MARKET WIREYahoo Finance • 1d ago
Is UMB Financial (UMBF) Stock Undervalued Right Now?Yahoo Finance report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
Why UMBF Stock surged +2.22% Today — RQD Quant Desk Flash
$137.46 +2.22% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $137.75
UMB Financial Corporation (UMBF) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C+ • HOLD / WATCH
Cap $10.21B
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Is UMBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, UMB Financial Corporation (NASDAQ: UMBF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $137.46 (+2.22% 1D, market cap $10.21B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, UMBF ranks #164 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does UMBF compare to SSB and WTFC in the Financials sector?
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Within the Financials sector (Major Banks), UMBF carries a Roarable C+ (67/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 2.5%. By comparison, SSB (SouthState Bank Corporation) holds a C- grade (60/100 RQD, P/E 12.9x, ROIC 3.0%, cap $10.20B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for UMBF?
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Per UMBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000101382), UMB Financial Corporation generated $2.32B in revenue (+59.2% YoY), $702.4M in net income, and $978.1M in free cash flow against $73.09B in total assets and $29.43B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $137.75 (+0.21%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 42.1% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C+
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR RQD RADARRw C · Rk B-
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UMBF)Realized 20D OHLCV Swing Band: ±5.1%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY UMBF SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$128.86+3.1% Next Q
59
Q2 (-2Q)Grade C+$132.91-0.4% Next Q
62
Q3 (-1Q)Grade C+$132.34+3.9% Next Q
64
CurrentGrade C+$137.46+1.6% Hist 90D α
67
Trajectory: C (59) → C+ (67)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the UMBF Bull Thesis Could Fail
Even with a 67/100 (C+) score, UMBF faces multiple-compression risk if 14.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($135.20) or 200D SMA ($131.50) invalidates the momentum regime and cuts Target Base ($143.03) toward Bear Floor ($111.56).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $UMBF• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “UMBF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why UMBF Stock surged +2.22% Today — RQD Quant Desk Flash
UMB Financial Corporation (UMBF) surged +2.22% to $137.46, trading at 68% of its 52-week range ($103.38 – $153.32). Solid steady margins (3% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 68% of its 52-week range ($103.38 – $153.32) with RSI-14 at 51.1 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.1% around $137.46 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 0% gross margin and $978.1M annual free cash flow.
Live UMBF Headlines & Catalysts
MARKET WIRESeeking Alpha • 1d ago
UMB Financial Corporation 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:UMBF) 2026-10-29Seeking Alpha report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingView • 1d ago
UMB Financial Corporation Estimates – NASDAQ:UMBFTradingView report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESimply Wall St • 1d ago
UMB Financial (Nasdaq:UMBF) - Stock AnalysisSimply Wall St report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 2d ago
UMB Financial (UMBF) Earnings Expected to Grow: What to Know Ahead of Next Week's ReleaseYahoo Finance report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
MARKET WIREwww.marketscreener.com • 2d ago
UMB Financial Corporation Declares Quarterly Dividend on the Common Stock, Payable on January 4, 2027www.marketscreener.com report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBusiness Wire • 2d ago
UMB Financial Corporation Announces Agreement to Acquire El Dorado Savings Bank, F.S.B.Business Wire report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
RISK WATCHTradingView • 2d ago
UMB Financial Corporation Stock 12‑Month Price Target Cut to $162.94, Implies 25% UpsideTradingView report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBenzinga • 5d ago
Citigroup Maintains Neutral on UMB Financial, Lowers Price Target to $145Citigroup analyst Benjamin Gerlinger maintains UMB Financial (NASDAQ:UMBF) with a Neutral and lowers the price target from $162 to $145.
CATALYSTBenzinga • 5d ago
TD Cowen Maintains Buy on UMB Financial, Raises Price Target to $154TD Cowen analyst Janet Lee maintains UMB Financial (NASDAQ:UMBF) with a Buy and raises the price target from $152 to $154.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (UMBF Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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UMBF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.22%📐 HORIZONTAL RANGE
2026-11-03O $136.2H $137.5L $134.5C $137.5VOL 616.2K
RES: $165.7SUP: $121.2SMA50: $135.2SMA200: $131.5
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
UMBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle
6.8%/yr Implied 5Y Growth
vs. +59.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger
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 →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UMBF)
Financials Rank #164 of 1097
⚔️ SSB vs UMBF Full Matrix →
1. Head-to-Head Financials Peer Comparison (UMBF vs. SSB, WTFC, BPOP, CFR)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, UMB Financial Corporation (UMBF) ranks #164 by composite RQD confidence (67/100, grade C+) and #182 by equity capitalization ($10.21B). Within this direct 5-issuer industry benchmark cohort, BPOP leads on earnings valuation at 12.1x trailing P/E, while CFR leads on capital efficiency and profitability with 3.4% ROIC and — gross margin. WTFC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with UMBF at 67/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| UMBF
ACTIVE
UMB Financial Corporation | C+ | 67/100 | 14.7x | — | 2.5% | +2.22% | $10.21B | Benchmark Subject |
| SSB SouthState Bank Corporation | C- | 60/100 | 12.9x | — | 3.0% | +1.75% | $10.20B | /ssb-vs-umbf → |
| WTFC Wintrust Financial Corporation | B- | 70/100 | 12.6x | — | 3.1% | +3.29% | $10.28B | /wtfc-vs-umbf → |
| BPOP Popular Inc. | C+ | 67/100 | 12.1x | — | 3.1% | +1.50% | $9.99B | /bpop-vs-umbf → |
| CFR Cullen/Frost Bankers Inc. | C- | 60/100 | 15.1x | — | 3.4% | +1.71% | $9.80B | /cfr-vs-umbf → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000101382 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), UMB Financial Corporation (UMBF) reported GAAP revenue of $2.32B (+59.2% vs. FY2024 revenue of $1.46B , and +100.7% cumulative change since FY2023) , GAAP net income of $702.4M, operating cash flow of $1.03B, and free cash flow of $978.1M (+376.5% YoY). On the balance sheet, UMBF closed FY2025 with $73.09B in total assets against $29.43B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.32B | $702.4M | $1.03B | $978.1M | $73.09B | $29.43B |
| FY2024 (FY) | 2024-12-31 | $1.46B | $441.2M | $225.3M | $205.3M | $50.41B | $21.12B |
| FY2023 (FY) | 2023-12-31 | $1.16B | $350.0M | $472.6M | $472.6M | $5.69B | $1.33B |
3. UMBF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs UMBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, UMB Financial Corporation (NASDAQ: UMBF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $137.46 (+2.22% 1D, market cap $10.21B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, UMBF ranks #164 in composite RQD confidence.
How does UMBF compare to SSB and WTFC in the Financials sector?
Within the Financials sector (Major Banks), UMBF carries a Roarable C+ (67/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 2.5%. By comparison, SSB (SouthState Bank Corporation) holds a C- grade (60/100 RQD, P/E 12.9x, ROIC 3.0%, cap $10.20B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).
What are the biggest fundamental strengths and SEC risk factors for UMBF?
Per UMBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000101382), UMB Financial Corporation generated $2.32B in revenue (+59.2% YoY), $702.4M in net income, and $978.1M in free cash flow against $73.09B in total assets and $29.43B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Where is UMBF trading relative to its 50-day, 200-day, and 52-week technical levels?
UMBF last traded at $137.46 (+2.22% on volume of 810,456 shares), positioning the stock +1.67% above its 50-day simple moving average ($135.20) and +4.53% above its 200-day simple moving average ($131.50). Across its 52-week range of $103.38 to $153.32, UMBF sits at the 68.2% percentile with a 14-day RSI of 51.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.1% ($130.45 to $144.47).
ROARABLE RATING BRIEF • RQD 67/100 (C+)
✓ SEC XBRL & RQD VERIFIED
UMBF — UMB Financial Corporation: What the Facts Mean to a Prospective Investor
Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31
1. Roarable Rating Brief: What This Means to a Prospective Investor
UMB Financial Corporation (UMBF) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $137.46 (+2.22% 1D, market capitalization $10.21B).
- Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 2.5%, gross margin of —, operating margin of 29.6%, and free cash flow yield of 9.46%.
- Whale 13F & Options Flow (10/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (13/20) + Forensic Balance Sheet (15/20): Incorporates a 1.02x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
UMB Financial Corporation (UMBF) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry..3B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), UMB Financial Corporation (UMBF) reported $2.32B in annual revenue (up from $1.46B in FY2024, +59.2% YoY) and $702.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.16B revenue, $350.0M net income) through FY2025, UMBF scaled operating cash flow to $1.03B and free cash flow to $978.1M, backed by $73.09B in total assets against $29.43B in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (C+ • RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $103.38 – $153.32 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.7x trailing P/E and 33.4x EV/EBITDA against 29.6% operating margins and a 1.02x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Upstream and downstream dependencies: — Sector correlations: — Second-order bottlenecks: — For a prospective investor, the practical takeaway is that the rating's sector sensitivity pillar is the only available indicator of macro linkage, and it does not itemize the channels.
- Key Question #1: Can UMBF sustain or expand its 29.6% operating margin and 2.5% ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $2.32B and free cash flow of $978.1M, how will capital allocation balance growth reinvestment against $29.43B in total debt?
- Key Question #3: How sensitive is UMBF's 13.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.02x)?
UMBF Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for UMB Financial Corporation (UMBF) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Yahoo Finance • 1d ago
Is UMB Financial (UMBF) Stock Undervalued Right Now? Yahoo Finance report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Seeking Alpha • 1d ago
UMB Financial Corporation 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:UMBF) 2026-10-29 Seeking Alpha report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 1d ago
UMB Financial Corporation Estimates – NASDAQ:UMBF TradingView report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Simply Wall St • 1d ago
UMB Financial (Nasdaq:UMBF) - Stock Analysis Simply Wall St report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 2d ago
UMB Financial (UMBF) Earnings Expected to Grow: What to Know Ahead of Next Week's Release Yahoo Finance report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE www.marketscreener.com • 2d ago
UMB Financial Corporation Declares Quarterly Dividend on the Common Stock, Payable on January 4, 2027 www.marketscreener.com report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Business Wire • 2d ago
UMB Financial Corporation Announces Agreement to Acquire El Dorado Savings Bank, F.S.B. Business Wire report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH TradingView • 2d ago
UMB Financial Corporation Stock 12‑Month Price Target Cut to $162.94, Implies 25% Upside TradingView report covering UMB Financial Corporation (UMBF) market action, institutional positioning, and fundamental catalysts.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
UMBF Bull vs. Bear Conversation Board — What's Your Call at $137.46?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UMBF 🐻 33% BEARISH CONVICTION
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH
🎯 Target: $173.47 (+29.0%)
📌 Pinned Debate Strong cash generation with a 9.46% FCF yield, clean forensic metrics (Piotroski F 8/9), and institutional accumulation support the rat
The street is overcomplicating UMB Financial Corporation (UMBF). Strong cash generation with a 9.46% FCF yield, clean forensic metrics (Piotroski F 8/9), and institutional accumulation support the rating.. With an RQD score of 67/100 (C+) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $145.23.
CapAlloc_Nerd 🐂 BULL
@DeepValue_CFA Agree on the RQD 67/100 quality, though with 1.02 beta I'm scaling in with half-size at $134.47 and keeping dry powder in case we test $125.06.
RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH
🎯 Target: $100.85 (-25.0%)
Spot @ $134.47 Reported debt rose from $1.33B to $29.43B over two years while ROIC sits at just 2.5%, and EV/EBITDA of 33.4 is far above the P/E.
Sitting on the sidelines or leaning short UMBF above $134.47. Reported debt rose from $1.33B to $29.43B over two years while ROIC sits at just 2.5%, and EV/EBITDA of 33.4 is far above the P/E.. Until Fundamental Cash Engine (14/20) and FCF yield (9.46%) inflect higher, upside is capped near $153.32.