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UMB Financial Corp (UMBF)
Price$120.55
Favorite Metrics
Price vs S&P 500 (26W)-3.24%
Price vs S&P 500 (4W)4.09%
Market Capitalization$9.19B
P/E Ratio (Annual)13.08x
Indicated Dividend Yield (Annual)1.43%
All Metrics
P/CF (Annual)8.95x
Book Value / Share (Quarterly)$101.28
P/TBV (Annual)1.21x
Indicated Dividend (Annual)$1.60
Revenue Growth (3Y)9.65%
Cash Flow / Share (Quarterly)$12.88
Payout Ratio (TTM)19.31%
Price vs S&P 500 (YTD)1.56%
Net Profit Margin (TTM)25.94%
EPS (TTM)$9.38
10-Day Avg Trading Volume0.57M
EPS Excl Extra (TTM)$9.38
Revenue Growth (5Y)13.02%
EPS (Annual)$9.53
Dividend / Share (Annual)$2.17
ROI (Annual)6.11%
Net Profit Margin (5Y Avg)24.48%
Cash / Share (Quarterly)$9.37
P/E Basic Excl Extra (TTM)13.08x
Revenue Growth QoQ (YoY)57.15%
EPS Growth (5Y)9.96%
P/E Normalized (Annual)13.08x
ROA (Last FY)0.96%
Revenue Growth TTM (YoY)72.22%
EBITD / Share (TTM)$13.81
ROE (5Y Avg)12.11%
Operating Margin (TTM)31.78%
Cash Flow / Share (Annual)$12.88
P/B Ratio1.19x
P/B Ratio (Quarterly)1.14x
Net Income / Employee (Annual)$0
ROA (TTM)0.98%
EPS Growth QoQ (YoY)15.61%
EV / EBITDA (TTM)12.77x
EPS Incl Extra (Annual)$9.53
3-Month Avg Trading Volume0.55M
52-Week Price Return35.08%
EV / Free Cash Flow (Annual)13.28x
P/E Incl Extra (TTM)13.08x
Tangible BV / Share (Quarterly)$94.87
P/S Ratio (Annual)2.36x
52-Week High$136.11
Operating Margin (5Y Avg)29.41%
EPS Excl Extra (Annual)$9.53
CapEx CAGR (5Y)-4.20%
Tangible BV CAGR (5Y)19.19%
26-Week Price Return0.75%
13-Week Price Return0.75%
Total Debt / Equity (Annual)0.49x
Enterprise Value$12,985.047
Revenue / Share Growth (5Y)8.84%
Book Value / Share Growth (5Y)10.01%
Revenue / Employee (Annual)$402,255
Pretax Margin (Annual)36.24%
Cash / Share (Annual)$10.36
3-Month Return Std Dev28.25%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)20.41%
EBITDA Interim CAGR (5Y)8.20%
ROE (Last FY)9.13%
EPS Basic Excl Extra (Annual)$9.53
P/FCF (TTM)9.39x
EV / Free Cash Flow (TTM)13.28x
Total Debt / Equity (Quarterly)0.49x
EPS Incl Extra (TTM)$9.38
ROI (TTM)6.52%
Dividend Growth Rate (5Y)11.82%
P/S Ratio (TTM)2.37x
Pretax Margin (5Y Avg)29.41%
Revenue / Share (Annual)$30.12
Tangible BV / Share (Annual)$94.87
Forward P/E9.99x
Free OCF CAGR (5Y)25.56%
Price vs S&P 500 (52W)5.25%
P/E Ratio (TTM)13.08x
EPS Growth TTM (YoY)4.25%
Year-to-Date Return4.20%
5-Day Price Return-0.78%
EPS Normalized (Annual)$9.53
ROA (5Y Avg)0.92%
Net Profit Margin (Annual)29.41%
Month-to-Date Return6.28%
Cash Flow / Share (TTM)$8.99
EBITD / Share (Annual)$13.80
EPS Growth (3Y)2.46%
Operating Margin (Annual)36.24%
LT Debt / Equity (Annual)0.06x
P/CF (TTM)8.95x
ROI (5Y Avg)6.23%
P/E Excl Extra (TTM)13.08x
LT Debt / Equity (Quarterly)0.06x
EPS Basic Excl Extra (TTM)$9.38
P/TBV (Quarterly)1.21x
Payout Ratio (Annual)19.31%
P/B Ratio (Annual)1.14x
Dividend / Share (TTM)$2.17
Pretax Margin (TTM)31.78%
Book Value / Share (Annual)$101.28
Price vs S&P 500 (13W)0.06%
Net Margin Growth (5Y)9.21%
Dividend Yield (TTM)1.48%
Beta0.78x
P/FCF (Annual)9.39x
Revenue / Share (TTM)$29.99
ROE (TTM)9.63%
52-Week Low$86.31
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.11
4.06
4.05
4.05
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
UMBFUMB Financial Corp | 1.14x | 9.63% | 0.98% | — | $120.55 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
About
UMB Financial is a diversified financial services company offering banking services and asset servicing to commercial, institutional, and personal customers in the U.S. and internationally. The company operates through three segments: Commercial Banking (its largest revenue driver serving mid-market businesses), Institutional Banking, and Personal Banking. Its offerings include commercial loans, real estate financing, treasury management, letters of credit, and advisory services.