Across the recent three months, 10 analysts have shared their insights on UMB Financial (NASDAQ:UMBF), expressing a variety of opinions spanning from bullish to bearish.

The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.

	Bullish	Somewhat Bullish	Indifferent	Somewhat Bearish	Bearish
Total Ratings	3	4	3	0	0
Last 30D	1	0	0	0	0
1M Ago	0	0	0	0	0
2M Ago	2	2	3	0	0
3M Ago	0	2	0	0	0

Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $135.0, with a high estimate of $150.00 and a low estimate of $120.00. Marking an increase of 6.13%, the current average surpasses the previous average price target of $127.20.

Analyzing Analyst Ratings: A Detailed Breakdown

The standing of UMB Financial among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Analyst	Analyst Firm	Action Taken	Rating	Current Price Target	Prior Price Target
Brian Foran	Truist Securities	Raises	Buy	$144.00	$130.00
Timur Braziler	Wells Fargo	Raises	Equal-Weight	$125.00	$120.00
Jared Shaw	Barclays	Raises	Overweight	$150.00	$140.00
Jon Arfstrom	RBC Capital	Raises	Sector Perform	$122.00	$115.00
David Long	Raymond James	Raises	Strong Buy	$138.00	$135.00
Nathan Race	Piper Sandler	Raises	Overweight	$148.00	$135.00
Brian Foran	Truist Securities	Raises	Buy	$128.00	$120.00
Timur Braziler	Wells Fargo	Raises	Equal-Weight	$120.00	$110.00
Jared Shaw	Barclays	Raises	Overweight	$140.00	$130.00
Nathan Race	Piper Sandler	Lowers	Overweight	$135.00	$137.00

Key Insights:

• Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to UMB Financial. This information provides a snapshot of how analysts perceive the current state of the company.
• Rating: Analyzing trends, analysts offer qualitative evaluations, ranging from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of UMB Financial compared to the broader market.
• Price Targets: Analysts navigate through adjustments in price targets, providing estimates for UMB Financial's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.

To gain a panoramic view of UMB Financial's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.

Stay up to date on UMB Financial analyst ratings.

Delving into UMB Financial's Background

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.

A Deep Dive into UMB Financial's Financials

Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.

Revenue Growth: UMB Financial's remarkable performance in 3M is evident. As of 30 June, 2025, the company achieved an impressive revenue growth rate of 81.69%. This signifies a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.

Net Margin: UMB Financial's net margin is impressive, surpassing industry averages. With a net margin of 34.01%, the company demonstrates strong profitability and effective cost management.

Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 3.19%, the company showcases effective utilization of equity capital.

Return on Assets (ROA): The company's ROA is a standout performer, exceeding industry averages. With an impressive ROA of 0.31%, the company showcases effective utilization of assets.

Debt Management: UMB Financial's debt-to-equity ratio is below the industry average at 0.06, reflecting a lower dependency on debt financing and a more conservative financial approach.

What Are Analyst Ratings?

Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.

Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.

If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in Benzinga Pro.

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This article was generated by Benzinga's automated content engine and reviewed by an editor.