UMB Financial Corporation (UMBF) — Regional Banks. Numbers-first dossier: valuation, distress risk, calibrated signal.

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Bid — × — AskUpdated Nov 9, 2026 · 4:00 PM ETVol 559.9K · 3-mo avg 613.8K

UMB Financial Corporation (UMBF)

UMBFUMB Financial Corporationloading…
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QTick signal
+1net
1 bull / 2 bear factors · balanced
Bull 3 pts·Bear 2 pts30d
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Market context—Sector read · not on file—Balance sheet · not on file—Inflation-report days · not on fileOKCalm trading · sharp-drop risk 4/100 · Nov 9
$135.97
near a recent low, a support level and the 200-day average · Nov 9
$152–154
near the 52-week high · midpoint $152.78 · Nov 9
±$0.30
±0.2% up or down, priced by the options market
Golden cross
50-day average is above the 200-day — an uptrend
In line
57% of similar setups fell 10% or more within 3 months · 1.0× the usual rate
Golden cross
50-day average is above the 200-day — an uptrend
Trading volume12% below normal0.88× its 20-day average
Past year's range$103.38 – $153.32lowest to highest price
From its peak10.9% belowpeak $153.32, highest since 2015
Gain vs. risk1.69 to 1$1.69 possible gain per $1 at risk
Plan fails below$127.10the setup is broken under this price
Options pressure point$135.00price can drift here near expiry
Momentum (RSI)54.4fires under 35 · fires near $123.84
Accounting warning signs1worth checking — see the list
Price vs. profit9.7× next year10.4× last 12 months
Price vs. its own pastpricier than 23%of the last 5 years · usual P/E 11.8×

Last session traded in line with its own normal, price up 2.2%. Over the last 20 sessions, 65% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

1 of 6 aligned — not yet
RSI 14
●
54.4
fires under 35 · fires near $123.84
vs 50-day
●
$134.69
above the line · fires near $135.97
Bollinger
●
$128.68
no lower pierce · fires near $127.77
VWAP 20
●
$134.17
above the rolling VWAP · fires near $134.09
Entry level
✓
$135.97
within 1% of model level
Put wall
●
$90.00
2026-11-20 expiry · chain of 2026-11-09
MACD
Context✓
+0.42
histogram above zero · fading
RVolStatic
0.88×
in line with its own normal
Short int.Static
5.6%
short interest below 20%
ATRStatic
$4.43
14-session average true range
A checklist, not odds on a return: 4 of 6 usable price conditions have to line up. RSI, the 50-day average and the Bollinger band move with the price you set; the 20-day average traded price, the entry level and the busiest put strike stay fixed. MACD, RVol, Short int. and ATR are context only — they never count toward the total.
See the full case→
Next earnings
2027-01-26
in 52 sessions
Next dividend
USD 0.50
ex-date 2026-12-10