UMB Financial Statistics
Total Valuation
UMB Financial has a market cap or net worth of $11.15 billion. The enterprise value is $12.75 billion.
| Market Cap | 11.15B |
| Enterprise Value | 12.75B |
Important Dates
The last earnings date was Tuesday, July 28, 2026, after market close.
| Earnings Date | Jul 28, 2026 |
| Ex-Dividend Date | Sep 10, 2026 |
Share Statistics
UMB Financial has 75.95 million shares outstanding. The number of shares has increased by 27.32% in one year.
| Current Share Class | 75.95M |
| Shares Outstanding | 75.95M |
| Shares Change (YoY) | +27.32% |
| Shares Change (QoQ) | -0.01% |
| Owned by Insiders (%) | 3.87% |
| Owned by Institutions (%) | 90.01% |
| Float | 72.24M |
Valuation Ratios
The trailing PE ratio is 12.24 and the forward PE ratio is 11.15. UMB Financial's PEG ratio is 0.74.
| PE Ratio | 12.24 |
| Forward PE | 11.15 |
| PS Ratio | 3.96 |
| Forward PS | 3.66 |
| PB Ratio | 1.44 |
| P/TBV Ratio | 2.04 |
| P/FCF Ratio | 10.71 |
| P/OCF Ratio | 10.24 |
| PEG Ratio | 0.74 |
Enterprise Valuation
| EV / Earnings | 13.90 |
| EV / Sales | 4.53 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 12.25 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.57 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.31%.
| Return on Equity (ROE) | 12.31% |
| Return on Assets (ROA) | 1.31% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.44% |
| Revenue Per Employee | $538,854 |
| Profits Per Employee | $175,660 |
| Employee Count | 5,222 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UMB Financial has paid $245.86 million in taxes.
| Income Tax | 245.86M |
| Effective Tax Rate | 20.69% |
Stock Price Statistics
The stock price has increased by +32.80% 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 | +32.80% |
| 50-Day Moving Average | 139.41 |
| 200-Day Moving Average | 123.85 |
| Relative Strength Index (RSI) | 57.35 |
| Average Volume (20 Days) | 625,964 |
Short Selling Information
The latest short interest is 4.09 million, so 5.39% of the outstanding shares have been sold short.
| Short Interest | 4.09M |
| Short Previous Month | 4.16M |
| Short % of Shares Out | 5.39% |
| Short % of Float | 5.67% |
| Short Ratio (days to cover) | 5.25 |
Income Statement
In the last 12 months, UMB Financial had revenue of $2.81 billion and earned $917.30 million in profits. Earnings per share was $11.99.
| Revenue | 2.81B |
| Gross Profit | 2.81B |
| Operating Income | 1.31B |
| Pretax Income | 1.19B |
| Net Income | 917.30M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $11.99 |
Balance Sheet
The company has $2.11 billion in cash and $3.71 billion in debt, with a net cash position of -$1.60 billion or -$21.07 per share.
| Cash & Cash Equivalents | 2.11B |
| Total Debt | 3.71B |
| Net Cash | -1.60B |
| Net Cash Per Share | -$21.07 |
| Equity (Book Value) | 8.03B |
| Book Value Per Share | 101.87 |
| Working Capital | -55.94B |
Cash Flow
In the last 12 months, operating cash flow was $1.09 billion and capital expenditures -$48.14 million, giving a free cash flow of $1.04 billion.
| Operating Cash Flow | 1.09B |
| Capital Expenditures | -48.14M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -37.95M |
| Free Cash Flow | 1.04B |
| FCF Per Share | $13.70 |
Margins
| Gross Margin | n/a |
| Operating Margin | 46.73% |
| Pretax Margin | 42.24% |
| Profit Margin | 33.50% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 36.98% |
Dividends & Yields
This stock pays an annual dividend of $2.00, which amounts to a dividend yield of 1.35%.
| Dividend Per Share | $2.00 |
| Dividend Yield | 1.35% |
| Dividend Growth (YoY) | 11.88% |
| Years of Dividend Growth | 33 |
| Payout Ratio | 14.92% |
| Buyback Yield | -27.32% |
| Shareholder Yield | -25.96% |
| Earnings Yield | 8.23% |
| FCF Yield | 9.33% |
Analyst Forecast
The average price target for UMB Financial is $165.69, which is 12.86% higher than the current price. The consensus rating is "Buy".
| Price Target | $165.69 |
| Price Target Difference | 12.86% |
| Analyst Consensus | Buy |
| Analyst Count | 13 |
| Revenue Growth Forecast (3Y) | 8.38% |
| EPS Growth Forecast (3Y) | 11.22% |
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 |
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 |