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STOCKS

UMB Financial Corp (UMBF)

NASDAQ:UMBF

UMBF

UMB Financial

RESEARCH TOOLSreports

UMB Financial (UMBF) Ratios

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118 Followers

UMB Financial Ratios

UMBF's free cash flow for Q4 2025 was $0.66. For the 2025 fiscal year, UMBF's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.01	0.01	0.36	0.34	0.26
Quick Ratio	0.01	0.01	0.36	0.34	0.26
Cash Ratio	0.01	0.01	0.19	0.14	0.05
Solvency Ratio	0.01	0.01	0.01	<0.01	0.01
Operating Cash Flow Ratio	<0.01	0.02	<0.01	0.01	0.02
Short-Term Operating Cash Flow Coverage	0.05	0.31	0.09	0.15	0.35
Net Current Asset Value	$ -64.45B	$ -64.45B	$ -30.18B	$ -27.72B	$ -26.67B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.06	0.08	0.07
Debt-to-Equity Ratio	0.49	0.49	0.86	1.13	0.98
Debt-to-Capital Ratio	0.33	0.33	0.46	0.53	0.49
Long-Term Debt-to-Capital Ratio	0.06	0.06	0.10	0.11	0.13
Financial Leverage Ratio	9.50	9.50	14.54	14.20	14.44
Debt Service Coverage Ratio	0.18	0.18	0.13	0.10	0.20
Interest Coverage Ratio	0.60	0.60	0.46	0.46	2.38
Debt to Market Cap	0.45	0.43	0.54	0.86	0.64
Interest Debt Per Share	69.69	69.69	85.44	91.16	58.48
Net Debt to EBITDA	2.69	2.69	-9.37	-4.38	1.58
Profitability Margins
Gross Profit Margin	54.41%	54.41%	53.31%	57.24%	83.47%
EBIT Margin	20.25%	20.25%	20.53%	18.78%	33.60%
EBITDA Margin	23.86%	23.86%	22.53%	21.40%	37.02%
Operating Profit Margin	20.25%	20.25%	20.53%	18.78%	33.60%
Pretax Profit Margin	19.69%	19.69%	20.53%	18.78%	33.60%
Net Profit Margin	15.81%	15.81%	16.73%	15.59%	27.27%
Continuous Operations Profit Margin	15.81%	15.81%	16.73%	15.59%	27.27%
Net Income Per EBT	80.28%	80.28%	81.52%	83.02%	81.14%
EBT Per EBIT	97.22%	97.22%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.96%	0.96%	0.88%	0.80%	1.12%
Return on Equity (ROE)	9.63%	9.13%	12.73%	11.29%	16.19%
Return on Capital Employed (ROCE)	11.02%	11.02%	12.62%	8.95%	15.59%
Return on Invested Capital (ROIC)	-1.25%	-1.25%	6.40%	4.47%	7.66%
Return on Tangible Assets	0.99%	0.99%	0.88%	0.80%	1.13%
Earnings Yield	8.36%	8.04%	8.02%	8.64%	10.69%
Efficiency Ratios
Receivables Turnover	0.00	0.00	6.20	4.32	3.21
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	11.16	11.16	12.89	10.62	7.26
Asset Turnover	0.06	0.06	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.08	-0.10	-0.10	-0.09	-0.07
Cash Conversion Cycle	0.00	0.00	58.88	84.51	113.62
Days of Sales Outstanding	0.00	0.00	58.88	84.51	113.62
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	58.88	84.51	113.62
Cash Flow Ratios
Operating Cash Flow Per Share	2.34	13.44	4.62	9.74	15.92
Free Cash Flow Per Share	1.42	12.80	4.12	9.19	14.85
CapEx Per Share	0.92	0.64	0.50	0.55	1.07
Free Cash Flow to Operating Cash Flow	0.61	0.95	0.89	0.94	0.93
Dividend Paid and CapEx Coverage Ratio	0.86	5.54	2.22	4.67	6.22
Capital Expenditure Coverage Ratio	2.54	21.00	9.31	17.56	14.88
Operating Cash Flow Coverage Ratio	0.05	0.27	0.08	0.13	0.30
Operating Cash Flow to Sales Ratio	0.04	0.23	0.09	0.21	0.49
Free Cash Flow Yield	1.28%	11.13%	3.65%	11.00%	17.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.97	12.43	12.47	11.58	9.35
Price-to-Sales (P/S) Ratio	1.90	1.97	2.09	1.81	2.55
Price-to-Book (P/B) Ratio	1.09	1.14	1.59	1.31	1.51
Price-to-Free Cash Flow (P/FCF) Ratio	78.35	8.99	27.36	9.09	5.62
Price-to-Operating Cash Flow Ratio	47.31	8.56	24.42	8.57	5.25
Price-to-Earnings Growth (PEG) Ratio	3.55	7.50	0.49	-0.60	0.42
Price-to-Fair Value	1.09	1.14	1.59	1.31	1.51
Enterprise Value Multiple	10.64	10.92	-0.11	4.06	8.47
Enterprise Value	11.28B	11.58B	-62.74M	1.95B	4.96B
EV to EBITDA	10.64	10.92	-0.11	4.06	8.47
EV to Sales	2.54	2.61	-0.02	0.87	3.13
EV to Free Cash Flow	104.81	11.92	-0.31	4.37	6.91
EV to Operating Cash Flow	63.47	11.35	-0.28	4.12	6.45
Tangible Book Value Per Share	70.69	70.69	65.20	57.55	48.31
Shareholders’ Equity Per Share	101.34	101.34	71.11	63.92	55.17
Tax and Other Ratios
Effective Tax Rate	0.20	0.20	0.18	0.17	0.19
Revenue Per Share	58.53	58.53	54.09	46.27	32.75
Net Income Per Share	9.25	9.25	9.05	7.22	8.93
Tax Burden	0.80	0.80	0.82	0.83	0.81
Interest Burden	0.97	0.97	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.25	0.23	0.25	0.33
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	0.01
Income Quality	0.25	1.45	0.51	1.35	1.78

Currency in USD