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UMB Financial Corporation (UMBF)

NASDAQ: UMBF · USD

$132

-1.55 (-1.2%)· Recorded snapshot

Market cap	10B
Revenue (ttm)	2.9B
Net income (ttm)	1B
EPS (ttm)	$13.2
Shares out	76M
P/E (trailing)	10.0x
P/E (forward)	9.7x
Dividend	$2.00 (1.52%)
Volume	929,511
Beta	0.83

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Sterk kopen
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Sterk kopen
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Aanhouden

Metric	Value
Amount currency	USD
CIK code	0000101382
Company name	UMB Financial Corporation
Country	United States
Country code	US
CUSIP number	902788108
Earnings date	2026-10-27
Earnings time	amc
Employees	5,222
Employees change	1,524
Employees growth	41.21%
Enterprise value	$7.6B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1913
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US9027881088
Last 10-K release date	2026-02-26
Last earnings date	2026-10-27
Last refreshed	2026-10-28
Last stock split date	2006-05-31
Last stock split type	Forward
Market cap	$10B
Market cap category	Mid-Cap
Next earnings date	2027-01-26
Options	Yes
Price	$132.25
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	UMBF
U.S. state	Missouri
Website	https://www.umb.com

Metric

Value

Amount currency

USD

CIK code

0000101382

Company name

UMB Financial Corporation

Country

United States

Country code

CUSIP number

902788108

Earnings date

2026-10-27

Earnings time

amc

Employees

5,222

Employees change

1,524

Employees growth

41.21%

Enterprise value

$7.6B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-09

Fiscal year end

December

Founded

1913

In index

RUSSELL2000

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US9027881088

Last 10-K release date

2026-02-26

Last earnings date

2026-10-27

Last refreshed

2026-10-28

Last stock split date

2006-05-31

Last stock split type

Forward

Market cap

$10B

Market cap category

Mid-Cap

Next earnings date

2027-01-26

Options

Yes

Price

$132.25

Price currency

USD

Sector

Financials

SIC code

6021

Stock price date

2026-10-28

Symbol

UMBF

U.S. state

Missouri

Website

https://www.umb.com

Metric	Value
Adjusted P/E ratio	9.71x
Average P/E ratio (10Y)	13.39x
Average P/E ratio (3Y)	12.66x
Average P/E ratio (5Y)	11.56x
Earnings yield	9.98%
EV/Earnings	7.55x
EV/FCF	7.32x
EV/Sales	2.63x
FCF / EV yield	13.67%
FCF yield	10.35%
Forward EV/Sales	2.44x
Forward P/E	9.66x
Forward P/S	3.22x
Graham number	171.91827
Graham upside	29.82%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$244.95
Lynch upside	84.97%
P/B ratio	1.34x
P/E ratio	10.02x
P/FCF ratio	9.66x
P/OCF ratio	9.24x
P/S ratio	3.47x
PEG ratio	0.62x
Price / tangible book value	1.9x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

9.71x

Average P/E ratio (10Y)

13.39x

Average P/E ratio (3Y)

12.66x

Average P/E ratio (5Y)

11.56x

Earnings yield

9.98%

EV/Earnings

7.55x

EV/FCF

7.32x

EV/Sales

2.63x

FCF / EV yield

13.67%

FCF yield

10.35%

Forward EV/Sales

2.44x

Forward P/E

9.66x

Forward P/S

3.22x

Graham number

171.91827

Graham upside

29.82%

Industry forward P/E

9.97x

Industry P/E

11.81x

Lynch fair value

$244.95

Lynch upside

84.97%

P/B ratio

1.34x

P/E ratio

10.02x

P/FCF ratio

9.66x

P/OCF ratio

9.24x

P/S ratio

3.47x

PEG ratio

0.62x

Price / tangible book value

1.9x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
Effective tax rate	20.21%
FCF margin	36.98%
Operating margin	48.94%
Pretax margin	44.63%
Profit margin	35.61%
Profit per employee	$193,259
Profitable quarters	25
Profitable years	35
Revenue per employee	$555,237
ROA	1.43%
ROA (5Y)	0.98%
ROE	13.5%
ROE (5Y)	12.9%
Tax / revenue	9.02%

Metric

Value

Effective tax rate

20.21%

FCF margin

36.98%

Operating margin

48.94%

Pretax margin

44.63%

Profit margin

35.61%

Profit per employee

$193,259

Profitable quarters

Profitable years

Revenue per employee

$555,237

ROA

1.43%

ROA (5Y)

0.98%

ROE

13.5%

ROE (5Y)

12.9%

Tax / revenue

9.02%

Metric	Value
EPS growth	48.35%
EPS growth (Q)	50.85%
EPS growth (QoQ)	0%
EPS growth 10Y	16.14%
EPS growth 3Y	19.21%
EPS growth 5Y	8.26%
EPS growth quarters	5
EPS growth years	2
FCF growth	55.96%
FCF growth 3Y	30.6%
FCF growth 5Y	20.54%
Net income growth	70.08%
Net income growth (Q)	47.67%
Net income growth (QoQ)	0.19%
Net income growth 3Y	38.57%
Net income growth 5Y	18.56%
Net income growth quarters	5
Net income growth years	2
OCF growth	54.4%
OCF growth 10Y	19.16%
OCF growth 3Y	28%
OCF growth 5Y	19.37%
Revenue growth	30.63%
Revenue growth (Q)	12.62%
Revenue growth (QoQ)	-1.15%
Revenue growth 10Y	12.85%
Revenue growth 3Y	27.12%
Revenue growth 5Y	16.35%
Revenue growth quarters	12
Revenue growth years	2

Metric

Value

EPS growth

48.35%

EPS growth (Q)

50.85%

EPS growth (QoQ)

EPS growth 10Y

16.14%

EPS growth 3Y

19.21%

EPS growth 5Y

8.26%

EPS growth quarters

EPS growth years

FCF growth

55.96%

FCF growth 3Y

30.6%

FCF growth 5Y

20.54%

Net income growth

70.08%

Net income growth (Q)

47.67%

Net income growth (QoQ)

0.19%

Net income growth 3Y

38.57%

Net income growth 5Y

18.56%

Net income growth quarters

Net income growth years

OCF growth

54.4%

OCF growth 10Y

19.16%

OCF growth 3Y

28%

OCF growth 5Y

19.37%

Revenue growth

30.63%

Revenue growth (Q)

12.62%

Revenue growth (QoQ)

-1.15%

Revenue growth 10Y

12.85%

Revenue growth 3Y

27.12%

Revenue growth 5Y

16.35%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-48.1M
EPS	$13.20
FCF per share	$13.70
Financing cash flow	$-563.3M
Free cash flow	$1B
Gross profit	$2.9B
Income taxes	$261.5M
Investing cash flow	$-5.9B
Net borrowing	$-38M
Net cash flow	$-5.4B
Net income	$1B
Operating income	$1.4B
Revenue	$2.9B

Metric

Value

Capital expenditures

$-48.1M

EPS

$13.20

FCF per share

$13.70

Financing cash flow

$-563.3M

Free cash flow

$1B

Gross profit

$2.9B

Income taxes

$261.5M

Investing cash flow

$-5.9B

Net borrowing

$-38M

Net cash flow

$-5.4B

Net income

$1B

Operating income

$1.4B

Revenue

$2.9B

Metric	Value
Book value per share	$99.52
Debt / equity	0.45
Debt / FCF	3.43
Goodwill	$1.8B
Net cash (debt)	$2.4B
Net cash / market cap	24.28%
Net debt / equity	-0.31
Net debt / FCF	-2.35
Piotroski F-Score	4
Property, plant and equipment	$398.4M
Shareholders' equity	$7.9B
Tangible book value	$5.3B
Tangible book value per share	$69.84
Total assets	$72.7B
Total cash	$6B
Total debt	$3.6B
Total liabilities	$64.9B
WACC	6.52%

Metric

Value

Book value per share

$99.52

Debt / equity

0.45

Debt / FCF

3.43

Goodwill

$1.8B

Net cash (debt)

$2.4B

Net cash / market cap

24.28%

Net debt / equity

-0.31

Net debt / FCF

-2.35

Piotroski F-Score

Property, plant and equipment

$398.4M

Shareholders' equity

$7.9B

Tangible book value

$5.3B

Tangible book value per share

$69.84

Total assets

$72.7B

Total cash

$6B

Total debt

$3.6B

Total liabilities

$64.9B

WACC

6.52%

Metric	Value
Working capital	$-57.4B

Metric

Value

Working capital

$-57.4B

Metric	Value
Buyback yield / dilution	-14.38%
Dividend growth	11.88%
Dividend growth (10Y)	6.21%
Dividend growth (3Y)	5.6%
Dividend growth (5Y)	6.12%
Dividend growth years	33
Dividend payment date	2026-10-01
Dividend payment years	56
Dividend payout frequency	Quarterly
Dividend per share	$2.00
Dividend yield	1.52%
Ex-dividend date	2026-09-10
FCF payout ratio	13.06%
Last dividend	$0.50
Payout ratio	13.56%
Shareholder yield	-12.87%

Metric

Value

Buyback yield / dilution

-14.38%

Dividend growth

11.88%

Dividend growth (10Y)

6.21%

Dividend growth (3Y)

5.6%

Dividend growth (5Y)

6.12%

Dividend growth years

Dividend payment date

2026-10-01

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$2.00

Dividend yield

1.52%

Ex-dividend date

2026-09-10

FCF payout ratio

13.06%

Last dividend

$0.50

Payout ratio

13.56%

Shareholder yield

-12.87%

Metric	Value
10Y price change	113.34%
10Y return CAGR	9.7%
10Y total return	152.38%
150-day SMA	$134.47
15Y price change	247.17%
15Y return CAGR	10.52%
15Y total return	348.35%
1D price change	-1.16%
1M price change	-3.22%
1M total return	-3.22%
1W price change	-1.24%
1W total return	-1.24%
1Y price change	16.9%
1Y return CAGR	18.61%
1Y total return	18.6%
20-day SMA	$131.47
200-day SMA	$131.14
20Y price change	265.62%
20Y return CAGR	8.54%
20Y total return	414.62%
3M price change	-6.76%
3M total return	-6.43%
3Y price change	111.69%
3Y return CAGR	30.42%
3Y total return	121.89%
50-day SMA	$136.13
50-day SMA vs 200-day SMA	50over200
52-week high	$153.32
52-week high date	2026-08-17
52-week low	$103.38
52-week low date	2025-11-18
5Y price change	35.77%
5Y return CAGR	8.1%
5Y total return	47.61%
6M price change	5.86%
6M total return	6.59%
All-time high	$153.32
All-time high date	2026-08-17
All-time low	$5.39
All-time low date	1985-05-22
Average true range (ATR)	$3.17
Average volume	649.6K
Beta (1Y)	0.58
Beta (2Y)	1
Beta (5Y)	0.83
Change from 52-week high	-13.74%
Change from 52-week low	27.93%
Change from all-time high	-14.27%
Change from all-time low	2,337.69%
Change from open	-1.34%
Day's gap	0.19%
Dollar volume	$122.9M
High price	$134.49
Low price	$130.82
Monthly RSI	57.78
Open price	$134.05
Position in 52-week range	38.96%
Premarket change	1.64%
Premarket close	$133.80
Premarket price	$136.00
Previous close	$133.80
Price vs 150-day SMA	-2.25%
Price vs 20-day SMA	-0.02%
Price vs 200-day SMA	0.23%
Price vs 50-day SMA	-3.44%
Relative volume	1.43
RSI	44.82
Sharpe ratio	0.66
Sharpe ratio (3Y)	0.92
Sharpe ratio (5Y)	0.25
Sortino ratio	1.21
Sortino ratio (3Y)	1.6
Sortino ratio (5Y)	0.53
Volume	929.5K
Weekly RSI	46.99
YTD price change	14.26%
YTD total return	15.47%

Metric

Value

10Y price change

113.34%

10Y return CAGR

9.7%

10Y total return

152.38%

150-day SMA

$134.47

15Y price change

247.17%

15Y return CAGR

10.52%

15Y total return

348.35%

1D price change

-1.16%

1M price change

-3.22%

1M total return

-3.22%

1W price change

-1.24%

1W total return

-1.24%

1Y price change

16.9%

1Y return CAGR

18.61%

1Y total return

18.6%

20-day SMA

$131.47

200-day SMA

$131.14

20Y price change

265.62%

20Y return CAGR

8.54%

20Y total return

414.62%

3M price change

-6.76%

3M total return

-6.43%

3Y price change

111.69%

3Y return CAGR

30.42%

3Y total return

121.89%

50-day SMA

$136.13

50-day SMA vs 200-day SMA

50over200

52-week high

$153.32

52-week high date

2026-08-17

52-week low

$103.38

52-week low date

2025-11-18

5Y price change

35.77%

5Y return CAGR

8.1%

5Y total return

47.61%

6M price change

5.86%

6M total return

6.59%

All-time high

$153.32

All-time high date

2026-08-17

All-time low

$5.39

All-time low date

1985-05-22

Average true range (ATR)

$3.17

Average volume

649.6K

Beta (1Y)

0.58

Beta (2Y)

Beta (5Y)

0.83

Change from 52-week high

-13.74%

Change from 52-week low

27.93%

Change from all-time high

-14.27%

Change from all-time low

2,337.69%

Change from open

-1.34%

Day's gap

0.19%

Dollar volume

$122.9M

High price

$134.49

Low price

$130.82

Monthly RSI

57.78

Open price

$134.05

Position in 52-week range

38.96%

Premarket change

1.64%

Premarket close

$133.80

Premarket price

$136.00

Previous close

$133.80

Price vs 150-day SMA

-2.25%

Price vs 20-day SMA

-0.02%

Price vs 200-day SMA

0.23%

Price vs 50-day SMA

-3.44%

Relative volume

1.43

RSI

44.82

Sharpe ratio

0.66

Sharpe ratio (3Y)

0.92

Sharpe ratio (5Y)

0.25

Sortino ratio

1.21

Sortino ratio (3Y)

1.6

Sortino ratio (5Y)

0.53

Volume

929.5K

Weekly RSI

46.99

YTD price change

14.26%

YTD total return

15.47%

Metric	Value
Float	72.9M
Float percentage	95.98%
Shares change (QoQ)	0.15%
Shares change (YoY)	14.38%
Shares held by insiders	2.94%
Shares held by institutions	92.48%
Shares outstanding	76M
Short % of float	5.33%
Short % of shares	5.12%
Short ratio	5.8 days

Metric

Value

Float

72.9M

Float percentage

95.98%

Shares change (QoQ)

0.15%

Shares change (YoY)

14.38%

Shares held by insiders

2.94%

Shares held by institutions

92.48%

Shares outstanding

76M

Short % of float

5.33%

Short % of shares

5.12%

Short ratio

5.8 days

UMB Financial Corporation (UMBF)

Price

Financial snapshot

Fair-value bridge

Latest news · UMBF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All UMBF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

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Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

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