UMBF
UMB Financial Corp.
·
$145.99
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
Terminal终端 ↗
UMB Financial Corp. · Financials
UMBF
$145.99
UMB Financial Corporation is an American financial services company headquartered in Kansas City, Missouri.UMBFinancialCorporation是一家美国金融服务公司，总部位于密苏里州堪萨斯城。
Financial金融股
Large cap大盘
$11B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
Stretched/late — protect gains and don't start new positions; let the next low set up first.已拉伸／晚期——保护利润，不要新开仓；先等下一个低点构筑成形。
Key Statistics关键统计
Price价格
$145.99
1.4% below 52-week high低于52周高点 1.4%
Market Cap市值
$11B
Normal volume正常成交量
P/E Ratio市盈率
15.8x
15.0x sector median
Beta贝塔
0.89
Moves about 0.9x the market波动幅度约为市场的 0.9 倍
RSI (14)RSI（14）
61
Elevated偏高
Next Earnings下次财报
2026-08-04 (16d)
Volatility Rank波动率分位
39th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
5.5% of float
Performance价格表现
| Period周期 | UMBF | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +1.0% | -1.5% | Beat the index by 2.5 points跑赢指数 2.5 个百分点 |
| 1 Month近1月 | +10.1% | +0.6% | Beat the index by 9.5 points跑赢指数 9.5 个百分点 |
| 3 Months近3月 | +18.5% | +4.7% | Beat the index by 13.8 points跑赢指数 13.8 个百分点 |
| 6 Months近6月 | +20.4% | +7.8% | Beat the index by 12.6 points跑赢指数 12.6 个百分点 |
| Year to date年初至今 | +26.2% | +9.1% | Beat the index by 17.1 points跑赢指数 17.1 个百分点 |
| 1 Year近1年 | +35.3% | +19.4% | Beat the index by 15.9 points跑赢指数 15.9 个百分点 |
| 3 Years近3年 | +128.3% | +69.4% | Beat the index by 58.9 points跑赢指数 58.9 个百分点 |
Technicals技术面
RSI (14)RSI（14）
61
Elevated偏高
vs 50-day相对50日均线
+7.9% vs 50-day avg
vs 200-day相对200日均线
+20.3% vs 200-day avg
Volatility rank波动率分位
39th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$143.85
Don't chase above不追高于
$146.00
Stop止损
$132.50
Extended — wait for a pullback过度拉伸 — 等待回撤
Earnings财务业绩
16
days until next report天后公布财报
2026-08-04
Estimates being cut预期下调
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | UMBF | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 15.79x | 14.99 | 45% |
| P/B市净率 | 1.44x | 1.52 | 55% |
| Earnings yield盈利收益率 | 6.33% | 6.58 | 47% |
| Shareholder yield股东收益率 | 0.16% | 3.91 | 3% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Earnings Per Share每股收益
5yr CAGR5年复合增速: 9.4%
Free Cash Flow自由现金流
Margins利润率
9.1%Return on Equity股本回报率
1.0%Return on Assets资产回报率
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $17.6M |
| Stock-based comp股权薪酬 | $37.7M |
| Share count change (1y)股数变化（1年） | +55.6% |
Piotroski皮奥特罗斯基 5/6
Watch关注
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 50% of its sector on blended multiples综合估值倍数低于行业内 50% 的公司
Beta市场敏感度
0.89×
0.21×3×
Moves about 0.9× the market波动幅度约为市场的 0.9 倍
Financial Health财务健康
5/6
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Sector / Theme行业/主题
Regional Banks theme — #4 of 46 themes「区域银行」主题 — 46 个主题中第 4 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Short interest changed +15.0%空头仓位变动 +15.0%
Technical技术面
UMBF made a new 52-week highUMBF 创52周新高
Options Positioning期权持仓
Expected daily move预期日波动
±1.59%
Expected weekly move预期周波动
±3.55%
Call wall看涨密集区
$155
25d risk reversal25d风险逆转
-40.6%
Flow资金流向
$0M premium traded; 0% 0DTE; P/C 0.01成交权利金 $0M；0DTE占0%；看跌看涨比 0.01
Skew: 偏斜：fear
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$4.7M net (2 buyers, 4 sellers)-$4.7M 净值（2 买家，4 卖家）
| Fund基金 | Grade评级 | Activity动作 | % of portfolio组合占比 | As of截至 |
|---|---|---|---|---|
| Basswood Capital Management | B | exitexit | 0.0% | 2026-03-31 |
Signal History信号历史
TOP WATCH
NEARING A HIGH
Jul 16, 2026
UMBF made a new 52-week highUMBF 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $148.02.价格创出52周新高 — 全市场关注的动量/趋势极值。$148.02。
Jul 16, 2026
UMBF StochRSI turned up from oversoldUMBF StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $148.02.StochRSI重回20上方 — 下行动量趋缓的最早预警。$148.02。
Jul 15, 2026
UMBF took relative-strength leadershipUMBF 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $145.31.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$145.31。
Jul 10, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 10, 2026
UMBF daily MACD crossed downUMBF 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $144.59.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$144.59。
Jul 8, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 7, 2026
UMBF made a new 52-week highUMBF 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $146.01.价格创出52周新高 — 全市场关注的动量/趋势极值。$146.01。
Jul 2, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 1, 2026
UMBF made a new 52-week highUMBF 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $145.65.价格创出52周新高 — 全市场关注的动量/趋势极值。$145.65。
Jul 1, 2026
UMBF RSI reached overboughtUMBF RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $145.65.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$145.65。
Showing last 15 of显示最近15条，共 237 signals条信号
Factor Profile因子特征
Composite factor score综合因子得分: -0.44
Value价值
+0.8
Quality质量
-0.7
Investment资本投入
-2.2
Shareholder payout股东回报
-1.0
Low volatility低波动
+0.8
Low market beta低市场敏感度
-0.1
Earnings quality盈利质量
-0.7
Short interest空头兴趣
-0.1
Company Profile公司档案
UMB Financial Corporation is an American financial services company headquartered in Kansas City, Missouri.UMBFinancialCorporation是一家美国金融服务公司，总部位于密苏里州堪萨斯城。
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