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.

Financial snapshot

Revenue (ttm): 2.9B
Net income (ttm): 1B
EPS (ttm): $13.2
P/E (trailing): 10.0x
P/E (forward): 9.7x
Market cap: 10B

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%	Zdecydowanie kupuj
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Zdecydowanie kupuj
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Trzymaj

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.7

P25 n/aP50 n/aP75 n/a

Trailing P/E10

P25 n/aP50 n/aP75 n/a

ROE13.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All UMBF indicators

Market & fundamental data

Available fields

247

Groups with data

Currency

USD

Showing 247 of 247 available metrics for this ticker.

Profile and market data

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

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

Valuation

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

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

Profitability

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

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%

Growth

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

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

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

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-57.4B

Dividends and buybacks

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

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%

Performance and technicals

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

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%

Ownership and float

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

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

Deeper analysis on UMBF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this UMBF report

Is a complete UMBF research report available?

No complete published report is available for UMB Financial Corporation (UMBF) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on UMBF

Frequently asked questions