UMB Financial Statistics
Total Valuation
UMB Financial has a market cap or net worth of $8.05 billion. The enterprise value is $9.41 billion.
Important Dates
The next estimated earnings date is Tuesday, July 29, 2025, after market close.
| Earnings Date | Jul 29, 2025 |
| Ex-Dividend Date | Jun 10, 2025 |
Share Statistics
UMB Financial has 75.92 million shares outstanding. The number of shares has increased by 9.00% in one year.
| Current Share Class | 75.92M |
| Shares Outstanding | 75.92M |
| Shares Change (YoY) | +9.00% |
| Shares Change (QoQ) | +33.18% |
| Owned by Insiders (%) | 3.10% |
| Owned by Institutions (%) | 83.90% |
| Float | 72.80M |
Valuation Ratios
The trailing PE ratio is 13.75 and the forward PE ratio is 10.49.
| PE Ratio | 13.75 |
| Forward PE | 10.49 |
| PS Ratio | 3.38 |
| Forward PS | 3.03 |
| PB Ratio | 1.21 |
| P/TBV Ratio | 1.88 |
| P/FCF Ratio | 16.05 |
| P/OCF Ratio | 15.12 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 22.93 |
| EV / Sales | 5.68 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 18.76 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.70 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.33%.
| Return on Equity (ROE) | 8.33% |
| Return on Assets (ROA) | 0.72% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $448,112 |
| Profits Per Employee | $110,953 |
| Employee Count | 3,698 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UMB Financial has paid $88.13 million in taxes.
| Income Tax | 88.13M |
| Effective Tax Rate | 17.61% |
Stock Price Statistics
The stock price has increased by +30.45% in the last 52 weeks. The beta is 0.76, so UMB Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.76 |
| 52-Week Price Change | +30.45% |
| 50-Day Moving Average | 101.51 |
| 200-Day Moving Average | 108.31 |
| Relative Strength Index (RSI) | 58.86 |
| Average Volume (20 Days) | 681,786 |
Short Selling Information
The latest short interest is 1.99 million, so 2.62% of the outstanding shares have been sold short.
| Short Interest | 1.99M |
| Short Previous Month | 2.05M |
| Short % of Shares Out | 2.62% |
| Short % of Float | 2.73% |
| Short Ratio (days to cover) | 4.19 |
Income Statement
In the last 12 months, UMB Financial had revenue of $1.66 billion and earned $410.31 million in profits. Earnings per share was $7.71.
| Revenue | 1.66B |
| Gross Profit | 1.66B |
| Operating Income | 544.42M |
| Pretax Income | 460.77M |
| Net Income | 410.31M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $7.71 |
Full Income StatementBalance Sheet
The company has $2.00 billion in cash and $3.36 billion in debt, giving a net cash position of -$1.36 billion or -$17.89 per share.
| Cash & Cash Equivalents | 2.00B |
| Total Debt | 3.36B |
| Net Cash | -1.36B |
| Net Cash Per Share | -$17.89 |
| Equity (Book Value) | 6.75B |
| Book Value Per Share | 87.43 |
| Working Capital | -49.44B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $532.16 million and capital expenditures -$30.65 million, giving a free cash flow of $501.51 million.
| Operating Cash Flow | 532.16M |
| Capital Expenditures | -30.65M |
| Free Cash Flow | 501.51M |
| FCF Per Share | $6.61 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 32.85% |
| Pretax Margin | 30.20% |
| Profit Margin | 24.88% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 30.26% |
Dividends & Yields
This stock pays an annual dividend of $1.60, which amounts to a dividend yield of 1.51%.
| Dividend Per Share | $1.60 |
| Dividend Yield | 1.51% |
| Dividend Growth (YoY) | 2.58% |
| Years of Dividend Growth | 32 |
| Payout Ratio | 20.62% |
| Buyback Yield | -9.00% |
| Shareholder Yield | -7.49% |
| Earnings Yield | 5.10% |
| FCF Yield | 6.23% |
Dividend DetailsAnalyst Forecast
The average price target for UMB Financial is $126.57, which is 19.38% higher than the current price. The consensus rating is "Buy".
| Price Target | $126.57 |
| Price Target Difference | 19.38% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on May 31, 2006. It was a forward split with a ratio of 2:1.
| Last Split Date | May 31, 2006 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
