Stock fact sheet · data as of
UMB Financial Corporation (UMBF): fair value, margin of safety and Wheel Score
Ticker symbol UMBF · Financial Services · Banks - Regional · United States · Blend
Is UMBF undervalued?
At 138.51 (close of 5 Nov 2026), UMBF trades 35% below the GLS average fair value of 212.60. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns UMB Financial Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 26.34 while Payback Time gives 380.89. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for UMBF, so the nightly engine files it under Blend (value score 66, growth score 70, out of 100).
Nine valuation models for UMBF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 233.90 | +69% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 177.83 | +28% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 304.46 | +120% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 97.92 | -29% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 162.68 | +17% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 378.36 | +173% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 380.89 | +175% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 26.34 | -81% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 151.04 | +9% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -848.53 | -713% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 166.44 | +20% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - UMBF passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.7 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 6.1%, ROE 9.1%, ROA 1.0% - with debt at 0.49 times equity and a free-cash-flow yield of 11.1%.
The dividend yield is 1.29% with a payout ratio of 16% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Other Financial Services 58%, Investment Securities Gains Losses Net 29%, Trading And Investment Banking 13% (quarter Q3 FY2026).
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 6.1% |
|---|---|---|---|
| GLS Moat | 6.7 / 10 | ROE | 9.1% |
| Debt / equity | 0.49 | ROA | 1.0% |
| Free-cash-flow yield | 11.1% | Payout ratio | 16% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 41: Weak
UMBF scores 41 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 1, options that actually trade - options too quiet (397 open interest, 100 a day), and the parts are thin too - value strong, premium fair, moat good, health good, red flags fair, option trading weak, stability good. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 26% on the near-the-money contracts 20-60 days out: enough to pass the 25-80% Wheel Trade Filter, but under the 35-60% sweet spot the score rewards most. Chain open interest is thin - 397 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 581k shares a day on a market cap of $10.5B, with a beta of 0.85; the Stability part of the Wheel Score rates that good.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (397 open interest, 100 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 35% below fair value | |
| Premium | Fair | implied volatility 26% | |
| Moat | Good | moat 6.7/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | Red Flags score 75/100 | |
| Option trading | Weak | 100 contracts a day, 397 open interest | |
| Stability | Good | beta 0.85, $10.5B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 26 Jan 2027, 82 days away - outside the window of a 30-45-day put sold today. The next ex-dividend date is 10 Dec 2026 (0.5000 per share).
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to UMB Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WTFC Wintrust Financial Corporation | 156.12 | 260.57 | +40% | 47Weak | $10.5B |
| SSB SouthState Bank Corp. | 106.65 | 157.73 | +32% | 39Weak | $10.3B |
| BPOP Popular, Inc. | 158.72 | 213.51 | +26% | 80Good | $10.0B |
| CFR Cullen/Frost Bankers, Inc. | 159.69 | 142.02 | -12% | 30Weak | $9.9B |
| BPOPM Popular Capital Trust II PFD GTD 6.125% | 25.18 | 97.27 | +74% | 29No options | $9.8B |
| FHN First Horizon Corporation | 23.74 | 29.56 | +20% | 76Good | $11.2B |
| ONB Old National Bancorp | 25.89 | 44.51 | +42% | 50Fair | $9.8B |
| ONBPP Old National Bancorp | 25.37 | 43.99 | +42% | 34No options | $9.8B |
| ONBPO Old National Bancorp | 25.00 | 43.76 | +43% | 35No options | $9.7B |
| ZION Zions Bancorporation, National Association | 66.63 | 109.29 | +39% | 81Good | $9.7B |
| ZIONP Zions Bancorporation, National Association | 16.45 | 68.28 | +76% | 36No options | $9.3B |
| COLB Columbia Banking System, Inc. | 31.37 | 48.62 | +35% | 70Good | $9.1B |
⚖ Compare UMBF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about UMBF
Is UMBF undervalued right now?
By the GLS models, yes: at 138.51 the stock is 35% below the average fair value of 212.60 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of UMBF and what does it mean?
UMBF scores 41 out of 100 (Weak) - it fails Wheel Trade Filter 1. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for UMBF?
212.60 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does UMB Financial Corporation report earnings next?
The next earnings report is due on 26 Jan 2027, 82 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does UMBF have listed options, and how liquid are they?
Yes. The nightly snapshot found 88 listed contracts with 397 open interest across all expiries and implied volatility of 26% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.