UMB Financial Corp (UMBF)

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Ticker
UMBF
Exchange
Nasdaq
Sector
Financial Services
Industry
Banks - Regional
Market cap
$10.16B
52-week range
$103.38 - $153.32

Valuation

Share price
$133.77 (close of Nov 6, 2026)
P/E (TTM)
9.96x
Price to book
1.29x
Price to free cash flow
8.90x
Enterprise value
$4.31B
Book value per share
$103.39

Price performance

PeriodChange
1 day-0.69%
5 days-0.52%
1 month+2.84%
3 months-7.83%
6 months-0.13%
Year to date+16.28%
1 year+24.95%
3 years+95.71%
5 years+28.38%
10 years+122.80%
All time+2,487.46%

Short interest

As of
Oct 15, 2026
Short % of float
6.32%
Shares short
4.05M
Days to cover
6.25
Change since prior report
+4.03%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
9.13%
Return on assets
0.96%
Net margin
26.48%
Revenue growth
62.81%
Net income growth
59.19%

Cash flow and balance sheet

Free cash flow yield (TTM)
11.24%
Net debt to EBITDA
-2.07x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$2.65B
Net income
$702.40M
Earnings per share
$9.35
Interest expense
$1.49B
Shares outstanding
73.26M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$2.65B$702.40M$9.35
2024-12-31$1.63B$441.24M$9.05
2023-12-31$1.46B$350.02M$7.22
2022-12-31$1.47B$431.68M$8.93
2021-12-31$1.28B$353.02M$7.31
2020-12-31$1.29B$286.50M$5.95
2019-12-31$1.10B$243.60M$4.99
2018-12-31$1.01B$195.51M$3.97
2017-12-31$982.48M$247.10M$5.02
2016-12-31$897.83M$158.80M$3.25

Margins and returns by year

Period endNet marginReturn on equity
2025-12-3126.48%9.13%
2024-12-3127.09%12.73%
2023-12-3123.94%11.29%
2022-12-3129.41%16.19%
2021-12-3127.52%11.22%
2020-12-3122.19%9.50%
2019-12-3122.19%9.35%
2018-12-3119.32%8.77%
2017-12-3125.15%11.33%
2016-12-3117.69%8.09%

Cash and debt by year

Period endCashDebt
2025-12-31$9.44B$474.23M
2024-12-31$9.10B$385.29M
2023-12-31$5.85B$383.25M
2022-12-31$2.64B$381.31M
2021-12-31$10.47B$271.54M
2020-12-31$5.19B$269.60M
2019-12-31$3.28B$70.37M
2018-12-31$2.32B$82.67M
2017-12-31$1.94B$79.28M
2016-12-31$1.46B$76.77M

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$978.11M$37.74M
2024-12-31$205.28M$22.58M
2023-12-31$449.50M$18.69M
2022-12-31$717.84M$21.49M
2021-12-31$500.39M$21.21M
2020-12-31$313.38M$15.12M
2019-12-31$267.62M$14.85M
2018-12-31$237.76M$11.07M
2017-12-31$290.08M$13.32M
2016-12-31$245.60M$11.73M

Dividend history

Most recent payment
Sep 10, 2026
Paid in the last twelve months
$1.79
Payment dateDividend per share
2026-09-10$0.50
2026-06-10$0.43
2026-03-10$0.43
2025-12-10$0.43
2025-09-10$0.40
2025-06-10$0.40
2025-03-10$0.40
2024-12-10$0.40

Investor relations

Past earnings dates

ReportedFiscal periodEPS estimate
2026-10-27Sep 2026$3.22
2026-07-28Jun 2026$3.08
2026-04-28Mar 2026$2.82
2026-01-27Dec 2025$2.71
2025-10-28Sep 2025$2.48
2025-07-29Jun 2025$2.35
2025-04-29Mar 2025$2.21
2025-01-28Dec 2024$2.30

Filings and sources

Company website
umb.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart

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