UMB Financial Statistics

Total Valuation

UMB Financial has a market cap or net worth of $9.54 billion. The enterprise value is $5.63 billion.

Market Cap	9.54B
Enterprise Value	5.63B

Important Dates

The last earnings date was Tuesday, April 28, 2026, after market close.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	Mar 10, 2026

Share Statistics

UMB Financial has 76.14 million shares outstanding. The number of shares has increased by 50.17% in one year.

Current Share Class	76.14M
Shares Outstanding	76.14M
Shares Change (YoY)	+50.17%
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	3.86%
Owned by Institutions (%)	89.52%
Float	72.43M

Valuation Ratios

The trailing PE ratio is 13.49 and the forward PE ratio is 10.20. UMB Financial's PEG ratio is 0.92.

PE Ratio	13.49
Forward PE	10.20
PS Ratio	3.49
Forward PS	3.24
PB Ratio	1.29
P/TBV Ratio	1.82
P/FCF Ratio	9.76
P/OCF Ratio	n/a
PEG Ratio	0.92

Financial Ratio History

Enterprise Valuation

EV / Earnings	6.54
EV / Sales	2.06
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	5.76

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.12
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.11%.

Return on Equity (ROE)	12.11%
Return on Assets (ROA)	1.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.95%
Revenue Per Employee	$523,186
Profits Per Employee	$164,864
Employee Count	5,222
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UMB Financial has paid $230.68 million in taxes.

Income Tax	230.68M
Effective Tax Rate	20.72%

Stock Price Statistics

The stock price has increased by +31.04% in the last 52 weeks. The beta is 0.77, so UMB Financial's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+31.04%
50-Day Moving Average	117.53
200-Day Moving Average	116.91
Relative Strength Index (RSI)	67.24
Average Volume (20 Days)	606,113

Short Selling Information

The latest short interest is 2.98 million, so 3.91% of the outstanding shares have been sold short.

Short Interest	2.98M
Short Previous Month	2.81M
Short % of Shares Out	3.91%
Short % of Float	4.11%
Short Ratio (days to cover)	5.17

Income Statement

In the last 12 months, UMB Financial had revenue of $2.73 billion and earned $860.92 million in profits. Earnings per share was $11.27.

Revenue	2.73B
Gross Profit	2.73B
Operating Income	1.24B
Pretax Income	1.11B
Net Income	860.92M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$11.27

Full Income Statement

Balance Sheet

The company has $7.94 billion in cash and $4.03 billion in debt, giving a net cash position of $3.91 billion or $51.38 per share.

Cash & Cash Equivalents	7.94B
Total Debt	4.03B
Net Cash	3.91B
Net Cash Per Share	$51.38
Equity (Book Value)	7.83B
Book Value Per Share	99.07
Working Capital	-55.56B

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	492.59M
Free Cash Flow	978.11M
FCF Per Share	$12.85

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	45.44%
Pretax Margin	40.74%
Profit Margin	32.30%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	35.80%

Dividends & Yields

This stock pays an annual dividend of $1.72, which amounts to a dividend yield of 1.38%.

Dividend Per Share	$1.72
Dividend Yield	1.38%
Dividend Growth (YoY)	5.06%
Years of Dividend Growth	33
Payout Ratio	17.87%
Buyback Yield	-50.17%
Shareholder Yield	-48.80%
Earnings Yield	9.02%
FCF Yield	10.25%

Dividend Details

Analyst Forecast

The average price target for UMB Financial is $138.90, which is 10.81% higher than the current price. The consensus rating is "Buy".

Price Target	$138.90
Price Target Difference	10.81%
Analyst Consensus	Buy
Analyst Count	10
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on May 31, 2006. It was a forward split with a ratio of 2:1.

Last Split Date	May 31, 2006
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2