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Apr 30, 2026·SEC
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UMB Financial Corporation(UMBF)Earnings, Financials & Key Ratios
UMBF•NASDAQ•Banking & Credit
$131.06
$9.98B mkt cap·14.4× P/E·Price updated May 6, 2026
AboutUMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.Show more
- Net Interest Income$2.57B+157.0%
- Total Revenue$4.44B+68.5%
- Net Income$702M+59.2%
- Return on Equity12.59%-6.3%
- Net Interest Margin3.52%+77.2%
- Efficiency Ratio34.15%+4.2%
- ROA1.14%+21.7%
- Equity / Assets10.53%+53.1%
- Book Value per Share100.60+42.4%
- Tangible BV/Share70.18+8.3%
- Debt/Equity0.49-42.8%
UMBF Key Insights
UMB Financial Corporation (UMBF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 19.6%
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 3.5%
- ✓Efficient operations: 34.2% efficiency ratio
- ✓17 consecutive years of dividend growth
- ✓Well capitalized: 10.5% equity/assets
✗Weaknesses
- ✗Shares diluted 55.9% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
UMBF Price & Volume
UMB Financial Corporation (UMBF) stock price & volume — 10-year historical chart
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UMBF Growth Metrics
UMB Financial Corporation (UMBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years19.55%
5 Years27.96%
3 Years41.06%
TTM-
Profit CAGR
10 Years19.73%
5 Years19.64%
3 Years17.62%
TTM114.03%
EPS CAGR
10 Years14.11%
5 Years9.01%
3 Years1.01%
TTM41.76%
Return on Capital
10 Years11.61%
5 Years12.84%
3 Years12.29%
Last Year14.45%
UMBF Recent Earnings
UMB Financial Corporation (UMBF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 28, 2026EPS
$3.41
Est $2.82
+20.9%
Revenue
$739M
Est $702M
+5.3%
Q1 2026
Jan 27, 2026EPS
$3.08
Est $2.71
+13.7%
Revenue
$721M
Est $678M
+6.4%
Q4 2025
Oct 28, 2025EPS
$2.70
Est $2.50
+8.0%
Revenue
$1.1B
Est $662M
+64.4%
Q3 2025
Jul 29, 2025EPS
$2.96
Est $2.37
+24.9%
Revenue
$633M
Est $652M
-2.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $3.41vs $2.82+20.9% | $739Mvs $702M+5.3% |
| Q1 2026 | Jan 27, 2026 | $3.08vs $2.71+13.7% | $721Mvs $678M+6.4% |
| Q4 2025 | Oct 28, 2025 | $2.70vs $2.50+8.0% | $1.1Bvs $662M+64.4% |
| Q3 2025 | Jul 29, 2025 | $2.96vs $2.37+24.9% | $633Mvs $652M-2.9% |
Based on last 12 quarters of dataView full earnings history →
UMBF Peer Comparison
UMB Financial Corporation (UMBF) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WTFC | 10.08B | 150.46 | 13.02 | 6.66% | 19.48% | 11.35% | 9.03% | 0.62 |
 CBSH | 7.66B | 52.13 | 12.78 | 2.23% | 26.46% | 15.34% | 7.74% | 0.79 |
 BOKF | 10.38B | 134.76 | 16.56 | 10.4% | 15.57% | 8.91% | 13.78% | 0.80 |
 IBCP | 690.04M | 33.52 | 10.25 | -0.3% | 21.73% | 14.2% | 10.17% | 0.23 |
 FFIN | 4.58B | 32.22 | 20.65 | 18.79% | 30.24% | 13.25% | 6.39% | 0.12 |
 HBAN | 25.97B | 16.41 | 11.81 | 4.38% | 17.71% | 10.04% | 8.77% | 0.76 |
 FHN | 12.02B | 24.78 | 13.18 | 0.97% | 19.72% | 10.74% | 5.23% | 0.50 |
 NTRS | 29.95B | 161.60 | 18.49 | -9.93% | 12.15% | 13.45% | 18.23% | 1.27 |
Compare UMBF vs Peers
UMB Financial Corporation (UMBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UMBF Income Statement
UMB Financial Corporation (UMBF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 558.91M | 610.45M | 670.9M | 731.23M | 815.52M | 913.8M | 920.12M | 1B | 2.57B | 2.71B |
| NII Growth % | 12.84% | 9.22% | 9.9% | 8.99% | 11.53% | 12.05% | 0.69% | 8.78% | 156.95% | 598.07% |
| Net Interest Margin % | 2.57% | 2.61% | 2.53% | 2.21% | 1.91% | 2.37% | 2.09% | 1.99% | 3.52% | 3.73% |
| Interest Income | 616.91M | 731.96M | 862.89M | 808.49M | 861.52M | 1.14B | 1.84B | 2.17B | 4.06B | 4.19B |
| Interest Expense | 58M | 121.52M | 191.99M | 77.26M | 46M | 223.72M | 918.59M | 1.17B | 1.49B | 1.48B |
| Loan Loss Provision | 41M | 70.75M | 32.85M | 130.5M | 20M | 37.9M | 41.23M | 61.05M | 533.99M | 447.99M |
| Non-Interest Income | 361.76M | 337.21M | 356.82M | 487M | 380.47M | 445.64M | 405.79M | 465.95M | 379.85M | 267.3M |
| Non-Interest Income % | 36.96% | 31.54% | 29.25% | 37.59% | 30.63% | 28.15% | 18.08% | 17.67% | 8.55% | 5.99% |
| Total Revenue | 978.67M▲ 0% | 1.07B▲ 9.2% | 1.22B▲ 14.1% | 1.3B▲ 6.2% | 1.24B▼ 4.1% | 1.58B▲ 27.5% | 2.24B▲ 41.8% | 2.64B▲ 17.5% | 4.44B▲ 68.5% | 4.46B▲ 0% |
| Revenue Growth % | 12.65% | 9.25% | 14.08% | 6.21% | -4.13% | 27.47% | 41.77% | 17.49% | 68.52% | 241.11% |
| Non-Interest Expense | 643.33M | 653.31M | 708.91M | 748.84M | 746.93M | 789.52M | 863.07M | 864.52M | 1.52B | 1.59B |
| Efficiency Ratio | 65.73% | 61.1% | 58.12% | 57.8% | 60.14% | 49.87% | 38.45% | 32.78% | 34.15% | 35.75% |
| Operating Income | 236.35M▲ 0% | 223.59M▼ 5.4% | 285.96M▲ 27.9% | 338.89M▲ 18.5% | 429.06M▲ 26.6% | 532.01M▲ 24.0% | 421.6M▼ 20.8% | 541.27M▲ 28.4% | 899.96M▲ 66.3% | 933.39M▲ 0% |
| Operating Margin % | 24.15% | 20.91% | 23.45% | 26.16% | 34.55% | 33.6% | 18.78% | 20.53% | 20.25% | 20.93% |
| Operating Income Growth % | 19.01% | -5.4% | 27.89% | 18.51% | 26.61% | 23.99% | -20.75% | 28.38% | 66.27% | - |
| Pretax Income | 236.35M▲ 0% | 223.59M▼ 5.4% | 285.96M▲ 27.9% | 338.89M▲ 18.5% | 429.06M▲ 26.6% | 532.01M▲ 24.0% | 421.6M▼ 20.8% | 541.27M▲ 28.4% | 874.96M▲ 61.6% | 1.11B▲ 0% |
| Pretax Margin % | 24.15% | 20.91% | 23.45% | 26.16% | 34.55% | 33.6% | 18.78% | 20.53% | 19.69% | 24.96% |
| Income Tax | 53.37M | 27.33M | 42.37M | 52.39M | 76.04M | 100.33M | 71.58M | 100.03M | 172.56M | 230.68M |
| Effective Tax Rate % | 22.58% | 12.22% | 14.81% | 15.46% | 17.72% | 18.86% | 16.98% | 18.48% | 19.72% | 20.72% |
| Net Income | 247.1M▲ 0% | 195.51M▼ 20.9% | 243.6M▲ 24.6% | 286.5M▲ 17.6% | 353.02M▲ 23.2% | 431.68M▲ 22.3% | 350.02M▼ 18.9% | 441.24M▲ 26.1% | 702.4M▲ 59.2% | 882.5M▲ 0% |
| Net Margin % | 25.25% | 18.29% | 19.97% | 22.12% | 28.42% | 27.27% | 15.59% | 16.73% | 15.81% | 19.79% |
| Net Income Growth % | 55.61% | -20.88% | 24.6% | 17.61% | 23.22% | 22.28% | -18.92% | 26.06% | 59.19% | 114.03% |
| Net Income (Continuing) | 182.98M | 196.26M | 243.6M | 286.5M | 353.02M | 431.68M | 350.02M | 441.24M | 702.4M | 882.5M |
| EPS (Diluted) | 4.96▲ 0% | 3.93▼ 20.8% | 4.96▲ 26.2% | 5.93▲ 19.6% | 7.24▲ 22.1% | 8.86▲ 22.4% | 7.18▼ 19.0% | 8.99▲ 25.2% | 9.13▲ 1.6% | 11.57▲ 0% |
| EPS Growth % | 54.04% | -20.77% | 26.21% | 19.56% | 22.09% | 22.38% | -18.96% | 25.21% | 1.56% | 41.76% |
| EPS (Basic) | 5.02 | 3.96 | 4.99 | 5.95 | 7.31 | 8.93 | 7.22 | 9.05 | 9.20 | - |
| Diluted Shares Outstanding | 49.84M | 49.77M | 49.09M | 48.34M | 48.74M | 48.75M | 48.76M | 49.06M | 76.48M | 76.31M |
UMBF Balance Sheet
UMB Financial Corporation (UMBF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 8B | 8.24B | 9.15B | 12.84B | 21.23B | 8.69B | 12.68B | 16.33B | 952.55M | 30.44B |
| Cash & Due from Banks | 1.74B | 1.69B | 1.7B | 3.54B | 9.26B | 1.68B | 5.61B | 8.56B | 952.55M | 735.83M |
| Short Term Investments | 6.26B | 6.54B | 7.45B | 9.3B | 11.98B | 7.01B | 7.07B | 7.77B | 0 | 0 |
| Total Investments | 18.74B | 19.86B | 21.97B | 26.28B | 30.44B | 33.71B | 35.82B | 38.79B | 0 | 66.96B |
| Investments Growth % | 3.44% | 5.96% | 10.65% | 19.6% | 15.84% | 10.74% | 6.26% | 8.28% | -100% | -5.06% |
| Long-Term Investments | 12.48B | 13.32B | 14.53B | 16.98B | 18.47B | 26.71B | 28.75B | 31.01B | 0 | 90.72B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 253.94M | 251.66M | 274.17M | 266.1M | 241.69M | 331.79M | 308.8M | 288.16M | 2.33B | 2.3B |
| Goodwill | 180.87M | 180.87M | 180.87M | 180.87M | 174.52M | 207.38M | 207.38M | 207.38M | 1.84B | 1.84B |
| Intangible Assets | 73.08M | 70.79M | 93.3M | 85.23M | 67.17M | 124.41M | 101.42M | 80.78M | 486.87M | 463.41M |
| PP&E (Net) | 223.12M | 228.09M | 234.63M | 228.92M | 218.18M | 217.96M | 211.29M | 204.64M | 398.27M | 391.02M |
| Other Assets | 684.31M | 1.2B | 2.25B | 2.48B | 2.12B | 2.08B | 1.54B | 2.15B | 0 | 0 |
| Total Current Assets | 8.13B | 8.35B | 9.27B | 13.17B | 21.64B | 9.18B | 13.2B | 16.76B | 952.55M | 735.83M |
| Total Non-Current Assets | 13.65B | 15B | 17.29B | 19.96B | 21.05B | 29.33B | 30.82B | 33.65B | 2.72B | 2.69B |
| Total Assets | 21.77B▲ 0% | 23.35B▲ 7.3% | 26.56B▲ 13.7% | 33.13B▲ 24.7% | 42.69B▲ 28.9% | 38.51B▼ 9.8% | 44.01B▲ 14.3% | 50.41B▲ 14.5% | 73.09B▲ 45.0% | 72.67B▲ 0% |
| Asset Growth % | 5.27% | 7.26% | 13.75% | 24.72% | 28.88% | -9.79% | 14.28% | 14.54% | 45% | 162.51% |
| Return on Assets (ROA) | 1.16% | 0.87% | 0.98% | 0.96% | 0.93% | 1.06% | 0.85% | 0.93% | 1.14% | 1.22% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.34B | 1.6B | 1.97B | 2.59B | 3.51B | 2.6B | 3.5B | 3B | 3.8B | 4.03B |
| Net Debt | -404.5M | -91.36M | 268.43M | -955.59M | -5.75B | 923.69M | -2.1B | -5.56B | 2.85B | 3.29B |
| Long-Term Debt | 79.28M | 82.67M | 70.37M | 269.6M | 271.54M | 381.31M | 383.25M | 385.29M | 474.23M | 477.16M |
| Short-Term Debt | 1.26B | 1.52B | 1.9B | 2.32B | 3.24B | 2.22B | 3.12B | 2.61B | 3.32B | 3.55B |
| Other Liabilities | 35.6M | 62.07M | 152.59M | 154.54M | 188.66M | 363.13M | 1.23B | 437.63M | 0 | 60.82B |
| Total Current Liabilities | 19.48B | 20.98B | 23.73B | 29.69B | 39.09B | 35.1B | 39.3B | 46.12B | 64.93B | 3.55B |
| Total Non-Current Liabilities | 114.88M | 144.74M | 222.96M | 424.13M | 460.21M | 744.44M | 1.61B | 822.92M | 474.23M | 61.3B |
| Total Liabilities | 19.59B | 21.12B | 23.95B | 30.11B | 39.55B | 35.85B | 40.91B | 46.94B | 65.4B | 64.85B |
| Total Equity | 2.18B▲ 0% | 2.23B▲ 2.2% | 2.61B▲ 17.0% | 3.02B▲ 15.7% | 3.15B▲ 4.3% | 2.67B▼ 15.2% | 3.1B▲ 16.2% | 3.47B▲ 11.8% | 7.69B▲ 121.9% | 7.83B▲ 0% |
| Equity Growth % | 11.17% | 2.15% | 16.96% | 15.75% | 4.26% | -15.21% | 16.25% | 11.81% | 121.94% | 374.22% |
| Equity / Assets (Capital Ratio) | 10.02% | 9.54% | 9.81% | 9.11% | 7.37% | 6.93% | 7.04% | 6.88% | 10.53% | 10.77% |
| Return on Equity (ROE) | 11.93% | 8.87% | 10.08% | 10.19% | 11.46% | 14.85% | 12.14% | 13.44% | 12.59% | 11.67% |
| Book Value per Share | 43.77 | 44.77 | 53.10 | 62.41 | 64.54 | 54.71 | 63.58 | 70.66 | 100.60 | 102.57 |
| Tangible BV per Share | 38.68 | 39.72 | 47.51 | 56.90 | 59.58 | 47.91 | 57.25 | 64.79 | 70.18 | 72.42 |
| Common Stock | 55.06M | 55.06M | 55.06M | 55.06M | 55.06M | 55.06M | 55.06M | 55.06M | 78.67M | 78.67M |
| Additional Paid-in Capital | 1.05B | 1.05B | 1.07B | 1.09B | 1.11B | 1.13B | 1.13B | 1.15B | 4.01B | 4.01B |
| Retained Earnings | 1.34B | 1.49B | 1.67B | 1.89B | 2.18B | 2.54B | 2.81B | 3.17B | 3.74B | 3.96B |
| Accumulated OCI | -45.52M | -95.78M | 83.18M | 318.34M | 126.31M | -702.74M | -556.93M | -573.05M | -261.52M | -331.35M |
| Treasury Stock | -212.21M | -273.83M | -278M | -338.14M | -323.46M | -347.26M | -342.89M | -336.05M | -165.1M | -179.72M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 294.07M | 294.07M |
UMBF Cash Flow Statement
UMB Financial Corporation (UMBF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 326.53M | 295.7M | 339.93M | 373.6M | 534.08M | 769.55M | 472.6M | 225.29M | 1.03B | 1.03B |
| Operating CF Growth % | 10.15% | -9.44% | 14.96% | 9.9% | 42.96% | 44.09% | -38.59% | -52.33% | 355.73% | 532.28% |
| Net Income | 247.1M | 195.51M | 243.6M | 286.5M | 353.02M | 431.68M | 350.02M | 441.24M | 702.4M | 882.5M |
| Depreciation & Amortization | 54.88M | 53.12M | 56.26M | 62.8M | 55.75M | 54.02M | 58.72M | 52.77M | 141.77M | 144.56M |
| Deferred Taxes | 59.74M | -20.26M | -153K | -4.84M | -12.72M | -6.31M | -20.44M | -16.17M | 82.83M | 87.24M |
| Other Non-Cash Items | -23.72M | 100.17M | 75.44M | 65.45M | 61.83M | 36.67M | 81.44M | 87.13M | -18.2M | -45.51M |
| Working Capital Changes | -24.79M | -43.95M | -50.06M | -51.44M | 55M | 232M | -15.84M | -362.26M | 80.16M | -82.19M |
| Cash from Investing | -478.58M | -1.75B | -2.99B | -4.49B | -4.24B | -3.85B | -1.27B | -3.26B | -5.62B | -7.63B |
| Purchase of Investments | -1.82B | -1.52B | -2.53B | -4.59B | -5.84B | -2.26B | -1.84B | -8.36B | -5.43B | -4.42B |
| Sale/Maturity of Investments | 1.86B | 1.23B | 1.88B | 3.03B | 2.4B | 1.62B | 1.99B | 7.97B | 3.03B | 1.9B |
| Net Investment Activity | 42.72M | -290.08M | -655.46M | -1.56B | -3.45B | -640.92M | 156.15M | -386.46M | -2.41B | -2.52B |
| Acquisitions | 164.56M | -8.91M | -18.5M | 24K | 18.43M | 548.62M | -793K | -109.05M | 169.26M | -5.72M |
| Other Investing | -649.41M | -1.39B | -2.24B | -2.87B | -772.68M | -3.7B | -1.4B | -2.74B | -3.33B | -5.07B |
| Cash from Financing | 804.35M | 1.41B | 2.64B | 5.95B | 9.42B | -4.58B | 4.77B | 5.96B | 3.92B | 2.78B |
| Dividends Paid | -51.88M | -58.28M | -59.44M | -60.28M | -66.75M | -72.03M | -74.25M | -77.13M | -135.62M | -105.5M |
| Share Repurchases | -15.28M | -76.51M | -4.5M | -63.77M | -5.51M | -32M | -8.37M | -7.74M | -132.63M | -2.19M |
| Stock Issued | 0 | 0 | 0 | 5.19M | 0 | 0 | 0 | 0 | 236.45M | 366K |
| Net Stock Activity | -15.28M | -76.51M | -4.5M | -58.58M | -5.51M | -32M | -8.37M | -7.74M | 103.82M | -1.83M |
| Debt Issuance (Net) | 1000K | 0 | 0 | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | 870.02M | 1.54B | 2.7B | 5.45B | 8.57B | -4.59B | 3.05B | 7.84B | 3.97B | 3.19B |
| Net Change in Cash | 652.29M▲ 0% | -42.14M▼ 106.5% | -4.95M▲ 88.3% | 1.83B▲ 37029.8% | 5.72B▲ 212.7% | -7.66B▼ 233.9% | 3.97B▲ 151.9% | 2.92B▼ 26.4% | -676.72M▼ 123.2% | -2.84B▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.06B | 1.72B | 1.67B | 1.67B | 3.5B | 9.21B | 1.56B | 5.53B | 8.45B | 0 |
| Cash at End | 1.72B | 1.67B | 1.67B | 3.5B | 9.21B | 1.56B | 5.53B | 8.45B | 7.77B | 0 |
| Interest Paid | 56.82M | 115.16M | 189.58M | 84.11M | 47.11M | 196.48M | 844.4M | 1.2B | 1.47B | 372.91M |
| Income Taxes Paid | 45.75M | 63.13M | 2.25M | 34.07M | 92.58M | 101.95M | 79.33M | 76.93M | 63.24M | 18.67M |
| Free Cash Flow | 290.08M▲ 0% | 237.76M▼ 18.0% | 267.62M▲ 12.6% | 313.38M▲ 17.1% | 500.39M▲ 59.7% | 717.84M▲ 43.5% | 445.69M▼ 37.9% | 201.08M▼ 54.9% | 978.11M▲ 386.4% | 985.18M▲ 0% |
| FCF Growth % | 18.11% | -18.04% | 12.56% | 17.1% | 59.68% | 43.45% | -37.91% | -54.88% | 386.43% | 96.44% |
UMBF Banking Ratios
UMB Financial Corporation (UMBF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.93% | 8.87% | 10.08% | 10.19% | 11.46% | 14.85% | 12.14% | 13.44% | 12.59% | 11.67% |
| Return on Assets (ROA) | 1.16% | 0.87% | 0.98% | 0.96% | 0.93% | 1.06% | 0.85% | 0.93% | 1.14% | 1.22% |
| Net Interest Margin | 2.57% | 2.61% | 2.53% | 2.21% | 1.91% | 2.37% | 2.09% | 1.99% | 3.52% | 3.73% |
| Efficiency Ratio | 65.73% | 61.1% | 58.12% | 57.8% | 60.14% | 49.87% | 38.45% | 32.78% | 34.15% | 35.75% |
| Equity / Assets | 10.02% | 9.54% | 9.81% | 9.11% | 7.37% | 6.93% | 7.04% | 6.88% | 10.53% | 10.77% |
| Book Value / Share | 43.77 | 44.77 | 53.1 | 62.41 | 64.54 | 54.71 | 63.58 | 70.66 | 100.6 | 102.57 |
| NII Growth | 12.84% | 9.22% | 9.9% | 8.99% | 11.53% | 12.05% | 0.69% | 8.78% | 156.95% | 133.68% |
| Dividend Payout | 20.99% | 29.81% | 24.4% | 21.04% | 18.91% | 16.69% | 21.21% | 17.48% | 19.31% | 11.95% |
UMBF SEC Filings & Documents
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UMBF Frequently Asked Questions
UMB Financial Corporation (UMBF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
UMB Financial Corporation (UMBF) grew revenue by 68.5% over the past year. This is strong growth.
Yes, UMB Financial Corporation (UMBF) is profitable, generating $882.5M in net income for fiscal year 2025 (15.8% net margin).
Dividend & Returns
Yes, UMB Financial Corporation (UMBF) pays a dividend with a yield of 1.35%. This makes it attractive for income-focused investors.
UMB Financial Corporation (UMBF) has a return on equity (ROE) of 12.6%. This is reasonable for most industries.
Industry Metrics
UMB Financial Corporation (UMBF) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
UMB Financial Corporation (UMBF) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.
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