UMB Financial Corporation

UMB Financial Corporation

UMBF
UMB Financial CorporationUS flagNASDAQ Global Select
143.76
USD
+0.32
- -
10.92BMarket Cap
UMB Financial Corporation
UMBF
(NASDAQ Global Select)

Recent

price

143.76

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
15.19
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
35.47
Revenue per Share
2.27
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
12.07
Basic EPS, GAAP
3.68
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
13.7
Free Cash Flow per Basic Share
0.76
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
1.99
Dividend per Share
26.24
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
101.87
Book Value per Share
18.73
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
71.88
Tangible Book Value per Share
40
40
40
41
45
47
49
49
49
49
48
48
48
49
49
73
76
Basic Weighted Avg Shares
609
666
709
749
773
726
841
921
948
1,028
1,218
1,196
1,359
1,326
1,467
2,430
2,695
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
39
43
41
44
46
53
55
55
53
56
63
56
54
59
53
142
145
Depreciation Expense
91
106
123
134
121
116
159
247
196
244
287
353
432
350
441
702
943
Net Income, GAAP
28.26
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
20.69
Effective Tax Rate (%)
14.95
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
34.98
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
9
7
6
5
9
86
77
79
83
70
270
272
381
383
309
254
258
LT Debt
1,061
1,191
1,279
1,506
1,644
1,894
1,962
2,182
2,228
2,606
3,017
3,145
2,667
3,100
3,467
7,694
8,031
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.77
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
12.55
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
254
256
258
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
294
294
294
Shares Outstanding
76
76
76
Market Capitalization
8,739
8,569
10,842

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
16,670
7,168
14,854
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
435
310
361
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
18.87%
27.81%
121.94%
Free Cash Flow
47.29%
77.58%
376.48%
Net Income, GAAP
22.56%
22.37%
59.19%
Sales/Revenue/Turnover
14.08%
17.13%
65.66%
Total Cash Common Dividend
10.66%
15.68%
52.79%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
360
349
364
394
1,467
2025
510
633
622
665
2,430
2026
685
723
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.27
2.08
2.25
2.46
9.05
2025
1.22
2.84
2.38
2.76
9.35
2026
3.36
3.58
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.39
0.4
0.39
0.4
1.58
2025
0.46
0.43
0.43
0.53
1.85
2026
0.52
0.51
- -
- -
- -
Business
UMB Financial Corporation serves as the bank holding entity for UMB Bank, delivering a comprehensive array of banking and financial services. Its Commercial Banking segment provides diverse commercial loan options, including credit cards and financing for commercial real estate ventures, alongside letters of credit, loan syndication, and consultative support. This division also offers specialized business solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Extensive treasury management solutions are available, featuring depository services, account reconciliation, advanced cash management tools, accounts payable and receivable processing, electronic fund transfers, automated payment systems, controlled disbursement, lockbox services, and remote deposit capture. The Institutional Banking segment caters to organizational clients with asset management and specialized healthcare services. Its scope encompasses fund administration and accounting, investor services and transfer agency, marketing and distribution support, custody, and alternative investment solutions. This segment further provides fixed income sales, trading, and underwriting, in addition to corporate trust and escrow services, including institutional custody. A core offering within its institutional focus is healthcare payment solutions, providing custodial services for health savings accounts (HSAs) and flexible private-label debit cards to insurance carriers, third-party administrators, software companies, employers, and other financial institutions. The Personal Banking segment presents a variety of choices for individual customers, such as deposit accounts, retail credit cards, private banking, installment loans, home equity lines of credit, residential mortgages, and small business loans. These services are augmented by contemporary internet banking platforms, a broad ATM network, brokerage services, insurance offerings, and personalized advisory and trust services. UMB Financial Corporation maintains a substantial operating footprint across numerous states, including Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Minnesota, California, Wisconsin, New Mexico, Pennsylvania, and Utah, with operations extending to Ireland. The company was established in 1913 and is headquartered in Kansas City, Missouri. In a notable recent development, UMB successfully integrated the systems and brand of Heartland Financial USA, Inc., in October 2025, significantly expanding its market reach and service capabilities.

Company News

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

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  • Shankar Ram Liquidates 2,000 UMB Financial Shares

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