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STOCKS

UMB Financial Corp (UMBF)

NASDAQ:UMBF

UMBF

UMB Financial

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UMB Financial (UMBF) Ratios

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UMB Financial Ratios

UMBF's free cash flow for Q1 2025 was $0.50. For the 2025 fiscal year, UMBF's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.36	0.34	<0.01	1.09	1.06
Quick Ratio	0.36	0.34	0.19	1.64	1.51
Cash Ratio	0.17	0.14	0.10	0.47	0.29
Solvency Ratio	<0.01	<0.01	1.27	1.50	1.29
Operating Cash Flow Ratio	<0.01	0.01	0.05	0.03	0.03
Short-Term Operating Cash Flow Coverage	0.21	0.15	0.00	0.00	0.00
Net Current Asset Value	$ -40.50B	$ -27.72B	$ -380.89M	$ 21.09B	$ 12.71B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.08	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	0.48	1.13	0.14	0.09	0.09
Debt-to-Capital Ratio	0.32	0.53	0.13	0.08	0.08
Long-Term Debt-to-Capital Ratio	0.09	0.11	0.13	0.08	0.08
Financial Leverage Ratio	10.28	14.20	14.44	13.57	10.98
Debt Service Coverage Ratio	0.13	0.10	2.17	8.95	4.52
Interest Coverage Ratio	0.41	0.46	3.36	9.33	4.39
Debt to Market Cap	0.38	0.86	0.09	0.05	0.08
Interest Debt Per Share	68.31	91.16	12.52	6.58	7.21
Net Debt to EBITDA	-13.21	-4.38	-2.22	-18.43	-8.14
Profitability Margins
Gross Profit Margin	51.98%	57.24%	100.00%	100.00%	100.00%
EBIT Margin	17.58%	18.78%	239.74%	36.11%	27.82%
EBITDA Margin	19.98%	21.40%	264.08%	40.77%	32.97%
Operating Profit Margin	17.58%	18.78%	338.29%	35.87%	27.82%
Pretax Profit Margin	17.58%	18.78%	239.74%	35.87%	27.82%
Net Profit Margin	14.48%	15.59%	194.52%	29.52%	23.52%
Continuous Operations Profit Margin	14.48%	15.59%	194.52%	29.52%	23.52%
Net Income Per EBT	82.39%	83.02%	81.14%	82.28%	84.54%
EBT Per EBIT	100.00%	100.00%	70.87%	100.00%	100.00%
Return on Assets (ROA)	0.59%	0.80%	1.12%	0.83%	0.86%
Return on Equity (ROE)	9.71%	11.29%	16.19%	11.22%	9.50%
Return on Capital Employed (ROCE)	6.32%	8.95%	3.38%	1.86%	1.62%
Return on Invested Capital (ROIC)	3.94%	4.47%	-3.87%	2.20%	2.41%
Return on Tangible Assets	0.62%	0.80%	1.13%	0.83%	0.87%
Earnings Yield	5.65%	8.64%	10.69%	6.89%	8.63%
Efficiency Ratios
Receivables Turnover	6.03	4.32	0.00	9.12	8.71
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	7.28	10.62	0.84	4.41	4.16
Asset Turnover	0.04	0.05	<0.01	0.03	0.04
Working Capital Turnover Ratio	-0.08	-0.09	-0.03	0.94	2.09
Cash Conversion Cycle	60.49	84.51	0.00	40.01	41.91
Days of Sales Outstanding	60.49	84.51	0.00	40.01	41.91
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	60.49	84.51	0.00	40.01	41.91
Cash Flow Ratios
Operating Cash Flow Per Share	8.18	9.74	15.92	11.06	7.76
Free Cash Flow Per Share	7.71	9.19	14.85	10.37	6.51
CapEx Per Share	0.47	0.55	1.07	0.70	1.25
Free Cash Flow to Operating Cash Flow	0.94	0.94	0.93	0.94	0.84
Dividend Paid and CapEx Coverage Ratio	4.48	4.67	6.22	5.32	3.10
Capital Expenditure Coverage Ratio	17.36	17.56	14.88	15.85	6.20
Operating Cash Flow Coverage Ratio	0.17	0.13	2.02	1.97	1.39
Operating Cash Flow to Sales Ratio	0.19	0.21	3.47	0.45	0.31
Free Cash Flow Yield	5.89%	11.00%	17.78%	9.77%	9.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	17.69	11.58	9.35	14.51	11.59
Price-to-Sales (P/S) Ratio	2.99	1.81	18.19	4.28	2.73
Price-to-Book (P/B) Ratio	1.08	1.31	1.51	1.63	1.10
Price-to-Free Cash Flow (P/FCF) Ratio	16.97	9.09	5.62	10.24	10.60
Price-to-Operating Cash Flow Ratio	13.70	8.57	5.25	9.59	8.89
Price-to-Earnings Growth (PEG) Ratio	-1.53	-0.60	0.42	0.63	0.60
Price-to-Fair Value	1.08	1.31	1.51	1.63	1.10
Enterprise Value Multiple	1.75	4.06	4.67	-7.92	0.12
Enterprise Value	994.75M	1.95B	2.74B	-3.86B	49.94M
EV to EBITDA	1.75	4.06	4.67	-7.92	0.12
EV to Sales	0.35	0.87	12.34	-3.23	0.04
EV to Free Cash Flow	1.98	4.37	3.82	-7.72	0.16
EV to Operating Cash Flow	1.87	4.12	3.56	-7.23	0.13
Tangible Book Value Per Share	67.52	57.55	782.88	874.91	678.39
Shareholders’ Equity Per Share	103.72	63.92	55.17	65.16	62.67
Tax and Other Ratios
Effective Tax Rate	0.18	0.17	0.19	0.18	0.15
Revenue Per Share	43.75	46.27	4.59	24.78	25.31
Net Income Per Share	6.34	7.22	8.93	7.31	5.95
Tax Burden	0.82	0.83	0.81	0.82	0.85
Interest Burden	1.00	1.00	1.00	0.99	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.24	0.25	2.36	0.44	0.43
Stock-Based Compensation to Revenue	0.01	<0.01	0.10	0.02	0.01
Income Quality	1.29	1.35	1.78	1.51	1.30

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