UMBF — the engine's Play of the Day, fully scored
On Tuesday, July 7, 2026, UMBF scored in the 99th percentile of Wall Street Analyst's 15-dimension scoring engine with a STRONG BUY signal, at $144.36 at publication, on a suggested horizon of 1–3 months. The full breakdown below is the engine's actual evidence, published the day of the call and graded in public afterward.
This grade was written by the market, not by us: the Play was timestamped at publication and scored automatically against its entry price. Winners and losers both stay up — the full record lives on the track record.
UMBF screens in the 99th percentile on a fundamentals-led setup, anchored by a momentum score of 95.1 (near 52-week high, +25.6% over three months) and a fundamental score of 88.2 built on an attractive 12.5 P/E, a 0.30 PEG, 58% growth, and 25.9% margins. Earnings quality reinforces the case with six consecutive beats averaging 12.3% surprise and positive revision momentum, while a quant grade of A- (A on momentum, A+ on EPS revisions) rounds out the profile. Risk level reads LOW with HIGH confidence and earnings are 27 days out, clear of the danger zone.
This is a quality archetype with a 1-3 month horizon, entered near 144.36 as the fundamentals-led thesis is given time to be recognized. Analyst targets sit at $151 with tight dispersion, implying limited but high-conviction upside from current levels.
A break back below key moving averages or a MACD reversal would undercut the technical support, and the August 4 earnings report failing to extend the beat streak or showing negative revision momentum would invalidate the fundamental case. Note the mixed smart-money signal — four insider sells against the reported cluster buy — as a caution flag if selling accelerates.
The full case — all 15 dimensions
Every dimension the engine scored that day, with the actual evidence behind each number — including the ones that argue against the play. The twelve weighted dimensions come first; anything marked a supporting input is scored and shown, but reaches the composite through a capped confirmation bonus rather than a weighted share.
- Near 52-week high (88th percentile)
- Strong 3-month momentum (+25.6%)
- Attractive P/E (12.5)
- PEG undervalued (0.30)
- Strong growth (58%)
- Excellent margins (25.9%)
- Quant Grade: A- (81/100)
- Value: A-
- Growth: B
- Profitability: B-
- Momentum: A
- Eps Revisions: A+
- Revenue +72% (explosive)
- Earnings +45%
- High net margin 26%
- Strong beat streak (6 consecutive quarters)
- Positive revision momentum (+0.34)
- Large average earnings surprise (+12.3%)
- Stable positive EPS estimates
- Strong positive news sentiment (0.20)
- Strong analyst buy consensus (83%)
- MACD bullish crossover
- Price above key moving averages
- Analyst target $151 vs $141.22 (+7% implied)
- Tight target dispersion (high conviction)
- Insider selling activity (4 sells)
- Held by Berkshire Hathaway (Buffett), Bridgewater Associates (Dalio), Renaissance Technologies (Simons)
- Insider filing activity (3 Form 4s in 30d)
- Reddit sentiment neutral (0 mentions)
- StockTwits neutral
- Low social media volume (0 total messages)
- 6Q consecutive earnings beats (avg 12.4% surprise)
- Insider cluster BUY: 5 insiders, $23,248,328 in 1d
- Strong: 8 consecutive EPS beats
- Large avg earnings surprise: +17.0%
- Solid EPS growth trend: +15.2%
- No insider trading data available from OpenInsider
A brief like this is generated from the engine's output every trading day. Today's Play is free — get it on the Play of the Day page or read how the 15 dimensions work.
The Play of the Day is the output of a quantitative scoring model, published for educational and informational purposes — it is not personalized investment advice, and Wall Street Analyst is not a registered investment advisor. Markets carry risk; past results don't guarantee future ones. Every decision is yours.