UMB Financial AI Price Prediction

With EPS of 9.28 and a PE ratio of 13.78, UMB Financial appears reasonably valued relative to typical regional bank peers, suggesting neither clear overvaluation nor deep discount. The earnings profile implies solid underlying profitability, but the data provided does not indicate strong growth acceleration or deterioration, keeping the outlook balanced.

• EPS of 9.28 combined with a PE of 13.78 implies a moderate valuation multiple that is broadly in line with a stable, profitable bank rather than a high-growth or distressed name.
• The current valuation suggests the market is pricing in steady earnings with manageable risk, but not a strong growth premium.
• Lack of explicit revenue and net income trend data limits conviction; available metrics point to stable profitability rather than a clearly improving or weakening trajectory.

The stock trades at $127.86, modestly up 2.2% over the last month and comfortably above its 200-day moving average of $113.58, indicating a prevailing uptrend. However, the RSI at 30.54 is near oversold territory, suggesting recent selling pressure or consolidation within that broader uptrend.

• Price is about 12–13% above the 200-day moving average ($127.86 vs. $113.58), signaling a longer-term positive trend and underlying support.
• RSI of 30.54 is close to the oversold threshold of 30, indicating short-term weakness or consolidation that could precede either a bounce or further downside if momentum remains negative.
• A 2.2% gain over the last month is modest, implying the stock is not in a sharp momentum phase; instead, it appears to be digesting prior gains while remaining technically supported on a longer horizon.

Alternative data for UMB Financial show a broadly stable digital and operating footprint, with flat app download growth, steady but not explosive social media gains, and a slight decline in job postings. These signals point to a company in a steady state rather than one undergoing rapid expansion or contraction.

• Web traffic at roughly 1.58 million visitors per month suggests a solid digital presence, but no growth rate is provided, limiting insight into demand momentum.
• Mobile app downloads at about 11,000 per day with 0.0% month-over-month growth indicate stable user engagement but not accelerating digital adoption.
• Job openings at 118, down 2.5% month over month, and modest growth in social media followers (around 1.5–3.2% over 90 days) suggest cautious hiring and incremental brand engagement, consistent with a measured, steady outlook rather than aggressive expansion.

Overall, UMB Financial’s stock setup appears neutral: valuation and earnings metrics indicate a solid, fairly priced bank, while technicals show a longer-term uptrend tempered by near-oversold momentum. Alternative data reinforce a picture of operational stability without strong evidence of either accelerating growth or emerging stress.

• Fundamentals and valuation are consistent with a stable, reasonably profitable institution, but not clearly mispriced in either direction.
• Technicals and alternative data together suggest consolidation within an established uptrend, leading to a balanced, neutral stance rather than distinctly bullish or bearish positioning.