Umb Financial Stock Net Income
| UMB Stock | EUR 103.00 3.00 2.83% |
As of the 24th of January, UMB Financial owns the downside deviation of 1.75, and Risk Adjusted Performance of 0.0731. In relation to fundamental indicators, the technical analysis model makes it possible for you to check practical technical drivers of UMB Financial, as well as the relationship between them. Please validate UMB Financial coefficient of variation, variance, and the relationship between the downside deviation and standard deviation to decide if UMB Financial is priced more or less accurately, providing market reflects its prevailing price of 103.0 per share.
UMB Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing UMB Financial's valuation are provided below:UMB Financial does not now have any fundamental measures for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. UMB |
UMB Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to UMB Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of UMB Financial.
| 10/26/2025 |
| 01/24/2026 |
If you would invest 0.00 in UMB Financial on October 26, 2025 and sell it all today you would earn a total of 0.00 from holding UMB Financial or generate 0.0% return on investment in UMB Financial over 90 days. UMB Financial is related to or competes with Hyatt Hotels, Knight-Swift Transportation, MHP Hotel, Gaztransport Technigaz, InterContinental, Fukuyama Transporting, and HYATT HOTELS. UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other ... More
UMB Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure UMB Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess UMB Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.75 | |||
| Information Ratio | 0.0492 | |||
| Maximum Drawdown | 7.73 | |||
| Value At Risk | (2.83) | |||
| Potential Upside | 3.21 |
UMB Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for UMB Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as UMB Financial's standard deviation. In reality, there are many statistical measures that can use UMB Financial historical prices to predict the future UMB Financial's volatility.| Risk Adjusted Performance | 0.0731 | |||
| Jensen Alpha | 0.1266 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | 0.0519 | |||
| Treynor Ratio | 0.3348 |
UMB Financial January 24, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
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| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0731 | |||
| Market Risk Adjusted Performance | 0.3448 | |||
| Mean Deviation | 1.4 | |||
| Semi Deviation | 1.35 | |||
| Downside Deviation | 1.75 | |||
| Coefficient Of Variation | 1091.51 | |||
| Standard Deviation | 1.85 | |||
| Variance | 3.41 | |||
| Information Ratio | 0.0492 | |||
| Jensen Alpha | 0.1266 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | 0.0519 | |||
| Treynor Ratio | 0.3348 | |||
| Maximum Drawdown | 7.73 | |||
| Value At Risk | (2.83) | |||
| Potential Upside | 3.21 | |||
| Downside Variance | 3.05 | |||
| Semi Variance | 1.81 | |||
| Expected Short fall | (2.02) | |||
| Skewness | 0.4885 | |||
| Kurtosis | 0.6989 |
UMB Financial Backtested Returns
At this point, UMB Financial is very steady. UMB Financial retains Efficiency (Sharpe Ratio) of 0.0755, which indicates the firm had a 0.0755 % return per unit of volatility over the last 3 months. We have found twenty-nine technical indicators for UMB Financial, which you can use to evaluate the volatility of the company. Please validate UMB Financial's downside deviation of 1.75, and Risk Adjusted Performance of 0.0731 to confirm if the risk estimate we provide is consistent with the expected return of 0.14%. UMB Financial has a performance score of 5 on a scale of 0 to 100. The entity owns a Beta (Systematic Risk) of 0.48, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, UMB Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding UMB Financial is expected to be smaller as well. UMB Financial currently owns a risk of 1.83%. Please validate UMB Financial coefficient of variation, jensen alpha, and the relationship between the downside deviation and standard deviation , to decide if UMB Financial will be following its current price history.
Auto-correlation | 0.22 |
Weak predictability
UMB Financial has weak predictability. Overlapping area represents the amount of predictability between UMB Financial time series from 26th of October 2025 to 10th of December 2025 and 10th of December 2025 to 24th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of UMB Financial price movement. The serial correlation of 0.22 indicates that over 22.0% of current UMB Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.22 | |
| Spearman Rank Test | 0.34 | |
| Residual Average | 0.0 | |
| Price Variance | 4.61 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, UMB Financial reported net income of 431.68 M. This is 66.21% lower than that of the Financial Services sector and about the same as Banks - Regional - US (which currently averages 434.14 M) industry. The net income for all Germany stocks is 24.4% higher than that of the company.
UMB Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses UMB Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of UMB Financial could also be used in its relative valuation, which is a method of valuing UMB Financial by comparing valuation metrics of similar companies.UMB Financial is currently under evaluation in net income category among its peers.
UMB Fundamentals
| Return On Equity | 0.15 | |||
| Return On Asset | 0.0106 | |||
| Profit Margin | 0.30 % | |||
| Operating Margin | 0.39 % | |||
| Current Valuation | 5.44 B | |||
| Shares Outstanding | 48.32 M | |||
| Shares Owned By Insiders | 9.69 % | |||
| Shares Owned By Institutions | 91.18 % | |||
| Price To Earning | 14.44 X | |||
| Price To Book | 1.61 X | |||
| Price To Sales | 2.57 X | |||
| Revenue | 1.36 B | |||
| Gross Profit | 1.43 B | |||
| Net Income | 431.68 M | |||
| Cash And Equivalents | 763.45 M | |||
| Cash Per Share | 15.56 X | |||
| Total Debt | 381.31 M | |||
| Book Value Per Share | 55.20 X | |||
| Cash Flow From Operations | 534.08 M | |||
| Earnings Per Share | 8.37 X | |||
| Target Price | 104.2 | |||
| Number Of Employees | 34 | |||
| Beta | 0.84 | |||
| Market Capitalization | 4.16 B | |||
| Total Asset | 38.51 B | |||
| Z Score | 6.0 | |||
| Annual Yield | 0.02 % | |||
| Five Year Return | 1.32 % | |||
| Net Asset | 38.51 B | |||
| Last Dividend Paid | 1.49 |
About UMB Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze UMB Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of UMB Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of UMB Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Information and Resources on Investing in UMB Stock
When determining whether UMB Financial is a strong investment it is important to analyze UMB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact UMB Financial's future performance. For an informed investment choice regarding UMB Stock, refer to the following important reports:Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in employment. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.You can also try the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.