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UMB Financial Corporation (UMBF)

Profile

Full Name

UMB Financial Corporation

Ticker

NASDAQ: UMBF

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

March 17, 1980

Indexes

Not included

Website

https://www.umb.com

Employees

3698

Key Details

Price

$108.39(-1.45%)

Market cap

$8.23B(Mid cap)

Last Dividend

$0.40

TTM Dividend yield

1.47%

Annual revenue

$1.47B(+10.63% YoY)

Annual EPS

$8.99(+25.21% YoY)

PE ratio

12.46

Next earnings date

Oct 28, 2025

Next ex-dividend date

Sep 10, 2025

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $108.39
    UMBF price is $108.39

    30-Day Relative Volume

    1.29
    UMBF 30-day relative volume is 1.29

    Price Performance

    Price Most recent change

    -1.45%
    UMBF price was down -1.45% on Aug 1, 2025

    Price YTD change

    -3.96%
    UMBF price is down -3.96% since January 1st

    Price 1-year change

    +15.89%
    UMBF price is up +15.89% year-on-year

    Price 3-year change

    +17.03%
    UMBF price is up +17.03% over the past 3 years

    Price Range

    Price All-time high

    $129.94
    UMBF price is currently -16.58% below its historical high of $129.94

    Price 3-year low

    $50.68
    UMBF price is currently +113.87% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $8.23B
    UMBF market capitalization is $8.23 billion

    Market cap 3-year change

    +83.94%
    UMBF market capitalization is up +83.94% over the past 3 years

    Market cap All-time high

    $8.54B
    UMBF market capitalization is currently -3.68% below its historical high of $8.54 billion

    Market cap sector rank

    84.04%
    UMBF market capitalization is higher than 84.04% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +55.76%
    UMBF shares outstanding is up +55.76% year-on-year

    Shares Outstanding 3-Year Change

    +57.18%
    UMBF shares outstanding is up +57.18% over the past 3 years

    Technical Indicators

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    Beta

    1.16
    UMBF beta is 1.16

    200-day SMA

    $108.88
    UMBF price is currently -0.45% below its 200-day simple moving average

    50-day SMA

    $105.93
    UMBF price is currently +2.32% above its 50-day simple moving average

    RSI

    51.07
    UMBF 14-day relative strength index is 51.07

    Volume

    1.29
    UMBF 30-day relative volume is 1.29

    ATR

    $2.95
    UMBF average true range is $2.95

    10-day Historical Volatility

    13.97%
    UMBF 10-day historical volatility is 13.97%

    Dividend

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    Events

    Last Paid Dividend

    $0.40
    UMBF last dividend was $0.40 per share, with an ex-dividend date of June 10, 2025

    Next Dividend

    $0.40
    UMBF has announced a dividend of $0.40 per share, with an ex-dividend date set for September 10, 2025

    Dividend per share

    Dividend per share

    $1.57
    UMBF annual dividend per share is $1.57

    Dividend per share Sector Rank

    75.94%
    UMBF annual dividend per share is higher than 75.94% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +2.61%
    UMBF annual dividend per share is up +2.61% year-on-year

    Dividend per share 3-Year Change

    +13.77%
    UMBF annual dividend per share is up +13.77% over the past 3 years

    Dividend yield

    Dividend yield

    1.45%
    UMBF annual dividend yield is 1.45%

    Dividend yield Sector Rank

    10.99%
    UMBF annual dividend yield is higher than 10.99% of companies in Financial Services sector

    Other

    Payout ratio

    17.48%
    UMBF annual payout ratio is 17.48%

    Dividends paid

    $77.13M
    UMBF annual dividends paid is $77.13 million

    Free cash flow

    $201.08M
    UMBF annual free cash flow is $201.08 million

    Income Statement

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    Revenue

    Revenue

    $1.47B
    UMBF annual revenue is $1.47 billion

    Revenue Analysts estimate

    $2.58B
    UMBF annual revenue is currently -43.16% lower than the consensus analysts' forecast

    Revenue 1-year change

    +10.63%
    UMBF annual revenue is up +10.63% year-on-year

    Revenue Sector rank

    80.4%
    UMBF annual revenue is higher than 80.4% of companies in Financial Services sector

    EPS

    EPS

    $8.99
    UMBF annual earnings per share is $8.99

    EPS Analysts estimate

    $10.40
    UMBF annual earnings per share is currently -13.57% lower than the consensus analysts' forecast

    EPS 1-year change

    +25.21%
    UMBF annual earnings per share is up +25.21% year-on-year

    EPS Sector rank

    92.41%
    UMBF annual earnings per share is higher than 92.41% of companies in Financial Services sector

    Profit

    Gross profit

    -
    UMBF annual gross profit value is unknown

    Gross margin

    -
    UMBF annual gross profit margin value is unknown

    Operating profit

    -
    UMBF annual operating income value is unknown

    Operating margin

    -
    UMBF annual operating profit margin value is unknown

    Net income

    $441.24M
    UMBF annual net profit is $441.24 million

    Net margin

    30.08%
    UMBF annual net profit margin is 30.08%

    Expenses

    Total expenses

    -
    UMBF annual total expenses value is unknown

    Operating expenses

    $630.06M
    UMBF annual total operating expenses is $630.06 million

    Cost of goods sold

    -
    UMBF annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $622.35M
    UMBF annual SGA is $622.35 million

    Depreciation and amortization

    $52.77M
    UMBF annual depreciation & amortization is $52.77 million

    Interest expense

    -
    UMBF annual interest expense value is unknown

    Income tax

    $100.03M
    UMBF annual income tax is $100.03 million

    EBIT & EBITDA

    EBIT

    $1.71B
    UMBF annual earnings before interest & taxes is $1.71 billion

    EBITDA

    $1.76B
    UMBF annual EBITDA is $1.76 billion

    Balance Sheet

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    Assets

    Total assets

    $50.41B
    UMBF annual total assets is $50.41 billion

    Non current assets

    $40.84B
    UMBF annual long term assets is $40.84 billion

    Current assets

    $17.30B
    UMBF annual total current assets is $17.30 billion

    Cash and cash equivalents

    $8.56B
    UMBF annual cash & cash equivalents is $8.56 billion

    Accounts receivable

    -
    UMBF annual accounts receivable value is unknown

    Inventory

    -
    UMBF annual inventory value is unknown

    Liabilities

    Total liabilities

    $46.94B
    UMBF annual total liabilities is $46.94 billion

    Long term liabilities

    $43.53B
    UMBF annual total long term liabilities is $43.53 billion

    Current liabilities

    $2.98B
    UMBF annual total current liabilities is $2.98 billion

    Accounts payable

    -
    UMBF annual accounts payable value is unknown

    Debt

    Total debt

    $385.29M
    UMBF annual total debt is $385.29 million

    Total debt 1-year change

    -72.15%
    UMBF annual total debt is down -72.15% year-on-year

    Long term debt

    $385.29M
    UMBF annual long term debt is $385.29 million

    Short term debt

    $0.00
    UMBF annual short term debt is $0.00

    Equity & Capital

    Shareholders equity

    $3.47B
    UMBF annual stockholders equity is $3.47 billion

    Book value

    $3.47B
    UMBF annual book value is $3.47 billion

    Retained earnings

    $3.17B
    UMBF annual retained earnings is $3.17 billion

    Working capital

    $14.33B
    UMBF annual working capital is $14.33 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $225.29M
    UMBF annual cash flow from operations is $225.29 million

    Cash from operations 1-year change

    -52.33%
    UMBF annual cash flow from operations is down -52.33% year-on-year

    Cash from investing

    -$3.26B
    UMBF annual cash flow from investing activities is -$3.26 billion

    Cash from investing 1-year change

    -156.23%
    UMBF annual cash flow from investing activities is down -156.23% year-on-year

    Cash from financing

    $5.96B
    UMBF annual cash flow from financing activities is $5.96 billion

    Cash from financing 1-year change

    +24.87%
    UMBF annual cash flow from financing activities is up +24.87% year-on-year

    CAPEX

    CAPEX

    $24.21M
    UMBF annual capital expenditures is $24.21 million

    CAPEX 1-year change

    -10.05%
    UMBF annual capital expenditures is down -10.05% year-on-year

    Free Cash Flow

    Free cash flow

    $201.08M
    UMBF annual free cash flow is $201.08 million

    Free cash flow 1-year change

    -54.88%
    UMBF annual free cash flow is down -54.88% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    -
    UMBF annual gross profit margin value is unknown

    Operating margin

    -
    UMBF annual operating profit margin value is unknown

    Net margin

    30.08%
    UMBF annual net profit margin is 30.08%

    ROA & ROE

    ROA

    0.93%
    UMBF annual return on assets is 0.93%

    ROE

    13.44%
    UMBF annual return on equity is 13.44%

    Valuation

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    PE Ratio

    PE ratio

    12.46
    UMBF price to earnings ratio is 12.46

    PE ratio Sector rank

    41.86%
    UMBF price to earnings ratio is higher than 41.86% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.20
    UMBF price to book ratio is 1.20

    PB ratio Sector rank

    53.31%
    UMBF price to book ratio is higher than 53.31% of companies in Financial Services sector

    PS Ratio

    PS ratio

    4.33
    UMBF price to sales ratio is 4.33

    PS ratio Sector rank

    74.08%
    UMBF price to sales ratio is higher than 74.08% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    -$2.44B
    UMBF enterprise value is -$2.44 billion

    Enterprise value Sector rank

    0.78%
    UMBF enterprise value is higher than 0.78% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -1.19
    UMBF EV/EBITDA is -1.19

    EV/EBITDA Sector rank

    35.47%
    UMBF EV/EBITDA is higher than 35.47% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    5.81
    UMBF annual current ratio is 5.81

    Quick ratio

    -
    UMBF annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.11
    UMBF annual debt to equity ratio is 0.11

    Interest coverage ratio

    -
    UMBF annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    -
    UMBF piotroski f-score value is unknown

    Altman Z-Score

    0.68
    UMBF altman z-score is 0.68

    Analyst ratings

    Recent major analysts updates

    Aug 1, 25 Wells Fargo
    Equal-Weight
    Jul 31, 25 Raymond James
    Strong Buy
    Jul 31, 25 RBC Capital
    Sector Perform
    Jul 31, 25 Piper Sandler
    Overweight
    Jul 31, 25 Barclays
    Overweight
    Jul 11, 25 Truist Securities
    Buy
    Jul 10, 25 Wells Fargo
    Equal-Weight
    Jul 8, 25 Barclays
    Overweight
    Jun 13, 25 Piper Sandler
    Overweight
    May 13, 25 Truist Securities
    Buy

    Institutional Ownership

    Screeners with UMBF included

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    • What is the ticker symbol for UMB Financial Corporation?
    • Does UMB Financial Corporation pay dividends?
    • What sector is UMB Financial Corporation in?
    • What industry is UMB Financial Corporation in?
    • What country is UMB Financial Corporation based in?
    • When did UMB Financial Corporation go public?
    • Is UMB Financial Corporation in the S&P 500?
    • Is UMB Financial Corporation in the NASDAQ 100?
    • Is UMB Financial Corporation in the Dow Jones?
    • When was UMB Financial Corporation's last earnings report?
    • When does UMB Financial Corporation report earnings?

    What is the ticker symbol for UMB Financial Corporation?

    The ticker symbol for UMB Financial Corporation is NASDAQ:UMBF

    Does UMB Financial Corporation pay dividends?

    Yes, UMB Financial Corporation pays dividends. The last payment was $0.40, with an ex-dividend date on June 10, 2025

    What sector is UMB Financial Corporation in?

    UMB Financial Corporation is in the Financial Services sector

    What industry is UMB Financial Corporation in?

    UMB Financial Corporation is in the Regional Banks industry

    What country is UMB Financial Corporation based in?

    UMB Financial Corporation is headquartered in United States

    When did UMB Financial Corporation go public?

    UMB Financial Corporation's initial public offering (IPO) was on March 17, 1980

    Is UMB Financial Corporation in the S&P 500?

    No, UMB Financial Corporation is not included in the S&P 500 index

    Is UMB Financial Corporation in the NASDAQ 100?

    No, UMB Financial Corporation is not included in the NASDAQ 100 index

    Is UMB Financial Corporation in the Dow Jones?

    No, UMB Financial Corporation is not included in the Dow Jones index

    When was UMB Financial Corporation's last earnings report?

    UMB Financial Corporation's most recent earnings report was on July 29, 2025

    When does UMB Financial Corporation report earnings?

    The next expected earnings date for UMB Financial Corporation is October 28, 2025
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