Wall Street analyst estimates for UMB Financial Corporation (UMBF): consensus price target, buy/hold/sell recommendations and forecasts for revenue and EPS for the upcoming fiscal years.
UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support.
Consensus price target
$165.00 (+23 % vs price $134.47)
between $147.00 and $182.00 · 10 targets published in the last quarter
Closing price, Oct 30
A twelve-month target is not a fair value: compare it with the range in the Valuation tab.
Revenue and EPS estimates
| Fiscal year | Revenue (average) | Revenue (low – high) | EPS (average) | Analysts |
|---|---|---|---|---|
| 2026E | $3.0B | $3.0B – $3.1B | $13.51 | 10 |
| 2027E | $3.3B | $3.2B – $3.3B | $14.12 | 12 |
| 2028E | $3.5B | $3.3B – $3.7B | $15.49 | 8 |
Figures in USD · consensus as of November 1, 2026
Analyst Consensus
| Strong Buy | 1 |
| Buy | 10 |
| Hold | 8 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 19 |
| Avg rating (−2 sell to +2 buy) | 0.63 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2027-01-26 | $3.29 | ||
| 2026-10-27 | $3.56 | $3.22 | +10.6% |
| 2026-07-28 | $3.57 | $3.08 | +15.9% |
| 2026-04-28 | $3.41 | $2.82 | +20.9% |
| 2026-01-27 | $3.08 | $2.71 | +13.7% |
| 2025-10-28 | $2.70 | $2.50 | +8.0% |
| 2025-07-29 | $2.96 | $2.37 | +24.9% |
| 2025-04-29 | $2.58 | $2.19 | +17.8% |
Valuation Ratios
| P/E Ratio | 10.18 |
| Price / Book | 1.30 |
| EV / EBITDA | 5.56 |
| Dividend Yield | 1.33% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $868.8M | $978.7M | $1.07B | $1.22B | $1.30B | $1.24B | $1.58B | $2.24B | $2.64B | $4.44B |
| Cost of Revenue | $60.2M | $99.0M | $192.3M | $224.8M | $207.8M | $66.0M | $261.6M | $959.8M | $1.23B | $2.03B |
| Gross Profit | $808.6M | $879.7M | $876.9M | $994.9M | $1.09B | $1.18B | $1.32B | $1.28B | $1.41B | $2.42B |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $444.0M | $468.0M | $472.3M | $517.9M | $536.0M | $523.0M | $550.1M | $579.2M | $622.4M | $1.14B |
| Operating Expenses | $610.0M | $643.3M | $653.3M | $708.9M | $748.8M | $746.9M | $789.5M | $863.1M | $864.5M | $1.52B |
| Operating Income | $198.6M | $236.3M | $223.6M | $286.0M | $338.9M | $429.1M | $532.0M | $421.6M | $541.3M | $900.0M |
| EBITDA | $253.1M | $291.2M | $276.7M | $342.2M | $401.7M | $484.8M | $586.0M | $480.3M | $594.0M | $1.04B |
| Interest Expense | $27.7M | $58.0M | $121.5M | $192.0M | $77.3M | $46.0M | $223.7M | $918.6M | $1.17B | $1.49B |
| Pre-tax Income | $198.6M | $236.3M | $223.6M | $286.0M | $338.9M | $429.1M | $532.0M | $421.6M | $541.3M | $875.0M |
| Income Tax | $45.0M | $53.4M | $27.3M | $42.4M | $52.4M | $76.0M | $100.3M | $71.6M | $100.0M | $172.6M |
| Net Income | $158.8M | $247.1M | $195.5M | $243.6M | $286.5M | $353.0M | $431.7M | $350.0M | $441.2M | $702.4M |
| EPS | $3.25 | $5.02 | $3.96 | $4.99 | $5.95 | $7.31 | $8.93 | $7.22 | $9.05 | $9.20 |
| EPS (Diluted) | $3.22 | $4.96 | $3.93 | $4.96 | $5.93 | $7.24 | $8.86 | $7.18 | $8.99 | $9.13 |
| Shares Outstanding (Diluted) | 49.3 M | 49.8 M | 49.8 M | 49.1 M | 48.3 M | 48.7 M | 48.7 M | 48.8 M | 49.1 M | 76.5 M |
Price
| Price | $134.47 (closing price, October 30, 2026) |
| Market Cap | $10.2B |
| Exchange | NASDAQ |
| Country | US |
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Explore sector: Financial Services · Banks - Regional
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