Should I buy UMB Financial Corp. (UMBF) stock or is it too late?

UMB Financial Corp. · Financials · price $145

See the full UMB Financial Corp. (UMBF) profile

⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: RBC Capital — 77% of its targets hit on this sector (172 calls tested). It aims for $170 (+18 %), call made on July 31, 2026, maturing on July 31, 2027 (28 d ago).

The 10 reliable analysts $169+17 %

The 1 other firm $159+10 %

How to read it: the 10 reliable firms are not filtered by optimism — 10 aim above the price, 0 below, hence their $169 median. “The 1 others” are the firms that don't pass our reliability filter on this sector.

Firm-by-firm track record on UMB Financial Corp.

Here the hit rate is measured <b>on this stock specifically</b> (matured targets replayed against real prices, minimum 5 calls tested) — the green block above measures reliability <b>across the whole sector</b>, which is the criterion behind JPI selections. “Aims for” = the firm's most recent target on this stock; “—” means it hasn't published one recently.

Firm	% right	Gain vs sector	Calls	Aims for
Piper Sandler	88 %	+26.7 %	8	$181 +25%
Barclays	75 %	+19.1 %	8	$175 +21%
Raymond James	60 %	+10.5 %	20	$135 -7%

In short — Should you invest in UMB Financial Corp.? Is it too late, still worth it? Analysts are overwhelmingly positive (82% buy, median target $167, i.e. +16%), and the most reliable on UMBF targets even higher. We give you both sides, with the numbers — not advice.

✅ Reasons to believe

82% of analysts rate it a buy (Buy consensus, 11 ratings) — a sign of market conviction.
Median price target $167, i.e. +16% from the current price ($145).
The most reliable firm on UMBF, Truist Securities (100% hit rate, 2 scored calls), targets $170 (call made on August 4, 2026, maturing on August 4, 2027) (+18%) in its most recent call, and $144 (call made on September 8, 2025, maturing on September 8, 2026) (+0%) in the one coming due soonest.

⚠️ Reasons to hesitate

The consensus is not unanimous: of 11 ratings, 2 are neutral.
A 12-month target is not a guaranteed path: the price can fall in the meantime.

The analyst consensus on UMBF

Median target $167 (+16%) · 11 ratings · Buy consensus

Strong Buy00%

Buy982%

Hold218%

Sell00%

Strong Sell00%

⚠️ Information, not investment advice. Past performance does not guarantee future results. Analyst targets on a ~12-month horizon.

Frequently asked questions

Should you invest in UMB Financial Corp. now?

We won't decide for you. The facts: 82% of analysts rate it a buy, median target $167 (+16%), and Truist Securities (most reliable on UMBF, 100%) targets $170. Weigh that against valuation. This is not personalized advice.

Is it too late to invest in UMB Financial Corp.?

Not according to analysts: the median target ($167) is still +16% above the current price ($145) (most reliable on UMBF: Truist Securities, 100%). The real question isn't "too late" but the price-to-value gap and risk. Not advice.

Is UMB Financial Corp. still worth investing in?

It depends on the gap between the price ($145) and its estimated value: analysts target $167 on median (+16%), with 82% buys (most reliable on UMBF: Truist Securities, 100%). Cross-check with their real reliability on UMBF and the cautions above. Information, not advice.

What's the main risk in buying UMBF?

The consensus is not unanimous: of 11 ratings, 2 are neutral.

→ Go deeper: the full UMB Financial Corp. profile (consensus, analyst reliability, price target, performance).