UMB Financial (UMBF) stock

Banking services , market cap $10B

Banking services

Market cap $10B

$137.46

+2.22%

As of Monday's close · Live for Pro members at the open

Quality Score

Average

In its industry

#55of 167

Banks

Checks firing

3of 14

Transition

From 52-week high

-10.3%

Above the 200-day

UMBF's Quality Score rose 1 point on Mon, Nov 2, to 10. Its high and its low were both higher than the day before.

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Key facts on UMBF

Key facts on UMBF
The company	Profit up 78% to $943M
Latest filing	8-K, Oct 29 Reported a change of officers or directors

1 more reason behind UMBF's 10, free with an account →2 more reasons behind UMBF's 10, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.32 pt0.00 ptMon Nov 2in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Mon Nov 2. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

What's next

Thu Dec 10: Ex-dividend, $0.50 a shareAt the open. Pays Jan 4.

UMBF catalysts

Coming up

After its last 4 reports it closed +0.2% on average, higher 1 of 4 times.

3 past catalysts since 2024, with sizes and sources, for Pro members.Get in free →

Why UMBF scores 10

Averagefor quality, not price, 3 of 14 chart checks firingWhat the Quality Score means

+3Chart checks 3 of 14 firing right now, one point each
+2Long-term trend above a rising 200-⁠day average

Size adds
Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

No effect today: Run-up, Dilution, Volatility, Cash flow, Persistence, News, and Insider trades.

What every line is worth, and the reason behind it, on UMBF and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:53 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-⁠scored stocks returned 2.2x the average stock over the next month. How we tested it

Alert me when UMBF's Quality Score turns up

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Here is what Pro members see.

The same page for Pro members, on AMD
Its Quality Score and rank, the line that drives it, and the live price.
The full chart
A year of candles to start, out to the whole history, with insider trades marked and the Quality Score under the price.
Every line of the score
Price action, the company, and signals, each with its points, on UMBF and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
Earnings, week by week
Who reports each day, and how each stock took its last four reports.
FDA dates, counted down
Each date in the company's words, its cash against the date, and an optional alert before it.
The market map
Every stock a box, colored by its Quality Score.
Themes, ranked live
Each theme's stocks ranked by Quality Score, live. Here, AI chips.
The top 10, every day
The ten highest Quality Scores at each close, kept day by day, week by week.
Optional alerts, your way
Pick a stock, a score, a price, a filing, or a whole scan. It tells you by push or email.
Your watchlist, scored
Your stocks by Quality Score, today's move, or name.
On your phone and your laptop
The same account and watchlist on both, each laid out for its screen.

Prices refresh every 2.5 seconds during market hours.
Optional alerts by push, email, or the bell.
Add it to your Home Screen and it opens like an app.

UMBF has 3 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on UMBF, and all 14 on every stock.Get in free →

UMBF RSI today: 58.2, above its 50-day and 200-day averages

Not scored

Not in the Quality Score: over 20 years of tests, 2006 to 2026, they added no edge.

RSI 1458.2
Above 50, below 70.
MACD (12, 26, 9)Above signal
Crossed above its signal line 16 sessions ago.
50-day average$135.56
The price is 1.4% above it.
200-day average$131.37
The price is 4.6% above it.
50/200 crossGolden cross
The 50-day crossed above the 200-day on Aug 25, 2025.
ADX 1419.4
Under 25, with +DI above -DI.
Support$137.23
Swing low from Jul 23, 0.2% below the price.
Resistance$146.90
Swing high from Jul 7, 6.9% above the price.
52-week high$153.32
From Aug 17, 11.5% above the price.
52-week low$103.38
From Nov 18, 2025, 24.8% below the price.
Chart patternNone
No triangle, channel, or wedge in the last year.
Bollinger Bands (20, 2)Inside
The bands run from $127.22 to $137.57.
Volume1.2x
Against its 20-day average, for the time of day.

The deep dive on UMBF

What it does and how it makes money1 findingFor Pro members1 finding on what UMBF does and how it makes money, for Pro members
Who holds and trades it2 findingsInsiders bought $135K and sold $4.71M of shares on the open market in 90 days; the largest, CEO J. Mariner Kemper, sold $2.24M on Aug 4, 2026.Form 4, filed Aug 6, 2026

2 more findings on UMBF, each with its source, for Pro membersGet in free →

How UMBF ranks in Banks

UMBF is #55 of 167 by Quality Score.

How UMBF ranks in Banks
1	EBCEastern Bankshares	9/14	18
2	CBCCentral Bancompany	9/14	17
3	AMTBAmerant Bancorp	8/14	17
	UBSIUnited Bankshares		Open for its score
	UCBUnited Community Banks		Open for its score
	USBU.S. Bancorp		Open for its score
	VLYValley National Bancorp		Open for its score
55	UMBFUMB Financial	3/14	10

When does UMBF report earnings, and what happens after?

Expected to report Tue Jan 26, after the close (in 85 days). Expected.

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

-0.9%+3.0%-1.1%

Apr 28Jul 28Oct 27

Reported	When	Gap	Reaction	5 sessions
Oct 27, 2026After close	After close	0.0%	-1.1%	open
Jul 28, 2026After close	After close	+1.6%	+3.0%	+3.0%
Apr 28, 2026After close	After close	+1.9%	-0.9%	+4.6%

UMBF closed higher after 1 of its last 4 reports.

All 4 reports, and UMBF's Quality Score going into each

Is UMBF's dividend covered? What its financials say

Its dividends come to 15% of its free cash flow.

UMBF's dividend against its free cash flow
Dividend	$2.00 a share a year Paid 4 times a year
Paid out	About $153M a year $2.00 a share on 76.4M shares, its average count in the quarter to Jun 30, 2026
Free cash flow	$1B The last four quarters, to Jun 30, 2026
Record	Raised each of the last 4 years Against the payout a year before, each year

Insiders trading UMBF

UMBF insider trades

2 insiders bought $135K across 2 filings, and 11 insiders sold $6.9M across 18 filings, in the last 6 months. The newest:

SellKevin Charles Gallagher$50KDirectorat $134.82 on Oct 30, filed Oct 30

SellKevin Charles GallagherDirector$50Kat $134.82 on Oct 30, filed Oct 30

All 20 insider filings on UMBF from the last six months, for Pro members.Get in free →

All UMBF insider trades

UMBF's officers and directors

Officers and directors with a Form 4 in the last 12 months.

J. Mariner KemperChairman and CEO · 6 trades
James D. RinePresident · 2 trades
James D. RinePresident · 1 trade
Ram ShankarChief Financial Officer · 1 trade
Nikki Farentino NewtonPresident, Private Wealth Mgmt · 3 trades
David Carl OdgersChief Accounting Officer · 1 trade
Phillip James MasonPresident, Inst. Banking · 1 trade
Robert Brian BeairdChief Human Resource Officer · 1 trade

21 more officers and directors file at UMBF. Each page above names the rest.

See insider trades by person

Which ETFs hold UMBF?

In ETFs: UMBF is under 0.1% of VIG, under 0.1% of VYM, and under 0.1% of DGRO, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.

About UMB Financial

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.

5,222 employeesKansas City, MOumb.com

UMBF's score card

UMB Financial (UMBF): Quality Score 10, Average, #55 of 167 in Banks, with its price, on Breakaway — The picture a link to this page shows when it is shared.

Pro members see every line of every stock's score.

What would move UMBF's score: 4 things
3 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawaySep 3Greg M. Graves bought UMBF$80K at $139.60, filed Sep 3

Alerts are optional.

See UMBF's 14 chart checks

See it live, free until Wednesday morning. No account. No card. Then keep going with a free account.

Straight Answers

As of Nov 2, 2026: UMBF's Quality Score is 10 (Average), #55 of 167 in Banks. Insiders bought $135K and sold $6.9M in the last 6 months (Form 4).

Is UMBF a good stock to buy? What its Quality Score says

UMBF scores 10 today, which Breakaway calls Average. It is #55 of 167 in Banks by Quality Score, with 3 of 14 chart checks firing. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is UMBF's Quality Score?

UMBF scores 10 today, which Breakaway calls Average (6 to 10). That is #55 of 167 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind UMBF's 10.

Are insiders buying UMBF?

2 insiders bought $135K across 2 filings, and 11 insiders sold $6.9M across 18 filings, in the last 6 months. The newest is Kevin Charles Gallagher, Director, who sold $50K on Oct 30. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.