...
UMBFUMB Financial Corporation
$123.30
Financials
AVOID
Analysis updated: Jan 16, 2026

Investment Thesis

UMBF is a market laggard (RS 58/99, Top 42%) with moderate fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

Weak relative strength + ordinary growth = Pass

Key Takeaways

Earnings Momentum

+68%
Q4'24
$2.44
-46%
Q1'25
$1.21
+36%
Q2'25
$2.82
+12%
Q3'25
$2.50
Earnings Growing

Price Structure

Partial Alignment
Price
$123.30
✓
→
50 DMA
$114.51
→
100 DMA
$116.07
✓
→
150 DMA
$113.72
✓
→
200 DMA
$110.06
Alignment Score: 3/4

UMBF Price Chart

Loading chart...

50 DMA150 DMA200 DMA
LEADERSHIP TEST FAILED

RS Rating 58/99 is in Bottom 58% of market. Minervini target: Top 20% (RS 80+)

Why Not BUY Yet?

RS Rating
58 (Top 42%)→>80 (Top 20%)
EPS Growth
12%→>25% (Strong) or 40%+ (Elite)
Pattern Stage
AT_PIVOT→At pivot or near breakout

What Would Change Our Mind?

To turn bullish on UMBF, we need:

Twin Engines Dashboard

Technical Health

RS Rating
58/99
Top 42% (Need 80+)
Trend
Uptrend
Above 200 DMA
RSI (14)
57
NEUTRAL
VCP Setup
COOL
Score: 5/9
Volume
436K
+1% vs avg
From Entry
+5.7%
$116.68

Fundamental Horsepower

EPS Qtr YoY
+12%
Growing
EPS 3Y CAGR
+7%
Annual Earnings
Revenue Qtr
N/A
NO DATA
F-Score
6/9
Piotroski Quality
ROE
13%
Return on Equity
EPS Rank
51/99
Percentile

Trade Plan

Stalled Breakout

Broke out 5 months ago at $116.68 — up modestly (+6%) from entry.

Breakout has stalled. Wait for new momentum or a fresh base pattern to develop.

Breakout Date2025-08-13156 days ago
Entry Was$116.68Breakout price
Gain Since+6%From entry
Reclaim$119.0721 EMA support

If/Then Playbook

IF: RS Rating improves to >80
THEN: Re-evaluate for WATCHLIST
IF: Price closes below 200 DMA
THEN: Remove from radar entirely
IF: EPS growth accelerates to >40% next quarter
THEN: Reassess as potential turnaround

Key Price Levels

Resistance

  • 52W High$126.14+2.3%
  • Pivot$126.14+2.3%
Current$123.30

Support

  • 20 DMA$119.39-3.2%
  • 50 DMA$114.51-7.1%
  • 200 DMA$110.06-10.7%

More UMBF Analysis

Fundamental Analysis →Intrinsic Value →Total Return Calculator →

Related Technical Analysis

Compare technical setups for similar stocks:

Frequently Asked Questions

Is UMBF stock a buy now?

UMBF is a market laggard (RS 58/99, Top 42%) with moderate fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

What is the buy point for UMBF?

UMBF broke out at $116.68 5 month(s) ago but has stalled (+6%). Wait for fresh momentum or new base pattern.

What is UMBF's RS Rating?

UMBF has an RS Rating of 58/99, meaning it's in the Top 42% of all stocks for relative price performance over the past 12 months. Minervini recommends RS 80+ for momentum trades.

Important Disclosure: This analysis is for educational and informational purposes only. Technical and fundamental indicators are based on historical data and do not guarantee future performance. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.