Why UMBF Stock surged +2.89% Today — RQD Quant Desk Flash

$136.16 +2.89% NASDAQ • Public Delayed / 60s Snapshot

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.

ROARABLE C • HOLD / WATCH Cap $10.34B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw D+ · Rk C+
Cash (13)Whales (10)SEC (16)Macro (11)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$164 Bull$139 Base$108 Bear
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WHALE OPTIONS TUG-OF-WAR:56% Call Buyers ($2.5M)
44% PutsMax Pain: $133.00
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Why UMBF Stock surged +2.89% Today — RQD Quant Desk Flash

UMB Financial Corporation (UMBF) surged +2.89% to $136.16 as options desks priced 56% call premium vs. 44% put protection around the $133 max-pain magnet. Solid 41% profit margin (3% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 66% of its 52-week range ($103.38 – $153.32) with RSI-14 at 52 (NEUTRAL RANGE).
  • ▸Whale Options Positioning: $2.5M in bullish call flow vs. $2.0M in put flow (Put/Call 0.79x, implied earnings swing ±7%).
  • ▸Fundamental Anchor: Roarable C (Hold) backed by 0% gross margin and $978.1M annual free cash flow.
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UMBF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.58%📐 HORIZONTAL RANGE
2026-10-30O $136.2H $136.6L $133.3C $134.5VOL 616.1K
RES: $165.1SUP: $121.9SMA50: $135.7SMA200: $131.3
$155.9$145.3$134.8$124.3$113.8RES $165.1SUP $121.9$134.52026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UMBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
6.8%/yr Implied 5Y Growth

vs. +7.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UMBF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UMBF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UMBF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

UMBF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Why is UMBF stock moving today?

Why UMBF Stock surged +2.89% Today — RQD Quant Desk Flash. Solid 41% profit margin (3% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.