UMBF
UMB FinancialBNasdaq / Banks
Last Price
At close
2026-07-18
Current thesis
Post-earnings evidence tilts constructive: checked company materials show a clear quarter with operating EPS of $3.41, strong linked-quarter loan growth, better deposit mix, improved efficiency and low net charge-offs. Trusted market coverage available on April 29 indicated EPS and revenue came in above consensus, supporting the deterministic positive prior.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.3.
What can break
Management said prolonged inflation, high interest rates and Middle East-related geopolitical stress could still create macro risk for borrowers and balance-sheet trends.
Momentum
68
Value
51
Sentiment
48
Setup hits (3d)
— · Net —
AI TargetsBase $138.00 · Bull $148.00 · Bear $112.00
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net —
Target $156.79
Why
Momentum68 · Δ7d -6.4
Value51 · Δ7d +0.3
Sentiment48 · Δ7d -4.1
So what
Strength-led posture. Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
68
26% active weight
Current posture
7d trendFlat
Δ7d
-6.4
Δ21d
-0.6
Value
51
39% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+0.2
Sentiment
48
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.1
Δ21d
-2.5
Why this grade
Composite grade B. Momentum 68.0 / Value 51.0 / Sentiment 47.6
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$11.09B
Beta
0.79
Shares Out
75.98M
P/E (TTM)
13.6
P/S (TTM)
3.84
P/FCF (TTM)
13.16
Rev YoY
+17.9%
EPS YoY
+176.3%
Gross Margin
-
Op Margin
+31.7%
Net Debt
-$3.9B
Current Ratio
0.41
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology