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UMB Financial Corp (UMBF)
NASDAQ:UMBF
US Market

UMB Financial (UMBF) Ratios

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UMB Financial Ratios

UMBF's free cash flow for Q3 2025 was $0.44. For the 2025 fiscal year, UMBF's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.01 0.36 0.34 <0.01 1.09
Quick Ratio
0.01 0.36 0.34 0.19 1.64
Cash Ratio
0.01 0.19 0.14 0.10 0.47
Solvency Ratio
0.01 0.01 <0.01 1.27 1.50
Operating Cash Flow Ratio
0.01 <0.01 0.01 0.05 0.03
Short-Term Operating Cash Flow Coverage
0.00 0.09 0.15 0.00 0.00
Net Current Asset Value
$ -64.45B$ -30.18B$ -27.72B$ -26.67B$ -17.90B
Leverage Ratios
Debt-to-Assets Ratio
<0.01 0.06 0.08 <0.01 <0.01
Debt-to-Equity Ratio
0.06 0.86 1.13 0.14 0.09
Debt-to-Capital Ratio
0.06 0.46 0.53 0.13 0.08
Long-Term Debt-to-Capital Ratio
0.06 0.10 0.11 0.13 0.08
Financial Leverage Ratio
9.50 14.54 14.20 14.44 13.57
Debt Service Coverage Ratio
0.59 0.13 0.10 2.17 8.95
Interest Coverage Ratio
0.60 0.46 0.46 3.36 9.33
Debt to Market Cap
0.05 0.54 0.86 0.09 0.05
Interest Debt Per Share
25.90 85.44 91.16 12.52 6.58
Net Debt to EBITDA
-0.45 -9.37 -4.38 1.58 -11.85
Profitability Margins
Gross Profit Margin
54.41%53.31%57.24%100.00%100.00%
EBIT Margin
20.25%20.53%18.78%239.74%36.11%
EBITDA Margin
23.86%22.53%21.40%264.08%40.77%
Operating Profit Margin
20.25%20.53%18.78%338.29%35.87%
Pretax Profit Margin
19.69%20.53%18.78%239.74%35.87%
Net Profit Margin
15.81%16.73%15.59%194.52%29.52%
Continuous Operations Profit Margin
15.81%16.73%15.59%194.52%29.52%
Net Income Per EBT
80.28%81.52%83.02%81.14%82.28%
EBT Per EBIT
97.22%100.00%100.00%70.87%100.00%
Return on Assets (ROA)
0.96%0.88%0.80%1.12%0.83%
Return on Equity (ROE)
9.63%12.73%11.29%16.19%11.22%
Return on Capital Employed (ROCE)
11.02%12.62%8.95%15.59%11.90%
Return on Invested Capital (ROIC)
-1.18%6.40%4.47%7.66%5.16%
Return on Tangible Assets
0.99%0.88%0.80%1.13%0.83%
Earnings Yield
7.23%8.02%8.64%10.69%6.89%
Efficiency Ratios
Receivables Turnover
0.00 6.20 4.32 0.00 9.12
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 12.89 10.62 0.84 4.41
Asset Turnover
0.06 0.05 0.05 <0.01 0.03
Working Capital Turnover Ratio
-0.08 -0.10 -0.09 -0.03 0.94
Cash Conversion Cycle
0.00 58.88 84.51 113.62 120.84
Days of Sales Outstanding
0.00 58.88 84.51 113.62 120.84
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 58.88 84.51 113.62 120.84
Cash Flow Ratios
Operating Cash Flow Per Share
11.25 4.62 9.74 15.92 11.06
Free Cash Flow Per Share
10.61 4.12 9.19 14.85 10.37
CapEx Per Share
0.63 0.50 0.55 1.07 0.70
Free Cash Flow to Operating Cash Flow
0.94 0.89 0.94 0.93 0.94
Dividend Paid and CapEx Coverage Ratio
5.25 2.22 4.67 6.22 5.32
Capital Expenditure Coverage Ratio
17.78 9.31 17.56 14.88 15.85
Operating Cash Flow Coverage Ratio
1.80 0.08 0.13 2.02 1.97
Operating Cash Flow to Sales Ratio
0.19 0.09 0.21 3.47 0.45
Free Cash Flow Yield
8.29%3.65%11.00%17.78%9.77%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.83 12.47 11.58 9.35 14.51
Price-to-Sales (P/S) Ratio
2.19 2.09 1.81 18.19 4.28
Price-to-Book (P/B) Ratio
1.26 1.59 1.31 1.51 1.63
Price-to-Free Cash Flow (P/FCF) Ratio
12.06 27.36 9.09 5.62 10.24
Price-to-Operating Cash Flow Ratio
11.38 24.42 8.57 5.25 9.59
Price-to-Earnings Growth (PEG) Ratio
4.10 0.49 -0.60 0.42 0.63
Price-to-Fair Value
1.26 1.59 1.31 1.51 1.63
Enterprise Value Multiple
8.72 -0.11 4.06 4.67 -7.92
Enterprise Value
9.24B -62.74M 1.95B 4.96B -623.71M
EV to EBITDA
8.72 -0.11 4.06 8.47 -1.29
EV to Sales
2.08 -0.02 0.87 3.13 -0.50
EV to Free Cash Flow
11.47 -0.31 4.37 6.91 -1.25
EV to Operating Cash Flow
10.82 -0.28 4.12 6.45 -1.17
Tangible Book Value Per Share
70.69 65.20 57.55 782.88 874.91
Shareholders’ Equity Per Share
101.34 71.11 63.92 55.17 65.16
Tax and Other Ratios
Effective Tax Rate
0.20 0.18 0.17 0.19 0.18
Revenue Per Share
58.53 54.09 46.27 4.59 24.78
Net Income Per Share
9.25 9.05 7.22 8.93 7.31
Tax Burden
0.80 0.82 0.83 0.81 0.82
Interest Burden
0.97 1.00 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 0.23 0.25 0.33 0.41
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 0.01 0.02
Income Quality
1.41 0.51 1.35 1.78 1.51
Currency in USD