UMB Financial Corporation

Stage 3 · Topping · week 5

As of Oct 22, 2026, UMB Financial is in Stage 3, the topping phase, now in week 5 (since Sep 24, 2026). It closed at $136.16, 10.1% below its 52-week high and above its 200-day average, which is rising.

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. More about the company

$136.16

+2.45% today

$10.3B · Large cap

Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S2 16w

S2 31w

S2 19w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S1 7w → S4 6w → S1 2w → S2 16w → S3 2w → S2 10w → S3 3w → S2 31w → S3 8w → S4 8w → S1 11w → S2 11w → S3 8w → S2 11w → S3 8w → S2 19w → S3 4w current

Total tracked: 165 weeks across 17 stage runs.

UMBF among Banks - Regional207th of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…207	UMBFUMB Financial Corporation	Stage 3 · wk 5	72	+1.7%

vs 52W High

-10.1%

$102.51 lo$151.50 hi

10.1% below 52W high, weakening from peak

The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.

Stage Maturity

Week 5

1w13w26w

Week 5, early distribution

How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.

vs 200 DMA

4.6%

200 DMA: $130.18 · rising

Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.

Rel Volume

0.90x

vs 50-day avg

Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

+1.7%

-3.2%

+10.9%

YTD

+18.1%

+23.5%

Scan Membership

Breakout Watch

Latest: 2024-07-12

7 appearances in last 60 days. First seen: 2019-11-14.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S3

Wk 5 · Vol 0.90x

2026-10-21S3

Wk 4 · Vol 0.45x

2026-10-20S3

Wk 4 · Vol 1.09x

2026-10-19S3

Wk 4 · Vol 0.72x

2026-10-16S3

Wk 4 · Vol 1.13x

2026-10-15S3

Wk 4 · Vol 0.87x

2026-10-14S3

Wk 3 · Vol 0.99x

2026-10-13S3

Wk 3 · Vol 0.96x

2026-10-12S3

Wk 3 · Vol 0.90x

2026-10-09S3

Wk 3 · Vol 0.82x

2026-10-08S3

Wk 3 · Vol 1.63x

2026-10-07S3

Wk 2 · Vol 1.38x

Moving averages & range

50 DMA

$137.33

200 DMA

$130.18

52W High

$151.50

52W Low

$102.51

5D Low

$129.65

Resistance levels (recent highs)

20d High

$136.16

60d High

$151.50

120d High

$151.50

250d High

$151.50

Next resistance

+11.3%

to 60d High

P/E (TTM)

11.3

Forward 9.8

Earnings Growth (YoY)

+26.2%

Revenue +12.2%

ROE

+12.3%

Profit margin +33.5%

Dividend Yield

1.50%

P/B 1.3

UMB Financial: quick answers

What stage is UMB Financial in?

As of Oct 22, 2026, UMB Financial (UMBF) is in Stage 3, the topping phase. It entered Stage 3 on Sep 24, 2026 and is in week 5. What the four stages mean

Is UMB Financial in an uptrend?

Its uptrend has stalled. UMB Financial is in Stage 3, the topping phase that follows an advance. It trades 4.6% above its 200-day average, which is rising.

How far is UMB Financial from its 52-week high?

UMB Financial closed at $136.16 on Oct 22, 2026, 10.1% below its 52-week high of $151.50. Its 52-week low is $102.51.

How has UMB Financial performed over the past year?

As of Oct 22, 2026, UMB Financial is up 23.5% over the past year and up 18.1% so far in 2026.

Which sector and industry is UMB Financial in?

UMB Financial is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.