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UMB Financial Corporation

Data quality: 100%
UMBF
NASDAQ Financial Services Banks - Regional
$112.72
▲ $1.07 (0.96%)
Mkt Cap: 8.58B
Day Range
$111.49 $113.51
52-Week Range
$82.00 $136.11
Volume
387,858
50D / 200D Avg
$121.71 / $115.22
Prev Close
$111.65

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (855 peers)

Metric Stock Sector Median
P/E 12.2 10.4
P/B 1.1 1.1
ROE % 12.6 11.6
Net Margin % 15.8 16.8
Rev Growth 5Y % 37.5 11.6
D/E 0.5 0.5

Analyst Price Target

Hold
$146.43 +29.9%
Low: $130.00 High: $160.00
Forward P/E
9.41
Forward EPS
$11.98
EPS Growth (est.)
+0.0%
Est. Revenue
2.88B

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2028 $14.27
$13.91 – $14.67
3.22B 5
FY2027 $13.12
$12.58 – $13.62
3.08B 10
FY2026 $11.98
$11.62 – $12.26
2.88B 10

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-01-27 $2.70 $3.08 +14.1%
2025-10-28 $2.50 $2.70 +8.0%
2025-07-29 $2.37 $2.96 +24.9%
2025-04-29 $2.19 $2.58 +17.8%
2025-01-28 $2.25 $2.49 +10.7%
2024-10-29 $2.20 $2.19 -0.5%
2024-07-30 $2.01 $2.07 +3.0%
2024-04-29 $1.76 $2.25 +27.8%

Dividend History

7 yr streak

Yield

0.02%

Payout Ratio

0.19%

Growth (3Y)

3.04%

Growth (5Y)

5.45%

Ex-Date Payment Date Amount Yield
Mar 10, 2026 Apr 01, 2026 $0.43 1.47%
Dec 10, 2025 Jan 02, 2026 $0.43 1.38%
Sep 10, 2025 Oct 01, 2025 $0.40 1.31%
Jun 10, 2025 Jul 01, 2025 $0.40 1.50%
Mar 10, 2025 Apr 01, 2025 $0.40 1.60%
Dec 10, 2024 Jan 02, 2025 $0.40 1.26%
Sep 10, 2024 Oct 01, 2024 $0.39 1.54%
Jun 10, 2024 Jul 01, 2024 $0.39 1.93%
Mar 08, 2024 Apr 01, 2024 $0.39 1.86%
Dec 08, 2023 Jan 02, 2024 $0.39 2.01%
Sep 08, 2023 Oct 02, 2023 $0.38 2.46%
Jun 09, 2023 Jul 03, 2023 $0.38 2.30%
Mar 09, 2023 Apr 03, 2023 $0.38 1.88%
Dec 09, 2022 Jan 03, 2023 $0.38 1.84%
Sep 09, 2022 Oct 03, 2022 $0.37 1.64%
Jun 09, 2022 Jul 01, 2022 $0.37 1.67%
Mar 09, 2022 Apr 01, 2022 $0.37 1.47%
Dec 09, 2021 Jan 03, 2022 $0.37 1.32%
Sep 09, 2021 Oct 01, 2021 $0.37 1.49%
Jun 09, 2021 Jul 01, 2021 $0.32 1.35%

Key Takeaways

Revenue grew 37.53% annually over 5 years — strong growth
Earnings grew 59.19% over the past year
ROE of 12.59% — decent returns on equity
Net margin of 15.81% shows strong profitability
Debt/Equity of 0.49 — conservative balance sheet
Generating 971.91M in free cash flow

Growth

Revenue Growth (5Y)
37.53%
Revenue (1Y)68.52%
Earnings (1Y)59.19%
FCF Growth (3Y)47.67%

Quality

Return on Equity
12.59%
ROIC5.87%
Net Margin15.81%
Op. Margin20.25%

Safety

Debt / Equity
0.49
Current Ratio0.01
Interest Coverage0.60

Valuation

P/E Ratio
12.22
Forward P/E9.41
P/B Ratio1.12
EV/EBITDA12.70
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 68.52% Revenue Growth (3Y) 40.71%
Earnings Growth (1Y) 59.19% Earnings Growth (3Y) 41.66%
Revenue Growth (5Y) 37.53% Earnings Growth (5Y) 18.77%
Profitability
Revenue (TTM) 4.44B Net Income (TTM) 702.40M
ROE 12.59% ROA 0.96%
Gross Margin 54.41% Operating Margin 20.25%
Net Margin 15.81% Free Cash Flow (TTM) 971.91M
ROIC 5.87% FCF Growth (3Y) 47.67%
Safety
Debt / Equity 0.49 Current Ratio 0.01
Interest Coverage 0.60
Dividends
Dividend Yield 0.02% Payout Ratio 0.19%
Dividend Growth (3Y) 3.04% Dividend Growth (5Y) 5.45%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 12.22 Forward P/E 9.41
P/B Ratio 1.12 P/S Ratio 1.93
PEG Ratio 7.50 Forward PEG N/A
EV/EBITDA 12.70 Fwd EV/EBITDA 13.79
Forward P/S 2.98 Fwd Earnings Yield 10.63%
FCF Yield 11.32%
Market Cap 8.58B Enterprise Value 11.43B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 4.44B 2.64B 2.24B 1.58B 1.24B
Net Income 702.40M 441.24M 350.02M 431.68M 353.02M
EPS (Diluted) 9.13 8.99 7.18 8.86 7.24
Gross Profit 2.42B 1.41B 1.28B 1.32B 1.18B
Operating Income 899.96M 541.27M 421.60M 532.01M 429.06M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 73.09B 50.41B 44.01B 38.51B 42.69B
Total Liabilities 65.40B 46.94B 40.91B 35.85B 39.55B
Shareholders' Equity 7.69B 3.47B 3.10B 2.67B 3.15B
Total Debt 3.80B 3.00B 3.50B 2.60B 3.51B
Cash & Equivalents 952.55M 8.56B 5.61B 1.68B 9.26B
Current Assets 952.55M 16.76B 13.20B 9.18B 21.64B
Current Liabilities 64.93B 46.12B 39.30B 35.10B 39.09B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#146 of 1049
65

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026