UMB Financial Corporation UMBF R2KR3KFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 17.6% per year over the last five years.
Revenue has grown at a 21.4% CAGR over the past five years.
Trades at a P/E of 11.9, below the sector median of 14.5.
Maintains a net profit margin of 33.5%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $2.43B (+65.7% YoY); net profit $702.40M.
- Trailing 12 Months Year-on-year growth — revenue +12.2%, earnings +26.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 21.4%, profit CAGR 17.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 21.36% |
| 1 Year: | 12.20% |
Compounded Profit Growth
| 5 Years: | 17.62% |
| 1 Year: | 26.20% |
Stock Price Performance
| 1 Year: | +25.18% |
| 6 Months: | +27.80% |
| 3 Months: | +11.22% |
| 1 Month: | -0.76% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)49.19 · Neutral
P/E of 11.93 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 33.5%.
- Compounding revenue at 21.4% over 5 years.
- Profit CAGR of 17.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | UMBF UMB Financial Corporation R2KR3KFINANCIAL | 144.02 | 11.93 | $10.94B | 1.38% | - | 12.31% | 21.36% | 17.62% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 34.67M | 35.63M | 26.94M | 33.77M | 30.21M | 22.45M | 29.64M | 36.40M | 37.52M | 41.95M | 42.93M | 44.18M | 42.82M | 48.14M | 56.79M | 55.42M | 57.85M | 57.74M | 56.96M | 62.38M | -3.44M | 60.53M | 73.09M | 92.64M | 87.41M | 94.47M | 105.96M | 137.56M | 87.99M | 92.44M | 90.11M | 96.55M | 110.26M | 101.34M | 109.64M | 81.33M | 217.39M | 188.32M | 261.44M | 277.57M |
| Diluted EPS | 0.76 | 0.78 | 0.59 | 0.74 | 0.65 | 0.46 | 0.60 | 0.74 | 0.76 | 0.85 | 0.87 | 0.89 | 0.86 | 0.97 | 1.14 | 1.11 | 1.16 | 1.18 | 1.16 | 1.27 | -0.07 | 1.26 | 1.52 | 1.91 | 1.79 | 1.94 | 2.17 | 2.83 | 1.81 | 1.90 | 1.85 | 1.98 | 2.25 | 2.07 | 2.23 | 1.21 | 2.82 | 2.36 | 3.35 | 3.56 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.36B | 1.33B | 1.47B | 2.43B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 223.72M | 918.59M | 1.17B | 1.49B |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 532.01M | 421.60M | 541.27M | 874.96M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 100.33M | 71.58M | 100.03M | 172.56M |
| Net Income | 98.08M | 89.48M | 91.00M | 106.47M | 122.72M | 133.97M | 120.66M | 116.07M | 158.80M | 247.10M | 195.51M | 243.60M | 286.50M | - | 431.68M | 350.02M | 441.24M | 702.40M |
| Diluted EPS | 2.38 | 2.20 | 2.26 | 2.64 | 3.04 | 3.20 | 2.65 | 2.44 | 3.22 | 4.96 | 3.93 | 4.96 | 5.93 | - | 8.86 | 7.18 | 8.99 | 9.29 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 11.66B | 12.40B | 13.54B | 14.93B | 16.91B | 17.50B | 19.09B | 20.68B | 21.77B | 23.35B | 26.56B | 33.13B | 42.69B | 38.51B | 44.01B | 50.41B | 73.09B |
| Total Equity | 890.57M | 974.81M | 1.02B | 1.06B | 1.19B | 1.28B | 1.51B | 1.64B | 1.89B | 1.96B | 2.18B | 2.23B | 2.61B | 3.02B | 3.15B | 2.67B | 3.10B | 3.47B | 7.69B |
| Cash & Equivalents | 806.60M | 887.56M | 1.23B | 1.03B | 1.46B | 1.37B | 2.58B | 1.79B | 819.11M | 1.06B | 1.72B | 1.67B | 1.67B | 3.50B | 9.21B | 1.56B | 5.53B | 8.45B | 7.77B |
| Long Term Debt | - | - | 25.46M | 8.88M | 6.53M | 5.88M | 5.05M | 8.81M | 86.07M | 76.77M | 79.28M | 82.67M | 70.37M | 269.60M | 271.54M | 381.31M | 383.25M | 385.29M | 474.23M |
| Total Liabilities | - | - | 10.65B | 11.34B | 12.35B | 13.65B | 15.41B | 15.86B | 17.20B | 18.72B | 19.59B | 21.12B | 23.95B | 30.11B | 39.55B | 35.85B | 40.91B | 46.94B | 65.40B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 134.03M | 146.69M | 179.99M | 213.04M | 223.74M | 295.20M | - | 211.91M | 296.44M | 326.53M | 295.70M | 339.93M | 373.60M | 534.08M | 769.55M | 472.60M | 225.29M | 1.03B |
| Investing Cash Flow | -1.47B | -363.65M | -979.22M | -722.37M | -1.54B | -1.02B | - | -1.33B | -1.50B | -478.58M | -1.75B | -2.99B | -4.49B | -4.24B | -3.85B | -1.27B | -3.26B | -5.62B |
| Financing Cash Flow | 1.42B | 559.05M | 603.20M | 935.34M | 1.22B | 1.94B | - | 150.21M | 1.45B | 804.35M | 1.41B | 2.64B | 5.95B | 9.42B | -4.58B | 4.77B | 5.96B | 3.92B |
| Capital Expenditure | -20.64M | -23.43M | -32.59M | -35.56M | -44.04M | -38.31M | -44.79M | -53.76M | -50.84M | -36.45M | -57.94M | -72.31M | -60.22M | -33.69M | -51.72M | -23.10M | -20.01M | -48.58M |
| Free Cash Flow | 113.39M | 123.26M | 147.40M | 177.49M | 179.71M | 256.88M | - | 158.15M | 245.60M | 290.08M | 237.76M | 267.62M | 313.38M | 500.39M | 717.84M | 449.50M | 205.28M | 978.11M |
| Share Buybacks | 23.41M | 26.89M | 8.88M | 9.14M | 20.42M | 3.50M | 5.74M | 8.46M | 16.37M | 15.28M | 76.51M | 4.50M | 63.77M | 5.51M | 32.00M | 8.37M | 7.74M | 17.63M |
| Dividends Paid | 26.81M | 28.79M | 30.33M | 31.80M | 33.79M | 36.17M | 41.36M | 45.97M | 49.04M | 51.88M | 58.28M | 59.44M | 60.28M | 66.75M | 72.03M | 74.25M | 77.13M | 135.62M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 31.8% | 26.4% | 30.1% | 28.9% |
| ROE % | 10.1% | 8.8% | 8.6% | 8.9% | 9.6% | 8.9% | 7.3% | 6.1% | 8.1% | 11.3% | 8.8% | 9.3% | 9.5% | - | 16.2% | 11.3% | 12.7% | 9.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 13.45% | 10.22M | $1.48B |
| 2 | UMB Bank NA/MO | 6.16% | 4.67M | $675.93M |
| 3 | Vanguard Portfolio Management LLC | 5.55% | 4.21M | $609.15M |
| 4 | State Street Corporation | 5.44% | 4.13M | $597.61M |
| 5 | Vanguard Capital Management LLC | 4.12% | 3.13M | $452.60M |
| 6 | Dimensional Fund Advisors LP | 3.99% | 3.03M | $438.22M |
| 7 | FMR, LLC | 3.52% | 2.67M | $386.28M |
| 8 | Geode Capital Management, LLC | 2.72% | 2.06M | $298.55M |
| 9 | Wellington Management Group, LLP | 2.22% | 1.69M | $243.95M |
| 10 | Neuberger Berman Group, LLC | 2.06% | 1.56M | $225.88M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for UMBF
Is UMB Financial (UMBF) Stock Undervalued Right Now? - Yahoo Finance
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Insider Purchase: Director at $UMBF Buys 573 Shares - quiverquant.com
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UMB Financial Corporation's Growth And Quality Justify Optimism (NASDAQ:UMBF) - Seeking Alpha
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UMB Financial (UMBF) Stock Could Be 39% Below Fair Value Despite Fresh Analyst Coverage - simplywall.st
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Director at UMB Financial (UMBF) lifts stake to 10,680 shares - Stock Titan
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Insider Buying: UMB Financial (NASDAQ:UMBF) Director Purchases $79,990.80 in Stock - marketbeat.com
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UMBF — Frequently Asked Questions
What is the current share price of UMB Financial Corporation (UMBF)?
As of 2026-09-07 16:24 PDT, UMB Financial Corporation (UMBF) trades at $144.02 on NasdaqGS. Its 52-week range is $102.87 to $152.04.
What is the market capitalisation of UMBF?
UMB Financial Corporation (UMBF) has a market capitalisation of $10.94B on NasdaqGS.
What is the P/E ratio of UMBF?
UMBF trades at a trailing price-to-earnings (P/E) ratio of 11.93. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.47.
Does UMBF pay a dividend?
UMB Financial Corporation (UMBF) currently offers a dividend yield of 1.38%.
What is the return on equity (ROE) of UMBF?
UMBF has a return on equity (ROE) of 12.31%.
Is UMBF a good stock to buy?
This page provides a data-driven analysis of UMB Financial Corporation (UMBF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.