NASDAQ · Banks - Regional

UMBF (UMBF) Stock

$140.97 -0.16% NASDAQ: UMBF Financial Services

Valuation

MetricValue
Price$140.97
Market Cap$10.71B
P/E Ratio13.78
P/B Ratio1.24
P/S Ratio2.14
EPS (TTM)$9.13
52-Week High$147.29
52-Week Low$99.10
Dividend Yield1.32%

Financials & Margins

MetricValue
ROE9.12%
ROA0.96%
ROCE11.70%
Gross Margin20.25%
Operating Margin20.25%
Net Margin19.79%
Debt/Equity0.51
Current Ratio0.01

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.2B$1.6B$2.2B$2.6B$4.4B
Operating Profit$429.0M$532.0M$422.0M$541.0M$900.0M
Net Profit$353.0M$432.0M$350.0M$441.0M$702.0M
EPS$7.24$8.86$7.18$8.99$9.13
Op Margin34.5%33.6%18.8%20.5%20.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$42.7B$38.5B$44.0B$50.4B$73.1B
Total Liabilities$39.5B$35.8B$40.9B$46.9B$65.4B
Cash$9.3B$1.7B$5.6B$8.6B$953.0M
Borrowings$3.5B$2.6B$3.5B$3.0B$3.8B

Latest News

UMBF: Raising target price to $159.00 Argus Research · Jul 22, 2026 UMB Financial (UMBF) Earnings Expected to Grow: Should You Buy? Zacks · Jul 21, 2026 1 Unpopular Stock That Deserves Some Love and 2 That Underwhelm StockStory · Jul 17, 2026 1 Bank Stock to Research Further and 2 We Turn Down StockStory · Jul 15, 2026 UMB Financial (UMBF) Could Be 5% Undervalued As Analysts Lift Growth Confidence Simply Wall St. · Jul 11, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$534.0M$770.0M$473.0M$225.0M$1.0B
Investing Cash Flow$-4.3B$-3.9B$-1.3B$-3.3B$-5.7B
Financing Cash Flow$8.6B$-4.6B$3.0B$7.8B$3.8B
Net Cash Flow$5.7B$-7.7B$4.0B$2.9B$-677.0M
Free Cash Flow$500.0M$718.0M$446.0M$201.0M$978.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y34.54%
Return 3Y125.42%
Return 5Y81.45%

Ownership

Insiders Held5.31%
Institutions Held95.16%
Institutions Float Held100.49%
Institutional HolderSharesReport Date
Blackrock Inc.9,344,4672026-03-31
UMB Bank NA/MO4,723,5732026-03-31
Vanguard Portfolio Management LLC4,136,2202026-03-31
State Street Corporation3,981,6012026-03-31
Vanguard Capital Management LLC3,101,2932026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BOKF $142.44 +0.93% 13.44 $8.65B 1.85%
BPOP $174.04 -1.19% 10.76 $11.12B 2.03%
CBSH $59.93 +0.44% 13.64 $8.74B 1.96%
CFGCitizens Financial Group, Inc. $73.60 -0.11% 15.10 $31.12B 2.96%
CFR $165.95 +1.26% 14.17 $10.42B 2.77%

About UMBF

UMBF is led by CEO J. Mariner Kemper, employs 5,222 people, headquartered in Kansas City, US, publicly traded since 1980.

UMBF stock trades at $140.97 with a market capitalization of $10.71B. The stock is valued at a price-to-earnings (P/E) ratio of 13.78, price-to-book of 1.24, price-to-sales of 2.14. Over the past 52 weeks the stock has ranged between $99.10 and $147.29, and currently trades 4.3% below its 52-week high. It pays a dividend yielding 1.32%.

On profitability, UMBF generates a return on equity (ROE) of 9.12%, return on capital employed of 11.70%, an operating margin of 20.25%, a net profit margin of 19.79%.

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