UMB Financial Corporation
UMBF | NASDAQ
$135.75
+$1.28 (+0.95%)
Nov 2, 2026, 9:47 AM ET · Market open
Market Data
Market Cap $10.31B
Enterprise Value $-11.69B
Beta 0.83
Average Volume 650.34K
Shares Outstanding (Diluted) 76.5M
Shares Change YoY 1.56%
Institutional Ownership 97.25%
Exchange NASDAQ
ISIN US9027881088
Price Performance
Price Change 1M 3.7%
Price Change 3M -7.7%
Price Change 6M 4.9%
Price Change YTD 18.0%
Price Change 1Y 26.5%
Price Change 3Y 95.8%
Price Change 5Y 31.4%
1M CAGR (ann.) 0.0%
1Y CAGR (ann.) 25.5%
5Y CAGR (ann.) 7.1%
All-Time CAGR 10.1%
Valuation
PE Ratio 10.18
Forward PE 9.40
PEG Ratio 0.21
Forward PEG 0.39
PS Ratio 2.43
Forward PS 3.10
PB Ratio 1.30
P/FCF Ratio 9.60
P/Adj. FCF Ratio 9.98
P/OCF Ratio 8.60
EV/Sales -2.79
EV/EBIT -7.96
EV/EBITDA -7.41
EV/FCF -10.99
Earnings Yield 9.8%
FCF Yield 10.4%
Adj. FCF Yield 10.0%
Financial Health
Net Cash $21.9B
Total Debt $3.57B
Cash & Short-Term Investments $25.47B
Total Assets $72.74B
Current Ratio 0.40
Quick Ratio 0.40
Debt / Equity Ratio 0.45
Debt / EBITDA 2.26
Debt / FCF 3.36
OCF / Debt 0.31
Interest Coverage 0.80
Altman Z-Score -0.32
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 65.4%
Operating Profit Margin 26.6%
EBITDA Margin 37.6%
Net Profit Margin 24.6%
FCF Margin 25.3%
Adj. FCF Margin 24.4%
SBC / Revenue 1.0%
SBC Impact (per share) -3.7%
Returns
Return on Assets 1.4%
Return on Equity 13.2%
Return on Invested Capital 7.3%
Return on Capital Employed 12.5%
Return on Tangible Assets 1.5%
Historical Growth (CAGR)
Revenue CAGR 3Y 25.9%
Revenue CAGR 5Y 25.6%
Revenue CAGR 10Y 17.0%
EPS CAGR 3Y 19.3%
EPS CAGR 5Y 8.3%
EPS CAGR 10Y 16.2%
FCF CAGR 3Y 31.6%
FCF CAGR 5Y 21.1%
FCF CAGR 10Y 21.9%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 10
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 26, 2027
EPS Estimate (next Q) $3.29
EPS Growth Est (next Q) 6.8%
Revenue Est (next Q) $765.87M
Revenue Growth Est (next Q) 6.2%
Fair Value Estimates
Graham Number $175.30
Graham Upside 30.4%
Lynch Fair Value $109.25
Lynch Upside -18.8%
Price Target $165.00
Price Target Upside 22.7%
Cash Flow
Operating Cash Flow $1.09B
Free Cash Flow $1.06B
Adj. Free Cash Flow $1.02B
FCF Per Share $15.49
OCF Per Share $15.63
OCF/S Ratio 28.3%
Income Statement
Revenue $4.2B
Gross Profit $2.75B
Operating Income $1.11B
EBITDA $1.58B
Net Income $1.03B
EPS (Diluted) $13.21
Revenue / Employee $803.71K
Profit / Employee $197.71K
Employees 5,222
Dividends
Annual Dividend $1.79
Dividend Yield 1.33%
Payout Ratio 13.6%
FCF Payout Ratio 14.3%
Adj. FCF Payout Ratio 14.9%
Dividend Growth (YoY) 11.9%
Pay Frequency Quarterly
Ex-Dividend Date Dec 10, 2026
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