UMB Financial Statistics
Total Valuation
UMB Financial has a market cap or net worth of $10.17 billion. The enterprise value is $11.57 billion.
| Market Cap | 10.17B |
| Enterprise Value | 11.57B |
Important Dates
The last earnings date was Tuesday, October 27, 2026, after market close.
| Earnings Date | Oct 27, 2026 |
| Ex-Dividend Date | Dec 10, 2026 |
Share Statistics
UMB Financial has 75.95 million shares outstanding. The number of shares has increased by 14.35% in one year.
| Current Share Class | 75.95M |
| Shares Outstanding | 75.95M |
| Shares Change (YoY) | +14.35% |
| Shares Change (QoQ) | +0.15% |
| Owned by Insiders (%) | 2.94% |
| Owned by Institutions (%) | 92.32% |
| Float | 72.95M |
Valuation Ratios
The trailing PE ratio is 10.14 and the forward PE ratio is 9.74. UMB Financial's PEG ratio is 0.63.
| PE Ratio | 10.14 |
| Forward PE | 9.74 |
| PS Ratio | 3.51 |
| Forward PS | 3.19 |
| PB Ratio | 1.35 |
| P/TBV Ratio | 1.92 |
| P/FCF Ratio | 8.90 |
| P/OCF Ratio | 8.56 |
| PEG Ratio | 0.63 |
Enterprise Valuation
| EV / Earnings | 11.47 |
| EV / Sales | 3.99 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.14 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.49 |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.34 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.50%.
| Return on Equity (ROE) | 13.50% |
| Return on Assets (ROA) | 1.43% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.49% |
| Revenue Per Employee | $555,237 |
| Profits Per Employee | $193,259 |
| Employee Count | 5,222 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UMB Financial has paid $261.47 million in taxes.
| Income Tax | 261.47M |
| Effective Tax Rate | 20.21% |
Stock Price Statistics
The stock price has increased by +21.90% in the last 52 weeks. The beta is 0.85, so UMB Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.85 |
| 52-Week Price Change | +21.90% |
| 50-Day Moving Average | 134.22 |
| 200-Day Moving Average | 131.88 |
| Relative Strength Index (RSI) | 48.44 |
| Average Volume (20 Days) | 611,287 |
Short Selling Information
The latest short interest is 3.92 million, so 5.16% of the outstanding shares have been sold short.
| Short Interest | 3.92M |
| Short Previous Month | 4.05M |
| Short % of Shares Out | 5.16% |
| Short % of Float | 5.37% |
| Short Ratio (days to cover) | 5.87 |
Income Statement
In the last 12 months, UMB Financial had revenue of $2.90 billion and earned $1.01 billion in profits. Earnings per share was $13.20.
| Revenue | 2.90B |
| Gross Profit | 2.90B |
| Operating Income | 1.42B |
| Pretax Income | 1.29B |
| Net Income | 1.01B |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $13.20 |
Balance Sheet
The company has $2.41 billion in cash and $3.81 billion in debt, with a net cash position of -$1.40 billion or -$18.50 per share.
| Cash & Cash Equivalents | 2.41B |
| Total Debt | 3.81B |
| Net Cash | -1.40B |
| Net Cash Per Share | -$18.50 |
| Equity (Book Value) | 7.85B |
| Book Value Per Share | 99.52 |
| Working Capital | -57.29B |
Cash Flow
In the last 12 months, operating cash flow was $1.19 billion and capital expenditures -$45.29 million, giving a free cash flow of $1.14 billion.
| Operating Cash Flow | 1.19B |
| Capital Expenditures | -45.29M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 248.71M |
| Free Cash Flow | 1.14B |
| FCF Per Share | $15.03 |
Margins
| Gross Margin | n/a |
| Operating Margin | 48.94% |
| Pretax Margin | 44.63% |
| Profit Margin | 35.61% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 39.38% |
Dividends & Yields
This stock pays an annual dividend of $2.00, which amounts to a dividend yield of 1.49%.
| Dividend Per Share | $2.00 |
| Dividend Yield | 1.49% |
| Dividend Growth (YoY) | 14.11% |
| Years of Dividend Growth | 33 |
| Payout Ratio | 14.09% |
| FCF Payout Ratio | 12.37% |
| Buyback Yield | -14.35% |
| Shareholder Yield | -12.86% |
| Earnings Yield | 9.86% |
| FCF Yield | 11.23% |
Analyst Forecast
The average price target for UMB Financial is $161.06, which is 20.32% higher than the current price. The consensus rating is "Buy".
| Price Target | $161.06 |
| Price Target Difference | 20.32% |
| Analyst Consensus | Buy |
| Analyst Count | 16 |
| Revenue Growth Forecast (3Y) | 9.41% |
| EPS Growth Forecast (3Y) | 11.05% |
Fair 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 | |
| Graham Formula Value | |
| Graham Formula 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 |