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UMB Financial Corporation

$139.49 +$23.01 (+19.75%)
NASDAQ · 11 Sep 2026 20:00 UTC
Previous Close
$139.37
Day Range
$138.16$141.5
Year Range
$103.38$153.32
Market Cap
10.59B
AVG Volume
626.04K
Trailing/Forward PE
11.55/9.99
PEG ratio
2.12
Dividend Yield
1.28%
Next Earnings Date
2026-10-27
Primary Exchange
NASDAQUS
Revenue (USD)
02B4B6B2016201720182019202020212022202320242025
UMBF Revenue (USD) by year
PeriodRevenue (USD)
20254.44B
20242.64B
20232.24B
20221.58B
20211.24B
20201.3B
20191.22B
20181.07B
2017978.67M
2016900.71M
Net Income (USD)
0200M400M600M800M2016201720182019202020212022202320242025
UMBF Net Income (USD) by year
PeriodNet Income (USD)
2025702.4M
2024441.24M
2023350.02M
2022431.68M
2021353.02M
2020286.5M
2019243.6M
2018195.51M
2017247.1M
2016158.8M
Operating Income (USD)
0250M500M750M1B2016201720182019202020212022202320242025
UMBF Operating Income (USD) by year
PeriodOperating Income (USD)
2025899.96M
2024541.27M
2023421.6M
2022532.01M
2021429.06M
2020338.89M
2019285.96M
2018223.59M
2017236.35M
2016201.42M
EBITDA (USD)
0500M1B1.5B2016201720182019202020212022202320242025
UMBF EBITDA (USD) by year
PeriodEBITDA (USD)
20251.06B
2024594.04M
2023480.6M
2022586.03M
2021484.81M
2020401.69M
2019342.22M
2018276.71M
2017291.22M
2016255.98M
Cash Flows (USD)
0250M500M750M1B2016201720182019202020212022202320242025
UMBF Cash Flows (USD) by year
PeriodCash Flows (USD)
2025978.11M
2024201.08M
2023445.69M
2022717.84M
2021500.39M
2020312.9M
2019269.11M
2018239.16M
2017290.08M
2016245.63M
EPS (USD)
02.557.5102016201720182019202020212022202320242025
UMBF EPS (USD) by year
PeriodEPS (USD)
20259.13
20248.99
20237.18
20228.87
20217.25
20205.95
20194.96
20183.93
20174.97
20163.22
Expenses (USD)
0500M1B1.5BSG&ACapex2016201720182019202020212022202320242025
UMBF Expenses (USD) by year
PeriodExpenses (USD)
20251.19B
2024646.56M
2023606.08M
2022616.73M
2021583.54M
2020596.17M
2019590.2M
2018530.2M
2017504.45M
2016516.73M
Cash & Debt (USD)
010B20B30BCashLong Term DebtShort Term Debt2016201720182019202020212022202320242025
UMBF Cash & Debt (USD) by year
PeriodCash & Debt (USD)
2025952.55M
202416.33B
202312.68B
20228.69B
202121.23B
202012.84B
20199.15B
20188.24B
20178B
20167.6B
Debt ratios
-15-10-50520182019202020212022202320242025
UMBF Debt ratios by year
PeriodDebt ratios
20251.05
2024-6.22
2023-4.7
2022-3.35
2021-11.77
2020-7.82
2019-6.16
2018-6.4
Margins
0%25%50%75%100%2016201720182019202020212022202320242025
UMBF Margins by year
PeriodMargins
202554.41%
202453.31%
202357.24%
202283.47%
202194.69%
202083.96%
201981.57%
201882.02%
201789.88%
201693.32%
Return on Capital
0%5%10%15%20%2016201720182019202020212022202320242025
UMBF Return on Capital by year
PeriodReturn on Capital
20259.13%
202412.73%
202311.29%
202216.19%
202111.22%
20209.5%
20199.35%
20188.77%
201711.33%
20168.09%
Shares Outstanding
020M40M60M80M2016201720182019202020212022202320242025
UMBF Shares Outstanding by year
PeriodShares Outstanding
202575.92M
202448.81M
202348.54M
202248.31M
202148.37M
202047.93M
201948.83M
201848.9M
201749.23M
201648.94M
Dividends (USD)
00.511.522017201820192020202120222023202420252026
UMBF Dividends (USD) by year
PeriodDividends (USD)
20261.36
20251.63
20241.57
20231.53
20221.49
20211.38
20201.25
20191.21
20181.17
20171.04
Employee Count
02K4K6K2016201720182019202020212022202320242025
UMBF Employee Count by year
PeriodEmployee Count
20255.22K
20243.7K
20233.6K
20223.77K
20213.53K
20203.59K
20193.67K
20183.57K
20173.57K
20163.69K
Book Value Per Share (USD)
0501001502016201720182019202020212022202320242025
UMBF Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
2025101.34
202471.03
202363.88
202255.21
202165.03
202062.95
201953.38
201845.57
201744.31
201640.1
Total Assets (USD)
020B40B60B80B2016201720182019202020212022202320242025
UMBF Total Assets (USD) by year
PeriodTotal Assets (USD)
202573.09B
202450.41B
202344.01B
202238.51B
202142.69B
202033.13B
201926.56B
201823.35B
201721.77B
201620.68B
PE Ratio
7.51012.51517.520med 14.11Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UMBF PE Ratio by year
PeriodPE Ratio
Sep 2611.24
Sep 2611.59
Aug 2611.65
Aug 2611.7
Aug 2612.25
Aug 2611.73
Jul 2611.74
Jul 2612.17
Jul 2612.59
Jul 2612.46
Jul 2612.4
Jun 2612.49
Jun 2611.47
Jun 2611.67
Jun 2611.2
May 2611.32
May 2611.31
May 2610.75
May 2611.32
May 2611.14
Apr 2613.21
Apr 2613.36
Apr 2613
Apr 2612.43
Mar 2611.78
Mar 2611.79
Mar 2611.93
Mar 2612.27
Feb 2612.53
Feb 2615.68
Feb 2615.92
Feb 2616.6
Jan 2615.71
Jan 2615.22
Jan 2615.09
Jan 2615.02
Jan 2614.4
Dec 2514.7
Dec 2514.7
Dec 2514.61
Dec 2514.21
Nov 2513.73
Nov 2513.45
Nov 2513.4
Nov 2513.47
Oct 2513.21
Oct 2516.32
Oct 2515.64
Oct 2516.24
Oct 2517.17
Sep 2517.16
Sep 2517.61
Sep 2517.33
Sep 2517.89
Aug 2517.52
Aug 2517.47
Aug 2516.54
Aug 2515.83
Aug 2515.57
Jul 2517.06
Jul 2517.32
Jul 2517.39
Jul 2517.41
Jun 2516.73
Jun 2515.88
Jun 2515.89
Jun 2516.54
May 2516.27
May 2516.02
May 2516.89
May 2516.26
May 2515.83
Apr 2510.58
Apr 2510.12
Apr 259.56
Apr 259.61
Mar 2511.08
Mar 2511.32
Mar 2511.22
Mar 2511.4
Feb 2512.2
Feb 2513.3
Feb 2513.91
Feb 2514.19
Jan 2514.66
Jan 2515.05
Jan 2514.87
Jan 2513.65
Jan 2514.09
Dec 2414.14
Dec 2414.25
Dec 2415.2
Dec 2415.54
Nov 2415.61
Nov 2415.55
Nov 2415.11
Nov 2415.19
Nov 2413.47
Oct 2413.38
Oct 2414.06
Free Cash Flow Yield
2.5%5%7.5%10%12.5%med 7.98%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UMBF Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Sep 2610.04%
Sep 269.74%
Aug 269.68%
Aug 269.65%
Aug 269.21%
Aug 269.62%
Jul 269.61%
Jul 269.13%
Jul 268.83%
Jul 268.91%
Jul 268.96%
Jun 268.9%
Jun 269.69%
Jun 269.52%
Jun 269.92%
May 269.82%
May 269.82%
May 2610.34%
May 269.81%
May 269.97%
Apr 2610.54%
Apr 2610.42%
Apr 2610.72%
Apr 2611.2%
Mar 2611.82%
Mar 2611.82%
Mar 2611.67%
Mar 2611.35%
Feb 2611.12%
Feb 268.47%
Feb 268.34%
Feb 268%
Jan 268.45%
Jan 268.72%
Jan 268.8%
Jan 268.84%
Jan 269.22%
Dec 259.03%
Dec 259.03%
Dec 259.09%
Dec 259.34%
Nov 259.67%
Nov 259.87%
Nov 259.91%
Nov 259.85%
Oct 2510.05%
Oct 257.72%
Oct 258.05%
Oct 257.76%
Oct 257.34%
Sep 257.34%
Sep 257.15%
Sep 257.27%
Sep 257.04%
Aug 257.19%
Aug 257.21%
Aug 257.62%
Aug 257.96%
Aug 258.09%
Jul 257.13%
Jul 257.02%
Jul 256.99%
Jul 256.99%
Jun 257.27%
Jun 257.66%
Jun 257.65%
Jun 257.36%
May 257.47%
May 257.59%
May 257.2%
May 257.48%
May 257.68%
Apr 254.31%
Apr 254.5%
Apr 254.77%
Apr 254.74%
Mar 254.11%
Mar 254.03%
Mar 254.06%
Mar 254%
Feb 253.73%
Feb 256.89%
Feb 256.59%
Feb 256.46%
Jan 256.25%
Jan 256.09%
Jan 256.16%
Jan 256.71%
Jan 256.51%
Dec 246.48%
Dec 246.43%
Dec 246.03%
Dec 245.9%
Nov 245.87%
Nov 245.89%
Nov 246.06%
Nov 246.03%
Nov 246.8%
Oct 249.22%
Oct 248.78%
Price to Sales
1.522.53med 2.29Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UMBF Price to Sales by year
PeriodPrice to Sales
Sep 262.32
Sep 262.39
Aug 262.41
Aug 262.42
Aug 262.53
Aug 262.43
Jul 262.43
Jul 262.41
Jul 262.49
Jul 262.47
Jul 262.45
Jun 262.47
Jun 262.27
Jun 262.31
Jun 262.22
May 262.24
May 262.24
May 262.13
May 262.24
May 262.2
Apr 262.09
Apr 262.11
Apr 262.05
Apr 261.97
Mar 261.86
Mar 261.86
Mar 261.89
Mar 261.94
Feb 261.98
Feb 262.36
Feb 262.39
Feb 262.5
Jan 262.36
Jan 262.29
Jan 262.27
Jan 262.26
Jan 262.16
Dec 252.21
Dec 252.21
Dec 252.2
Dec 252.14
Nov 252.06
Nov 252.02
Nov 252.01
Nov 252.02
Oct 251.99
Oct 252.68
Oct 252.57
Oct 252.66
Oct 252.82
Sep 252.81
Sep 252.89
Sep 252.84
Sep 252.93
Aug 252.87
Aug 252.87
Aug 252.71
Aug 252.6
Aug 252.55
Jul 252.47
Jul 252.51
Jul 252.52
Jul 252.52
Jun 252.42
Jun 252.3
Jun 252.3
Jun 252.4
May 252.36
May 252.32
May 252.45
May 252.35
May 252.29
Apr 251.77
Apr 251.69
Apr 251.6
Apr 251.61
Mar 251.85
Mar 251.89
Mar 251.88
Mar 251.91
Feb 252.04
Feb 252.04
Feb 252.13
Feb 252.18
Jan 252.25
Jan 252.31
Jan 252.28
Jan 252.09
Jan 252.16
Dec 242.17
Dec 242.19
Dec 242.33
Dec 242.38
Nov 242.39
Nov 242.38
Nov 242.32
Nov 242.33
Nov 242.06
Oct 242.07
Oct 242.17
EV/EBITDA
-30-20-1001020med -5.97Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UMBF EV/EBITDA by year
PeriodEV/EBITDA
Sep 2611.53
Sep 2611.81
Aug 2611.87
Aug 2611.9
Aug 2612.36
Aug 2611.93
Jul 2611.94
Jul 2612.9
Jul 2613.24
Jul 2613.14
Jul 2613.09
Jun 2613.16
Jun 2612.33
Jun 2612.5
Jun 2612.11
May 2612.21
May 2612.2
May 2611.75
May 2612.22
May 2612.07
Apr 2611.44
Apr 2611.54
Apr 2611.3
Apr 2610.92
Mar 2610.49
Mar 2610.49
Mar 2610.59
Mar 2610.81
Feb 2610.98
Feb 26-5.31
Feb 26-5.15
Feb 26-4.69
Jan 26-5.29
Jan 26-5.62
Jan 26-5.71
Jan 26-5.76
Jan 26-6.18
Dec 25-5.98
Dec 25-5.97
Dec 25-6.04
Dec 25-6.31
Nov 25-6.63
Nov 25-6.82
Nov 25-6.86
Nov 25-6.81
Oct 25-6.98
Oct 250.83
Oct 250.35
Oct 250.78
Oct 251.44
Sep 251.43
Sep 251.75
Sep 251.55
Sep 251.95
Aug 251.69
Aug 251.65
Aug 250.99
Aug 250.49
Aug 250.3
Jul 25-20
Jul 25-19.82
Jul 25-19.76
Jul 25-19.75
Jun 25-20.24
Jun 25-20.85
Jun 25-20.85
Jun 25-20.38
May 25-20.57
May 25-20.76
May 25-20.12
May 25-20.58
May 25-20.89
Apr 25-14.59
Apr 25-14.94
Apr 25-15.36
Apr 25-15.32
Mar 25-14.22
Mar 25-14.05
Mar 25-14.12
Mar 25-13.99
Feb 25-13.39
Feb 25-12.27
Feb 25-11.82
Feb 25-11.61
Jan 25-11.27
Jan 25-10.98
Jan 25-11.11
Jan 25-12.01
Jan 25-11.69
Dec 24-11.65
Dec 24-11.57
Dec 24-10.87
Dec 24-10.62
Nov 24-10.57
Nov 24-10.61
Nov 24-10.94
Nov 24-10.88
Nov 24-12.15
Oct 24-7.81
Oct 24-7.32
Price/Operating Cashflow
510152025med 11.83Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UMBF Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Sep 269.73
Sep 2610.03
Aug 2610.09
Aug 2610.13
Aug 2610.61
Aug 2610.16
Jul 2610.17
Jul 2610.48
Jul 2610.84
Jul 2610.73
Jul 2610.67
Jun 2610.76
Jun 269.88
Jun 2610.05
Jun 269.64
May 269.74
May 269.74
May 269.25
May 269.75
May 269.59
Apr 269.04
Apr 269.14
Apr 268.89
Apr 268.51
Mar 268.06
Mar 268.06
Mar 268.16
Mar 268.39
Feb 268.57
Feb 2611.15
Feb 2611.32
Feb 2611.8
Jan 2611.17
Jan 2610.82
Jan 2610.73
Jan 2610.68
Jan 2610.24
Dec 2510.45
Dec 2510.45
Dec 2510.38
Dec 2510.1
Nov 259.76
Nov 259.56
Nov 259.53
Nov 259.58
Oct 259.39
Oct 2512.23
Oct 2511.72
Oct 2512.17
Oct 2512.87
Sep 2512.86
Sep 2513.19
Sep 2512.98
Sep 2513.4
Aug 2513.12
Aug 2513.09
Aug 2512.39
Aug 2511.86
Aug 2511.67
Jul 2513.22
Jul 2513.42
Jul 2513.47
Jul 2513.49
Jun 2512.96
Jun 2512.31
Jun 2512.31
Jun 2512.81
May 2512.61
May 2512.41
May 2513.09
May 2512.6
May 2512.27
Apr 2520.72
Apr 2519.83
Apr 2518.72
Apr 2518.82
Mar 2521.71
Mar 2522.17
Mar 2521.97
Mar 2522.33
Feb 2523.9
Feb 2513.83
Feb 2514.47
Feb 2514.76
Jan 2515.25
Jan 2515.65
Jan 2515.47
Jan 2514.2
Jan 2514.65
Dec 2414.7
Dec 2414.82
Dec 2415.8
Dec 2416.16
Nov 2416.23
Nov 2416.17
Nov 2415.71
Nov 2415.79
Nov 2414
Oct 2410.44
Oct 2410.97
Price to Book
0.811.21.41.61.8med 1.27Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UMBF Price to Book by year
PeriodPrice to Book
Sep 261.32
Sep 261.36
Aug 261.37
Aug 261.37
Aug 261.44
Aug 261.38
Jul 261.38
Jul 261.37
Jul 261.42
Jul 261.41
Jul 261.4
Jun 261.41
Jun 261.29
Jun 261.32
Jun 261.26
May 261.28
May 261.28
May 261.21
May 261.28
May 261.26
Apr 261.21
Apr 261.22
Apr 261.19
Apr 261.14
Mar 261.08
Mar 261.08
Mar 261.09
Mar 261.12
Feb 261.14
Feb 261.28
Feb 261.3
Feb 261.35
Jan 261.28
Jan 261.24
Jan 261.23
Jan 261.22
Jan 261.17
Dec 251.2
Dec 251.2
Dec 251.19
Dec 251.16
Nov 251.12
Nov 251.1
Nov 251.09
Nov 251.1
Oct 251.08
Oct 251.18
Oct 251.13
Oct 251.18
Oct 251.25
Sep 251.24
Sep 251.28
Sep 251.26
Sep 251.3
Aug 251.27
Aug 251.27
Aug 251.2
Aug 251.15
Aug 251.13
Jul 251.04
Jul 251.06
Jul 251.06
Jul 251.06
Jun 251.02
Jun 250.97
Jun 250.97
Jun 251.01
May 250.99
May 250.98
May 251.03
May 250.99
May 250.97
Apr 251.35
Apr 251.29
Apr 251.22
Apr 251.22
Mar 251.41
Mar 251.44
Mar 251.43
Mar 251.45
Feb 251.55
Feb 251.47
Feb 251.54
Feb 251.57
Jan 251.63
Jan 251.67
Jan 251.65
Jan 251.51
Jan 251.56
Dec 241.57
Dec 241.58
Dec 241.69
Dec 241.72
Nov 241.73
Nov 241.72
Nov 241.68
Nov 241.68
Nov 241.49
Oct 241.57
Oct 241.65
UMB Financial Corporation
UMBF
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News: UMBF

Here's Why UMB Financial (UMBF) is a Strong Value Stock

zacks.com · 10 Sep 2026

Here's Why UMB Financial (UMBF) is a Strong Value Stock

The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.

UMB Financial Corporation's Growth And Quality Justify Optimism

seekingalpha.com · 4 Sep 2026

UMB Financial Corporation's Growth And Quality Justify Optimism

UMB Financial Corporation earns a soft ‘buy' rating for robust growth, high asset quality, and reasonable valuation. UMBF's institutional custody business surged 19% YoY to $250B AUC, supporting diversified revenue and Texas expansion. Despite 48.4% of deposits remaining uninsured, management is actively reducing exposure and improving deposit quality.

B. Metzler seel. Sohn & Co. AG Acquires 5,621 Shares of UMB Financial Corporation $UMBF

defenseworld.net · 4 Sep 2026

B. Metzler seel. Sohn & Co. AG Acquires 5,621 Shares of UMB Financial Corporation $UMBF

B. Metzler seel. Sohn and Co. AG increased its stake in shares of UMB Financial Corporation (NASDAQ: UMBF) by 14.7% during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor owned 43,882 shares of the bank's stock after buying an

UMB Financial: Strong Capital And Rate Tailwinds Enable Further Upside

seekingalpha.com · 3 Sep 2026

UMB Financial: Strong Capital And Rate Tailwinds Enable Further Upside

UMB Financial remains a buy with over 10% upside, supported by strong capital, loan growth, and fixed income reinvestment tailwinds. Recent Heartland integration has enhanced scale and branch density, positioning UMBF for continued organic growth below the $100B regulatory threshold. Q2 earnings of $3.57 beat estimates, with robust credit quality—net charge-offs at 16 bps and reserves covering over 3x nonperforming loans.

UMB Financial: Attractive Entry After Strong Q2 Growth, Efficiency Gains, And Heartland Integration

seekingalpha.com · 3 Sep 2026

UMB Financial: Attractive Entry After Strong Q2 Growth, Efficiency Gains, And Heartland Integration

UMB Financial Corporation delivered 12.8% revenue growth in Q2 2026, beating expectations with strong loan portfolio expansion and commission-based revenue streams. UMBF trades at a discounted 11.5x GAAP P/E and 1.35x P/B, offering an attractive risk-reward profile versus sector peers despite robust profitability and low loan write-offs. Revenue diversification—68% net interest, 32% non-interest—provides resilience against rate volatility, while operational efficiency improved to a 44.8% ratio.

Is UMB Financial (UMBF) Stock Undervalued Right Now?

zacks.com · 2 Sep 2026

Is UMB Financial (UMBF) Stock Undervalued Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Shankar Ram Liquidates 2,000 UMB Financial Shares

fool.com · 31 Aug 2026

Shankar Ram Liquidates 2,000 UMB Financial Shares

Despite the 6% reduction in direct holdings, the insider maintains 30,389 shares directly.

Here Are Friday’s Top Wall Street Analyst Research Calls: Baozun, Commerce Bancshares, Element Solutions, Evolution Petroleum, Petrobras, Rythm Pharmaceuticals, Terawulf, UMB Financial, Workday, and More

247wallst.com · 28 Aug 2026

Here Are Friday’s Top Wall Street Analyst Research Calls: Baozun, Commerce Bancshares, Element Solutions, Evolution Petroleum, Petrobras, Rythm Pharmaceuticals, Terawulf, UMB Financial, Workday, and More

NVIDIA's blockbuster earnings sent shockwaves through tech on Thursday, but Wall Street analysts were busy reshaping the landscape elsewhere, issuing a flurry of upgrades, downgrades, and fresh initiations across energy, crypto infrastructure, banking, and biotech.

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