UMB Financial Corporation Financial Ratios — UMB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	9.46	9.93	9.62	7.66	6.56	8.24	11.93	8.87	10.08	10.19	11.46	14.85	12.14	13.44	12.6
Return on Assets (%)	0.82	0.86	0.84	0.7	0.63	0.8	1.16	0.87	0.98	0.96	0.93	1.06	0.85	0.93	1.14
Return on Capital (%)	9.2	9.84	9.58	7.63	6.38	7.89	11.49	8.55	9.77	9.61	10.53	13.35	9.29	10.69	11.98
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.99	24.01	24.62	21.48	17.66	23.61	25.67	23.59	27.82	27.82	35.87	39.13	31.8	36.9	36.01
Profit Margin (%)	15.99	17.31	17.89	15.61	15.98	18.88	26.84	20.63	23.7	23.52	29.52	31.75	26.4	30.08	28.91
Net Income to Common Margin (%)	15.99	17.31	17.89	15.61	15.98	18.88	26.84	20.63	23.7	23.52	29.52	31.75	26.4	30.08	28.17
Effective Tax Rate (%)	27.25	27.91	27.35	27.34	24.73	22.64	22.58	12.22	14.81	15.46	17.72	18.86	16.98	18.48	19.72
Dvd Payout Ratio (%)	29.87	27.53	27	34.28	47.61	31.92	28.35	29.69	24.4	21.04	18.91	16.69	21.21	17.48	17.21
Sustainable Growth Rate (%)	6.63	7.2	7.02	5.03	3.44	5.61	8.54	6.23	7.62	8.05	9.29	12.38	9.56	11.09	10.43

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	19	6	5	9	91	77	79	83	70	270	272	381	1,383	309	254
ST Debt	12	- -	- -	- -	5	- -	- -	- -	- -	- -	- -	- -	1,000	- -	- -
LT Debt	7	6	5	9	86	77	79	83	70	270	272	381	383	309	254
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.8	8.57	8.91	9.39	9.92	9.49	10.02	9.54	9.81	9.11	7.37	6.93	7.04	6.88	10.12
Long-Term Debt/Equity (%)	0.55	0.46	0.34	0.54	4.55	3.91	3.63	3.71	2.7	8.94	8.63	14.3	12.36	8.9	3.3
Long-Term Debt/Capital (%)	0.54	0.46	0.33	0.53	4.34	3.76	3.51	3.58	2.63	8.2	7.95	12.51	8.55	8.17	3.2
Long-Term Debt/Total Assets (%)	0.05	0.04	0.03	0.05	0.45	0.37	0.36	0.35	0.26	0.81	0.64	0.99	0.87	0.61	0.35
Total Debt/Equity (%)	1.56	0.46	0.34	0.54	4.81	3.91	3.63	3.71	2.7	8.94	8.63	14.3	44.61	8.9	3.3
Total Debt/Capital (%)	1.53	0.46	0.34	0.53	4.59	3.76	3.51	3.58	2.63	8.2	7.95	12.51	30.85	8.17	3.2
Total Debt/Total Assets (%)	0.14	0.04	0.03	0.05	0.48	0.37	0.36	0.35	0.26	0.81	0.64	0.99	3.14	0.61	0.35
Net Debt to Equity	-133.66	-108.05	-173.25	-120.14	-47	-54.08	-76.33	-72.26	-62.46	-108.42	-285.63	-48.69	-136.23	-238.02	-99.29
Net Debt/Capital (%)	397.1	1,341.48	236.51	596.43	-88.68	-117.75	-322.51	-260.48	-166.41	1,287.13	153.87	-94.88	376	172.46	-13,969.91
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.8	8.57	8.91	9.39	9.92	9.49	10.02	9.54	9.81	9.11	7.37	6.93	7.04	6.88	10.12
Long-Term Debt/Equity (%)	0.55	0.46	0.34	0.54	4.55	3.91	3.63	3.71	2.7	8.94	8.63	14.3	12.36	8.9	3.3
Long-Term Debt/Capital (%)	0.54	0.46	0.33	0.53	4.34	3.76	3.51	3.58	2.63	8.2	7.95	12.51	8.55	8.17	3.2
Long-Term Debt/Total Assets (%)	0.05	0.04	0.03	0.05	0.45	0.37	0.36	0.35	0.26	0.81	0.64	0.99	0.87	0.61	0.35
Total Debt/Equity (%)	1.56	0.46	0.34	0.54	4.81	3.91	3.63	3.71	2.7	8.94	8.63	14.3	44.61	8.9	3.3
Total Debt/Capital (%)	1.53	0.46	0.34	0.53	4.59	3.76	3.51	3.58	2.63	8.2	7.95	12.51	30.85	8.17	3.2
Total Debt/Total Assets (%)	0.14	0.04	0.03	0.05	0.48	0.37	0.36	0.35	0.26	0.81	0.64	0.99	3.14	0.61	0.35
CFO/Total Liabilities	1.73	1.64	1.92	1.55	1.23	1.58	1.67	1.4	1.42	1.24	1.35	2.15	1.16	0.48	1.57
CFO/CapEx	5.99	5.08	7.7	5.48	3.94	5.83	8.96	5.1	4.7	6.2	15.85	14.88	20.46	11.26	21.13
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

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Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	1,611	1,388	2,614	1,984	981	1,138	1,744	1,693	1,698	3,541	9,256	1,680	5,607	8,559	7,893
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	294
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	19	6	5	9	91	77	79	83	70	270	272	381	1,383	309	254
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	1,210	1,285	1,511	1,653	1,985	2,039	2,261	2,311	2,677	3,287	3,417	3,048	4,484	3,775	7,948
Total Debt/Capital (%)	1.53	0.46	0.34	0.53	4.59	3.76	3.51	3.58	2.63	8.2	7.95	12.51	30.85	8.17	3.2
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	666	709	749	773	726	841	921	948	1,028	1,218	1,196	1,359	1,326	1,467	2,430
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	213	224	295	246	212	296	327	296	340	374	534	770	473	225	1,027
TTM Free Cash Flow to Firm	177	180	257	201	158	246	290	238	268	313	500	718	450	205	978

Multiples (USD)

Valuation Multiples API ChatGPT

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Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	40	40	45	46	49	50	50	49	49	48	48	48	49	49	76
Diluted Weighted Avg Shares	40	40	41	46	48	49	50	50	49	48	49	49	49	49	74
Basic Weighted Avg Shares	40	40	41	45	47	49	49	49	49	48	48	48	49	49	73
Revenue per Share	16.63	17.71	18.14	17.24	15.41	17.23	18.7	19.21	21.07	25.31	24.78	28.12	27.34	30.09	33.17
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.66	3.07	3.25	2.69	2.46	3.25	5.02	3.96	4.99	5.95	7.31	8.93	7.22	9.05	9.35
Basic EPS from Cont Ops	2.66	3.07	3.25	2.69	2.05	3.15	3.72	3.98	4.99	5.95	7.31	8.93	7.22	9.05	9.59
Diluted EPS, GAAP	2.64	3.07	3.25	2.65	2.44	3.22	4.96	3.93	4.96	5.93	7.24	8.86	7.18	8.99	9.29
Diluted EPS from Cont Ops	2.64	3.07	3.25	2.65	2.03	3.12	3.67	3.94	4.96	5.93	7.24	8.86	7.18	8.99	9.53
Dividend per Share	0.79	0.84	0.88	0.92	0.98	1	1.05	1.18	1.22	1.25	1.38	1.49	1.53	1.58	1.85
Cash Flow per Share	5.32	5.59	7.15	5.48	4.5	6.07	6.63	5.99	6.97	7.76	11.06	15.92	9.74	4.62	14.01
Free Cash Flow per Basic Share	4.43	4.49	6.22	4.48	3.36	5.03	5.89	4.82	5.49	6.51	10.37	14.85	9.27	4.21	13.35
Cash & Equivalents per Share	190.93	206.38	207.36	195.37	157.66	153.09	160.4	167.68	186.28	267.47	438.4	179.76	261.06	334.61	219.46
Book Value per Share	29.46	31.71	33.3	36.1	38.34	39.51	43.72	45.37	53.09	62.84	64.95	55.2	63.85	71.02	97.41
Tangible Book Value per Share	21.74	24.34	26.83	29.69	31.78	34.2	38.63	40.25	47.5	57.3	59.96	48.33	57.49	65.11	66.65