UMB Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 7, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	10,795	8,739	5,509	4,057	4,036	5,139
Market Cap Growth	-	58.62%	35.80%	0.52%	-21.47%	55.16%
PE Ratio	12.54	12.38	12.55	11.64	9.43	14.66
Forward PE	11.02	10.24	12.52	12.06	10.51	15.55
PEG Ratio	-	1.07	2.09	1.38	2.34	2.59
PS Ratio	3.95	3.50	3.51	2.86	2.82	4.07
PB Ratio	1.38	1.14	1.59	1.31	1.51	1.63
P/TBV Ratio	0.36	1.58	1.73	1.44	1.71	1.75
P/FCF Ratio	11.01	8.93	26.84	9.02	5.62	10.27
P/OCF Ratio	10.53	8.51	24.45	8.58	5.24	9.62
Debt / Equity Ratio	0.06	0.06	0.11	0.12	0.14	0.09
Debt / FCF Ratio	0.48	0.49	1.88	0.85	0.53	0.54
Net Debt / Equity Ratio	0.06	0.06	0.11	0.12	0.14	0.09
Net Debt / FCF Ratio	0.48	0.49	1.88	0.85	0.53	0.54
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.03
Return on Equity (ROE)	11.37%	12.59%	13.44%	12.14%	14.85%	11.46%
Earnings Yield	7.98%	8.08%	7.97%	8.59%	10.61%	6.82%
FCF Yield	9.08%	11.19%	3.73%	11.08%	17.79%	9.74%
Dividend Yield	8.02%	1.61%	1.40%	1.83%	1.78%	1.30%
Payout Ratio	18.77%	19.31%	17.48%	21.21%	16.69%	18.91%
Buyback Yield / Dilution	-43.60%	-50.17%	-0.60%	-0.03%	-0.02%	-0.82%
Total Shareholder Return	-35.58%	-48.56%	0.80%	1.80%	1.77%	0.49%