Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

UMBF stock hub

UMB Financial Corporation has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

10B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

UMBF

In the news

Latest news · UMBF

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.3

P25 8.8P50 10.4P75 13.1

Trailing P/E11.7

P25 10.9P50 14.7P75 36.2

ROE12.1

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All UMBF market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

245

Groups with data

Currency

USD

Showing 245 of 245 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000101382
Company name	UMB Financial Corporation
Country	United States
Country code	US
Cusip	902788108
Employees	5,222
Employees Change	1,524%
Employees Change Percent	41.21
Enterprise value	$11.5B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US9027881088
Last refreshed	2026-05-10
Market cap	$10B
Market cap category	Mid-Cap
Price	$131
Price currency	USD
Rev Per Employee	523,185.94x
Sector	Financials
Sic	6021
Symbol	UMBF
Website	https://www.umb.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.63%
EV Earnings	13.33x
EV Sales Forward	3.81x
EV/FCF	11.7x
EV/Sales	4.2x
FCF yield	9.83%
Forward P/E	10.28x
P/B ratio	1.32x
P/E ratio	11.65x
P/S ratio	3.65x
PE Ratio10 Y	13.88x
PE Ratio3 Y	12.19x
PE Ratio5 Y	11.57x
PEG ratio	0.81x
PS Forward	3.31x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	35.89%
Gross Profit	$2.7B
Net Income	$860.9M
Net Income Growth	114.04%
Net Income Growth Q	221.44%
Net Income Growth Quarters	4%
Net Income Growth Years	2%
Net Income Growth3 Y	27.22%
Net Income Growth5 Y	17.61%
Pretax Margin	40.74%
Profit Margin	32.3%
Profit Per Employee	$164,864
Profitable Years	35
ROA	1.24
Roa5y	0.98
ROE	12.11
Roe5y	12.9

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	11.03%
Cagr15y	9.84%
Cagr1y	31.56%
Cagr20y	8.8%
Cagr3y	33.71%
Cagr5y	7.8%
Div CAGR10	5.71%
Div CAGR3	3.83%
Div CAGR5	5.88%
EPS Growth	46.18
EPS Growth Q	176.9
EPS Growth Quarters	4
EPS Growth Years	2
EPS Growth3 Y	9.48
EPS Growth5 Y	7.3
FCF Growth	93.92%
FCF Growth Q	0.72%
FCF Growth3 Y	23.34%
FCF Growth5 Y	17.83%
OCF Growth	92.6%
OCF Growth Q	-0.48%
OCF Growth10 Y	16.78%
OCF Growth3 Y	21.23%
OCF Growth5 Y	16.37%
Revenue Growth	64.87x
Revenue Growth Q	49.04x
Revenue Growth Quarters	11x
Revenue Growth Years	2x
Revenue Growth3 Y	23.85x
Revenue Growth5 Y	16.25x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$72.7B
Cash	$2.7B
Debt	$4.2B
Debt FCF	$4.26
Equity	$7.8B
Liabilities	$64.8B
Net Cash	$-1.5B
Net Cash By Market Cap	$-14.96
Net Debt Equity	$0.19
Net Debt FCF	$1.52
Tangible Book Value	$5.2B
Tangible Book Value Per Share	$68.86
WACC	6.07

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-55.3B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-43.6%
Dividend Growth	6.29%
Dividend Growth Years	33%
Dividend per share	$1.72
Dividend Years	56
Dividend Yield	1.31%
Ex Div Date	2026-06-10
Last Dividend	$0.43
Payout Frequency	Quarterly
Payout Ratio	14.99%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	184.58%
1Y total return	31.53%
200-day SMA	117.7
3Y total return	139.11%
50-day SMA	118.4
50-day SMA vs 200-day SMA	50over200
5Y total return	45.56%
All Time High	136.1
All Time High Change	-3.49%
All Time High Date	2026-02-06
All Time Low	5.39
All Time Low Change	2,336.2%
All Time Low Date	1985-05-22
ATR	3.25
Beta	0.79
Beta1y	0.9
Beta2y	1.08
Ch YTD	14.19
High	132.3
High52	136.1
High52 Date	2026-02-06
High52ch	-3.49%
Low	130.6
Low52	98.16
Low52 Date	2025-06-18
Low52ch	33.82%
Ma50ch	10.97%
Premarket Change Percent	0.97
Premarket Price	$132
Price vs 200-day SMA	11.58%
RSI	68.57
RSI Monthly	62.19
RSI Weekly	62.72
Sharpe ratio	1x
Sortino ratio	1.68
Total Return	-42.29%
Tr YTD	14.62
Tr15y	308.82%
Tr1m	12.99%
Tr1w	1.64%
Tr3m	-1.83%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	11
Analyst Count Top	6
Analyst Price Target Top	$146
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$2.82
Earnings EPS Estimate Growth	9.3
Earnings Revenue Estimate	702,679,448x
Earnings Revenue Estimate Growth	24.62x
Operating Income	$1.2B
Operating margin	45.44
Price target	$143
Price Target Change	$8.86
Price Target Change Top	$10.76

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	72,268,717%
Float Percent	95.12%
Net Borrowing	801,810,000
Shares Insiders	3.87%
Shares Institutions	88.95%
Shares Out	75,978,727
Shares Qo Q	-0.02%
Shares Yo Y	43.6%
Short Float	4.12%
Short Ratio	5.17
Short Shares	3.92

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$942.3M
Average Volume	747,809.45x
Bv Per Share	99.15
CAPEX	$-44.3M
Ch10y	140.2
Ch15y	215.5
Ch1m	12.99
Ch1w	1.64
Ch1y	29.62
Ch20y	283.1
Ch3m	-2.2
Ch3y	127
Ch5y	33.8
Ch6m	20.53
Change	0.14%
Change From Open	-0.09
Close	131.2
Days Gap	0.24
Dollar Volume	68,545,093
Earnings Date	2026-04-28
Earnings Time	amc
EPS	$11.27
F Score	4
FCF	$980.7M
FCF EV Yield	8.55x
FCF Per Share	$12.91
Financing CF	2,259,330,000
Fiscal Year End	December
Founded	1,913
Goodwill	1,837,594,000
Graham Number	158.5691
Graham Upside	20.71
Income Tax	$230.7M
Investing CF	-7,633,001,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-28
Last Report Date	2026-03-31
Last Split Date	2006-05-31
Last Split Type	Forward
Last10k Filing Date	2026-02-26
Lynch Fair Value	$198
Lynch Upside	51.11
Ma150	117.9
Ma150ch	11.42%
Ma20	125.3
Ma20ch	4.8%
Net CF	-4,348,726,000
Next Earnings Date	2026-07-28
Open	131.5
Optionable	Yes
P FCF Ratio	10.18
P OCF Ratio	9.74
Payment Date	2026-07-01
Position In Range	44.58
Ppne	391,020,000
Pre Close	131.2
Price Date	2026-05-08
Ptbv Ratio	1.91
Relative Volume	0.7x
Revenue	2,732,077,000x
SBC By Revenue	1.4x
Share Based Comp	38,338,000
Tax By Revenue	8.44x
Tax Rate	20.72%
Tr20y	439.69%
Tr6m	21.44%
Us State	Missouri
Volume	521,811

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

UMBF dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.3%

$1.72 annual per share

Payout ratio

+15.0%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+5.9%

33 consecutive years of growth

Total shareholder yield

-42.3%

Next ex-dividend date: 2026-06-10

Performance

UMBF stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns UMBF?

Insider, institutional, and short-interest positioning.

Institutional ownership

+89.0%

Float: +95.1% of shares outstanding

Insider ownership

+3.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

UMBF momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

68.6

Neutral momentum band

Price vs 200-day MA

+11.6%

50/200-day relationship not available

Beta (5Y)

0.79

Less volatile than the market

Sharpe ratio

1.00

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

UMBF vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	비중 축소
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	비중 축소
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	비중 축소

Questions

About UMBF

Hub-level FAQ points readers to the deeper analysis pages.

What is the current UMBF stock rating?

UMB Financial Corporation is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full UMBF analysis?

The full report lives at /stocks/UMBF/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for UMBF?

The latest report frames UMBF around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the UMBF page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.