UMB Financial Statistics
Total Valuation
UMB Financial has a market cap or net worth of $8.23 billion. The enterprise value is $9.39 billion.
Important Dates
The last earnings date was Tuesday, October 28, 2025, after market close.
| Earnings Date | Oct 28, 2025 |
| Ex-Dividend Date | Dec 10, 2025 |
Share Statistics
UMB Financial has 75.95 million shares outstanding. The number of shares has increased by 36.59% in one year.
| Current Share Class | 75.95M |
| Shares Outstanding | 75.95M |
| Shares Change (YoY) | +36.59% |
| Shares Change (QoQ) | +0.16% |
| Owned by Insiders (%) | 3.01% |
| Owned by Institutions (%) | 87.08% |
| Float | 72.90M |
Valuation Ratios
The trailing PE ratio is 12.19 and the forward PE ratio is 9.65. UMB Financial's PEG ratio is 1.01.
| PE Ratio | 12.19 |
| Forward PE | 9.65 |
| PS Ratio | 3.25 |
| Forward PS | 2.95 |
| PB Ratio | 1.15 |
| P/TBV Ratio | 1.71 |
| P/FCF Ratio | 10.27 |
| P/OCF Ratio | 9.64 |
| PEG Ratio | 1.01 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 15.78 |
| EV / Sales | 4.24 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.72 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.31 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.06%.
| Return on Equity (ROE) | 11.06% |
| Return on Assets (ROA) | 1.02% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $599,532 |
| Profits Per Employee | $160,917 |
| Employee Count | 3,698 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UMB Financial has paid $142.43 million in taxes.
| Income Tax | 142.43M |
| Effective Tax Rate | 19.00% |
Stock Price Statistics
The stock price has decreased by -12.37% in the last 52 weeks. The beta is 0.79, so UMB Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.79 |
| 52-Week Price Change | -12.37% |
| 50-Day Moving Average | 115.13 |
| 200-Day Moving Average | 108.28 |
| Relative Strength Index (RSI) | 41.61 |
| Average Volume (20 Days) | 494,149 |
Short Selling Information
The latest short interest is 2.51 million, so 3.30% of the outstanding shares have been sold short.
| Short Interest | 2.51M |
| Short Previous Month | 2.43M |
| Short % of Shares Out | 3.30% |
| Short % of Float | 3.44% |
| Short Ratio (days to cover) | 5.40 |
Income Statement
In the last 12 months, UMB Financial had revenue of $2.22 billion and earned $595.07 million in profits. Earnings per share was $8.89.
| Revenue | 2.22B |
| Gross Profit | 2.22B |
| Operating Income | 850.30M |
| Pretax Income | 749.47M |
| Net Income | 595.07M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $8.89 |
Full Income StatementBalance Sheet
The company has $2.30 billion in cash and $3.45 billion in debt, giving a net cash position of -$1.16 billion or -$15.23 per share.
| Cash & Cash Equivalents | 2.30B |
| Total Debt | 3.45B |
| Net Cash | -1.16B |
| Net Cash Per Share | -$15.23 |
| Equity (Book Value) | 7.44B |
| Book Value Per Share | 94.13 |
| Working Capital | -53.05B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $853.75 million and capital expenditures -$52.20 million, giving a free cash flow of $801.54 million.
| Operating Cash Flow | 853.75M |
| Capital Expenditures | -52.20M |
| Free Cash Flow | 801.54M |
| FCF Per Share | $10.55 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 38.35% |
| Pretax Margin | 33.80% |
| Profit Margin | 27.38% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 36.15% |
Dividends & Yields
This stock pays an annual dividend of $1.72, which amounts to a dividend yield of 1.59%.
| Dividend Per Share | $1.72 |
| Dividend Yield | 1.59% |
| Dividend Growth (YoY) | 3.82% |
| Years of Dividend Growth | 32 |
| Payout Ratio | 18.33% |
| Buyback Yield | -36.59% |
| Shareholder Yield | -35.00% |
| Earnings Yield | 7.23% |
| FCF Yield | 9.74% |
Dividend DetailsAnalyst Forecast
The average price target for UMB Financial is $136.27, which is 25.61% higher than the current price. The consensus rating is "Buy".
| Price Target | $136.27 |
| Price Target Difference | 25.61% |
| Analyst Consensus | Buy |
| Analyst Count | 11 |
| 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 |
