UMB Financial (FRA:UMB) Moat Score: 5/10 (As of Jul. 11, 2026)


FRA:UMB UMB Financial Corp FRA:UMB
81 GF Score
Price €126.00
GF Value €105.70
! 7 Warning Signs
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What is UMB Financial Moat Score?

UMB Financial FRA:UMB +0.80% 81 Moat Score is 5 as of Jul. 11, 2026. GuruFocus rates FRA:UMB with a GF Score™ of 81/100 and a GF Value™ of €105.70. The stock has 7 warning signs investors should review. Among 1,608 Banks companies, UMB Financial ranks better than 94.03% on this metric.

UMB Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

UMB Financial has Narrow Moat: UMB Financial Corp benefits from a solid brand and customer loyalty in regional banking. It has some cost advantages and regulatory barriers, but lacks the scale and network effects to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes UMB Financial might have Narrow Moat - Solid narrow moat.

UMB Financial  (FRA:UMB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

UMB Financial Moat Score Related Terms

FRA:UMB vs WTFC, BPOP, ZION: Moat Score Comparison

For the Banks - Regional subindustry, UMB Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

UMB Financial Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, UMB Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where UMB Financial's Moat Score falls into.


FRA:UMB
81GF Score
UMB Financial Corp FRA:UMB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
UMB Financial (FRA:UMB) has a Moat Score of 5 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, UMB Financial ranks #96 out of 1608 companies in the Banks industry, placing it in the top 6%.
Is UMB Financial's Moat Score too high?
UMB Financial's current Moat Score is 5. Based on the distribution chart, UMB Financial ranks #96 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, UMB Financial has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does UMB Financial's Moat Score compare to WTFC and BPOP?
According to the Banks industry distribution chart, UMB Financial ranks #96 out of 1608 companies for Moat Score. This places UMB Financial in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. UMB Financial's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UMB Financial stock overvalued right now?
UMB Financial (FRA:UMB) has a current Moat Score of 5. The stock's GF Value™ is €105.70, compared to a current price of €126.00 — trading 19.2% above its estimated fair value. The current Moat Score is 5. UMB Financial's overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For UMB Financial (FRA:UMB), the current Moat Score is 5 as of Jul. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is UMB Financial (FRA:UMB) Overvalued in 2026?

Based on GuruFocus' analysis, UMB Financial stock appears to be overvalued. The current stock price of €126.00 is trading 19.2% above its estimated GF Value™ of €105.70.

Key valuation signals for FRA:UMB:

  • Moat Score: 5
  • GF Value™: €105.70 vs. price of €126.00 (19.2% above fair value)
  • GF Score™: 81/100 with 7 warning signs

No single metric tells the full story. See the FRA:UMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

UMB Financial Business Description

Other Exchanges UMBF:USA1UMBF:Italy
Address 1010 Grand Boulevard, Kansas City, MO, USA, 64106
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
81GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€126.00
Price
€105.70
GF Value