UMB Financial Corp (UMBF) — Titan Protect Analysis

UMBF

UMB Financial Corp

Financial · ·

$129.92

Data: 2026-06-03

✗ ETHICAL FAIL

WEAK MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$9.6B

Total market value of the company

Trailing P/E

11.02

Reasonably valued

Forward P/E

9.21

Based on estimated future earnings — lower means cheaper

Rev Growth

+49.0%

Year-over-year revenue change

Profit Margin

32.3%

How much profit the company keeps from each dollar of revenue

ROE

12.1%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$147.50

+14% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 12 analysts covering this stock

About UMB Financial Corp

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezza

https://www.umb.com

Country: United States Employees: 5,222 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.956

Good returns relative to risk taken

Kelly Fraction

0.0746

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.891

Acceptable balance between returns and drawdown risk

Annual Return

28.4%

Historical annualised return based on price data

Max Drawdown

-31.8%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.79

Less volatile than the market — more defensive

52W High

$136.11

5% below the year high

52W Low

$98.16

32% above the year low

Avg Volume

646,993

Average daily shares traded — higher means easier to buy and sell

Short Ratio

4.8

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

133.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$11.44

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

51.0%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$2.7B

Total revenue over the last 12 months

Net Income

$861M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$170.00

Target Median

$147.50

Target Low

$130.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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