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UMB Financial Corp (UMBF)
NASDAQ:UMBF
Total Valuation
UMB Financial has a market cap or net worth of $8.12B. The enterprise value is $3.80B.
Market Cap$8.12B
Enterprise Value$3.80B
Share Statistics
UMB Financial has 75,954,660 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding75,954,660
Owned by Insiders4.06%
Owned by Institutions0.70%
Financial Efficiency
UMB Financial’s return on equity (ROE) is 0.13 and return on invested capital (ROIC) is 6.40%.
Return on Equity (ROE)0.13
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)6.40%
Return on Capital Employed (ROCE)0.13
Revenue Per Employee713.08K
Profits Per Employee119.32K
Employee Count3,698
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of UMB Financial is 12.1. UMB Financial’s PEG ratio is 0.49.
PE Ratio12.1
PS Ratio2.09
PB Ratio1.59
Price to Fair Value1.59
Price to FCF27.36
Price to Operating Cash Flow11.50
PEG Ratio0.49
Income Statement
In the last 12 months, UMB Financial had revenue of 2.64B and earned 441.24M in profits. Earnings per share was 9.05.
Revenue2.64B
Gross Profit1.41B
Operating Income541.27M
Pretax Income541.27M
Net Income441.24M
EBITDA594.04M
Earnings Per Share (EPS)9.05
Cash Flow
In the last 12 months, operating cash flow was 853.75M and capital expenditures -10.18M, giving a free cash flow of 843.57M billion.
Operating Cash Flow853.75M
Free Cash Flow843.57M
Free Cash Flow per Share11.11
Dividends & Yields
UMB Financial pays an annual dividend of $0.4, resulting in a dividend yield of 1.42%
Dividend Per Share$0.4
Dividend Yield1.42%
Payout Ratio12.33%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.18
52-Week Price Change0.41%
50-Day Moving Average117.82
200-Day Moving Average108.33
Relative Strength Index (RSI)34.56
Average Volume (3m)452.88K
Important Dates
UMB Financial upcoming earnings date is Feb 3, 2026, After Close (Confirmed).
Last Earnings DateSep 30, 2025
Next Earnings DateFeb 3, 2026
Ex-Dividend DateSep 10, 2025
Financial Position
UMB Financial as a current ratio of 0.36, with Debt / Equity ratio of 44.46%
Current Ratio0.36
Quick Ratio0.36
Debt to Market Cap0.54
Net Debt to EBITDA-9.37
Interest Coverage Ratio0.46
Taxes
In the past 12 months, UMB Financial has paid 100.03M in taxes.
Income Tax100.03M
Effective Tax Rate0.18
Enterprise Valuation
UMB Financial EV to EBITDA ratio is -0.11, with an EV/FCF ratio of -0.31.
EV to Sales-0.02
EV to EBITDA-0.11
EV to Free Cash Flow-0.31
EV to Operating Cash Flow-0.28
Balance Sheet
UMB Financial has $1.07B in cash and marketable securities with $3.31B in debt, giving a net cash position of -$2.24B billion.
Cash & Marketable Securities$1.07B
Total Debt$3.31B
Net Cash-$2.24B
Net Cash Per Share-$29.45
Tangible Book Value Per Share$65.20
Margins
Gross margin is 11.92%, with operating margin of 20.53%, and net profit margin of 16.73%.
Gross Margin11.92%
Operating Margin20.53%
Pretax Margin20.53%
Net Profit Margin16.73%
EBITDA Margin22.53%
EBIT Margin20.53%
Analyst Forecast
The average price target for UMB Financial is $142.38, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$142.38
Price Target Upside33.21% Upside
Analyst ConsensusStrong Buy
Analyst Count9
Revenue Growth Forecast38.81%
EPS Growth Forecast10.38%