Is UMBF or UMBFO more undervalued in 2026?

CirclFi compares UMB Financial Corporation (UMBF) and UMB Financial Corporation - Dep (UMBFO) using 13 institutional-grade valuation models. UMBF has a Quality of Company score of 9.2/10 while UMBFO scores 7.7/10.

Which is a better buy — UMBF or UMBFO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do UMBF and UMBFO valuations compare?

UMBF at $131.31 and UMBFO at $26.96 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UMBF vs UMBFO Valuation Comparison 2026 — Intrinsic Value Analysis

UMBF

Banks - Regional

UMB Financial Corporation

Quality

9.2

out of 10

Value Trap

LOW

Price

$131.31

Last close

Models

11/13

Active

UMBFO

Banks - Regional

UMB Financial Corporation - Dep

Quality

7.7

out of 10

Value Trap

LOW

Price

$26.96

Last close

Models

3/13

Active

Model-by-Model Comparison

Model	Type	UMBF Fair Value	UMBF Upside	UMBFO Fair Value	UMBFO Upside
Bayesian DCF	Intrinsic	$138.27	+5.3%	—	—
Earnings Power Value	Intrinsic	$182.06	+38.6%	—	—
EROIC Spread	Intrinsic	$107.67	-18.0%	$132.71	+392.2%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$20.69	-84.2%	$27.89	+3.5%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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UMBF vs UMBFO — Which Stock Is More Undervalued?

UMBF scores higher with a 9.2/10 quality rating vs UMBFO's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing UMB Financial Corporation (UMBF) and UMB Financial Corporation - Dep (UMBFO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

UMBF currently trades at $131.31 with a QOC of 9.2/10, while UMBFO trades at $26.96 with a QOC of 7.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).