UMB Financial Statistics
Total Valuation
UMB Financial has a market cap or net worth of $9.87 billion. The enterprise value is $11.36 billion.
Important Dates
The last earnings date was Tuesday, April 28, 2026, after market close.
| Earnings Date | Apr 28, 2026 |
| Ex-Dividend Date | Jun 10, 2026 |
Share Statistics
UMB Financial has 75.98 million shares outstanding. The number of shares has increased by 43.60% in one year.
| Current Share Class | 75.98M |
| Shares Outstanding | 75.98M |
| Shares Change (YoY) | +43.60% |
| Shares Change (QoQ) | -0.02% |
| Owned by Insiders (%) | 3.87% |
| Owned by Institutions (%) | 89.16% |
| Float | 72.27M |
Valuation Ratios
The trailing PE ratio is 11.53 and the forward PE ratio is 10.17. UMB Financial's PEG ratio is 0.80.
| PE Ratio | 11.53 |
| Forward PE | 10.17 |
| PS Ratio | 3.61 |
| Forward PS | 3.31 |
| PB Ratio | 1.31 |
| P/TBV Ratio | 1.89 |
| P/FCF Ratio | 10.07 |
| P/OCF Ratio | 9.63 |
| PEG Ratio | 0.80 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 13.20 |
| EV / Sales | 4.16 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.59 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.26 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.11%.
| Return on Equity (ROE) | 12.11% |
| Return on Assets (ROA) | 1.24% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.07% |
| Revenue Per Employee | $523,186 |
| Profits Per Employee | $164,864 |
| Employee Count | 5,222 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UMB Financial has paid $230.68 million in taxes.
| Income Tax | 230.68M |
| Effective Tax Rate | 20.72% |
Stock Price Statistics
The stock price has increased by +27.31% in the last 52 weeks. The beta is 0.80, so UMB Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.80 |
| 52-Week Price Change | +27.31% |
| 50-Day Moving Average | 124.52 |
| 200-Day Moving Average | 119.40 |
| Relative Strength Index (RSI) | 54.06 |
| Average Volume (20 Days) | 587,148 |
Short Selling Information
The latest short interest is 3.58 million, so 4.71% of the outstanding shares have been sold short.
| Short Interest | 3.58M |
| Short Previous Month | 3.64M |
| Short % of Shares Out | 4.71% |
| Short % of Float | 4.95% |
| Short Ratio (days to cover) | 4.78 |
Income Statement
In the last 12 months, UMB Financial had revenue of $2.73 billion and earned $860.92 million in profits. Earnings per share was $11.27.
| Revenue | 2.73B |
| Gross Profit | 2.73B |
| Operating Income | 1.24B |
| Pretax Income | 1.11B |
| Net Income | 860.92M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $11.27 |
Full Income StatementBalance Sheet
The company has $2.68 billion in cash and $4.17 billion in debt, with a net cash position of -$1.49 billion or -$19.65 per share.
| Cash & Cash Equivalents | 2.68B |
| Total Debt | 4.17B |
| Net Cash | -1.49B |
| Net Cash Per Share | -$19.65 |
| Equity (Book Value) | 7.83B |
| Book Value Per Share | 99.15 |
| Working Capital | -55.32B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.02 billion and capital expenditures -$44.28 million, giving a free cash flow of $980.67 million.
| Operating Cash Flow | 1.02B |
| Capital Expenditures | -44.28M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 801.81M |
| Free Cash Flow | 980.67M |
| FCF Per Share | $12.91 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 45.44% |
| Pretax Margin | 40.74% |
| Profit Margin | 32.30% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 35.89% |
Dividends & Yields
This stock pays an annual dividend of $1.72, which amounts to a dividend yield of 1.32%.
| Dividend Per Share | $1.72 |
| Dividend Yield | 1.32% |
| Dividend Growth (YoY) | 6.29% |
| Years of Dividend Growth | 33 |
| Payout Ratio | 14.99% |
| Buyback Yield | -43.60% |
| Shareholder Yield | -42.28% |
| Earnings Yield | 8.72% |
| FCF Yield | 9.93% |
Dividend DetailsAnalyst Forecast
The average price target for UMB Financial is $147.08, which is 13.28% higher than the current price. The consensus rating is "Buy".
| Price Target | $147.08 |
| Price Target Difference | 13.28% |
| Analyst Consensus | Buy |
| Analyst Count | 12 |
| Revenue Growth Forecast (3Y) | 8.27% |
| EPS Growth Forecast (3Y) | 11.08% |
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 |
