UMB Financial Corporation (UMBF) — RQD Stock Rating Cockpit
UMB Financial Corporation (UMBF) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The underlying business is intact, so current owners don’t need to panic-sell—but mixed big-money flow or rich pricing means new buyers can afford to wait for either a pullback or a B-or-higher upgrade.
Decent core business (41% profit margin), though cash flow growth is moderate rather than explosive right now.
Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.
No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.
JEV AI Jury Split (Battleground) on UMBF
2.5% ROIC with 41.0% gross margin and 9.46% FCF yield.
Altman-Z 0.45 and Piotroski 8/9 pass balance-sheet audit.
Put/Call 0.79x with 22/40 institutional & insider flow.
- ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
- !Broader market pullbacks can still drag down strong stocks in the short run.
Today's Top 3 RQD Strong Buys & Whale Accumulation Setups (Live UMBF Tape Review)
- ✓Live breakdown of today’s highest-scoring RQD Green-Light breakouts
- ✓1 urgent Red-Light accounting trap to cut from your watchlist immediately
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UMBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on UMBF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for UMBF. Explore sector supply chains on /butterfly.
UMBF Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDShould I buy, hold, or sell UMBF stock right now?
UMB Financial Corporation (UMBF) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid 41% profit margin (3% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
What is UMBF's 12-month price target and RQD AI Jury consensus?
UMBF's 12-month base price target is $138.61 (range $108.12 to $163.56), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.