growth at a comparatively reasonable valuation. Why UMB Financial Is a Strong Momentum Stock
• Neutral Sentiment: UMB Financial announced management changes, including a refocusing of Chief Risk Officer Shannon A. Johnson’s responsibilities. The changes may improve organizational focus, but their financial effect is not yet clear. UMB Financial Refocuses Chief Risk Officer Responsibilities
• Negative Sentiment: Citigroup lowered its price target from $162 to $145 and shifted to a Neutral rating. Although the revised target still implies upside, the downgrade signals reduced near-term conviction and may weigh on sentiment. Citigroup UMB Financial Rating
• Negative Sentiment: Director Kevin Gallagher sold 370 shares for approximately $49,883, reducing his holdings by 3.12%. The relatively small transaction is not necessarily a fundamental warning, but insider selling can add short-term caution. SEC Insider Sale Filing
• Negative Sentiment: Management expects fourth-quarter operating expenses of $400 million to $405 million while advancing the El Dorado transaction. Elevated expenses and acquisition-related costs could pressure near-term profitability before potential strategic benefits emerge. UMB Financial Fourth-Quarter Expense Outlook

About UMB Financial

UMB Financial Corporation is a financial holding company headquartered in Kansas City, Missouri. Its principal subsidiary, UMB Bank, provides banking and financial services to individuals, businesses, institutions and government entities. The company serves customers through banking offices and digital channels across the Midwest and other U.S. markets.

UMB Bank offers commercial and personal banking products, including deposit accounts, loans, treasury management, payment services and credit solutions.