UMBFO | Ticker Profile - Titan Protect

UMBFO

UMB Financial Corporation

Financial Services · Banks - Regional · NMS

$26.20

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

LIMITED

Data Confidence: 42.9%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

N/A

Total market value of the company

Trailing P/E

N/A

Forward P/E

N/A

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

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About UMB Financial Corporation

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, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

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% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

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

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

1.521

Excellent risk-adjusted returns

Kelly Fraction

0.0940

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

2.314

Returns exceed worst-case losses — strong risk profile

Annual Return

13.5%

Historical annualised return based on price data

Max Drawdown

-5.8%

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

HMM State

BULL

Statistical model sees bullish momentum

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

$28.05

7% below the year high

52W Low

$25.10

4% above the year low

Avg Volume

16,680

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

Short Ratio

1.3

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

Short % Float

N/A

Div Yield

721.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$N/A

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

0.0%

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

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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