NASDAQ · STOCK
UMB Financial Corp.
$143.80
52W $103.38 – $148.31
66/100
—
12.7
0.78
Explore UMBF Further
Is UMBF Bullish or Bearish?
Bullish.
Innellis AI committee rates UMB Financial Corp. (UMBF) Buy with a composite score of 66/100
, based on 6 analysts with 67% agreement.
Last updated July 20, 2026.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Higher Highs / Higher Lows structure confirms bullish price action.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.302) — bearish momentum.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
66/100
Agreement
67%
Analysts
6
Conviction
Contested
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.5 is inexpensive for the broad market
Growth Analyst
bullish
85
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 72.2% YoY -- genuine top-line momentum
Technical Analyst
neutral
57
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
61
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 65.7 to 65.7.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
52.8
Neutral
MACD Histogram
-0.302
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.60
Inside Bands
Price vs Moving Averages
EMA 9
$144.79
Below
EMA 21
$142.40
Above
EMA 50
$136.79
Above
EMA 200
$124.57
Above
Fundamental Analysis
Valuation
100
Growth
78
Profitability
0
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
12.7×
P/B Ratio
1.41×
PEG Ratio
0.31
Dividend Yield
0.01%
52W High
$148.31
52W Low
$103.38
Quality & Growth
ROE
9.1%
ROA
1.0%
Gross Margin
56.7%
Operating Margin
20.9%
Revenue Growth YoY
—
Debt / Equity
0.51
AI Fundamental Assessment
P/E ratio of 12.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 0.21 (tight short-term liquidity); Debt-to-equity of 0.51; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (12.89); Most recent quarter beat estimates by 17.3%; 2 consecutive earnings beats; EPS growth accelerating (+16.1% -> +22.3% QoQ); Analyst estimates rising over recent quarters
Key Risks
- MACD histogram is negative (-0.302) — bearish momentum.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
Get the Full UMBF Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →
Mobile