UMB Financial Statistics
Total Valuation
UMB Financial has a market cap or net worth of $8.76 billion. The enterprise value is $9.84 billion.
Important Dates
The next estimated earnings date is Tuesday, April 28, 2026, after market close.
| Earnings Date | Apr 28, 2026 |
| Ex-Dividend Date | Mar 10, 2026 |
Share Statistics
UMB Financial has 76.14 million shares outstanding. The number of shares has increased by 50.17% in one year.
| Current Share Class | 76.14M |
| Shares Outstanding | 76.14M |
| Shares Change (YoY) | +50.17% |
| Shares Change (QoQ) | +0.07% |
| Owned by Insiders (%) | 3.89% |
| Owned by Institutions (%) | 89.27% |
| Float | 72.41M |
Valuation Ratios
The trailing PE ratio is 12.38 and the forward PE ratio is 9.55. UMB Financial's PEG ratio is 0.86.
| PE Ratio | 12.38 |
| Forward PE | 9.55 |
| PS Ratio | 3.51 |
| Forward PS | 2.98 |
| PB Ratio | 1.18 |
| P/TBV Ratio | 1.73 |
| P/FCF Ratio | 8.95 |
| P/OCF Ratio | 8.53 |
| PEG Ratio | 0.86 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.38 |
| EV / Sales | 3.94 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.06 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.10 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.59%.
| Return on Equity (ROE) | 12.59% |
| Return on Assets (ROA) | 1.14% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.80% |
| Revenue Per Employee | $478,314 |
| Profits Per Employee | $131,102 |
| Employee Count | 5,222 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UMB Financial has paid $172.56 million in taxes.
| Income Tax | 172.56M |
| Effective Tax Rate | 19.72% |
Stock Price Statistics
The stock price has increased by +32.42% in the last 52 weeks. The beta is 0.77, so UMB Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.77 |
| 52-Week Price Change | +32.42% |
| 50-Day Moving Average | 119.77 |
| 200-Day Moving Average | 115.69 |
| Relative Strength Index (RSI) | 52.03 |
| Average Volume (20 Days) | 560,619 |
Short Selling Information
The latest short interest is 2.37 million, so 3.12% of the outstanding shares have been sold short.
| Short Interest | 2.37M |
| Short Previous Month | 2.31M |
| Short % of Shares Out | 3.12% |
| Short % of Float | 3.28% |
| Short Ratio (days to cover) | 4.54 |
Income Statement
In the last 12 months, UMB Financial had revenue of $2.50 billion and earned $684.62 million in profits. Earnings per share was $9.29.
| Revenue | 2.50B |
| Gross Profit | 2.50B |
| Operating Income | 997.23M |
| Pretax Income | 874.96M |
| Net Income | 684.62M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $9.29 |
Full Income StatementBalance Sheet
The company has $2.93 billion in cash and $4.01 billion in debt, with a net cash position of -$1.08 billion or -$14.22 per share.
| Cash & Cash Equivalents | 2.93B |
| Total Debt | 4.01B |
| Net Cash | -1.08B |
| Net Cash Per Share | -$14.22 |
| Equity (Book Value) | 7.69B |
| Book Value Per Share | 97.41 |
| Working Capital | -54.35B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.03 billion and capital expenditures -$48.58 million, giving a free cash flow of $978.11 million.
| Operating Cash Flow | 1.03B |
| Capital Expenditures | -48.58M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 492.59M |
| Free Cash Flow | 978.11M |
| FCF Per Share | $12.85 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 39.92% |
| Pretax Margin | 35.03% |
| Profit Margin | 28.12% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 39.16% |
Dividends & Yields
This stock pays an annual dividend of $1.72, which amounts to a dividend yield of 1.50%.
| Dividend Per Share | $1.72 |
| Dividend Yield | 1.50% |
| Dividend Growth (YoY) | 5.06% |
| Years of Dividend Growth | 33 |
| Payout Ratio | 17.87% |
| Buyback Yield | -50.17% |
| Shareholder Yield | -48.68% |
| Earnings Yield | 7.82% |
| FCF Yield | 11.17% |
Dividend DetailsAnalyst Forecast
The average price target for UMB Financial is $138.90, which is 20.74% higher than the current price. The consensus rating is "Buy".
| Price Target | $138.90 |
| Price Target Difference | 20.74% |
| Analyst Consensus | Buy |
| Analyst Count | 10 |
| 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 |
