What Is UMB Financial Corporation - Dep (UMBFO) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, UMB Financial Corporation - Dep is potentially undervalued at its current price of $26.43. Based on our 13-model framework, UMB Financial Corporation - Dep's intrinsic value is estimated at a composite fair value of $96.84 — representing +266.4% implied upside — with 4 out of 4 active models confirming this thesis. Model dispersion is worth noting: EROIC targets $156.66 (+492.7%), versus Markov DDM at $40.93 (+54.9%). This +437.9% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About UMBFO?
4 of 13 models are currently active for UMBFO. All 4 active models suggest the stock trades below fair value. See which stocks rank higher →
How Does UMBFO Rank in National Commercial Banks?
Among 88 National Commercial Banks stocks, UMBFO ranks #69 by Quality of Company score. CirclFi's QOC score of 6.5/10 evaluates 32 fundamental signals. A score of 6.5 indicates above-average quality.
See all Most Undervalued National Commercial Banks Stocks →
Within the National Commercial Banks space, UMB Financial Corporation - Dep competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is UMBFO a Value Trap?
CirclFi's Value Trap algorithm assigns UMBFO a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
4 of 13 models are active for UMB Financial Corporation - Dep. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, UMB Financial Corporation - Dep's fundamental quality profile registers 6.5/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +437.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every UMBFO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across UMBFO's 4 active models, average confidence is 31%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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