Trailing Dividend / Share
$1.77
UMB Financial Corporation (UMBF) Dividend History
Income profile from 1984 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.4%
Payout Ratio
19.3%
Sustainable
Dividend Streak
23 years
UMBF Dividend Income Check
Safety
19.3% payout ratio with sustainable safety profile.
Consistency
23 straight years of dividend increases.
Income Trend
Yield on cost is 2.4% and trend is rising.
UMBF Dividend Scorecard
Yield & Income
Dividend Yield1.4%
Trailing DPS$1.77
FrequencySemi-Annual
Payments / 12M5
Payout Safety
Earnings Payout19.3%
Earnings SafetySustainable
FCF Payout13.7%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak23 years
3Y CAGR3.0%
5Y CAGR5.5%
Yield on Cost (5Y)2.4%
YOC Trendrising
Total Returns
Buyback Yield1.3%
Total Shareholder Yield2.7%
1Y Total Return31.4%
5Y Total Return42.6%
Div Contribution (5Y)7.9%
Estimated $10K growth (return + dividends):
5Y ago$14,26410Y ago$26,86520Y ago$44,379
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
UMBF Income Growth Story
Dividend per share and yield on cost over time (43 years of payments)
UMBF Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
UMB Financial Corporation distributes 19.3% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 13.7%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
UMBF has raised its dividend for 23 consecutive years, with a 3-year CAGR of 3.0% and 5-year CAGR of 5.5%.
Total Shareholder Returns
Beyond cash dividends, UMBF returns capital through share repurchases. The combined picture: 1.4% dividend yield, 1.3% buyback yield, 2.7% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 2.4% and is currently rising. The 5-year total return is 42.6%, with dividends contributing 7.9% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $26,865 today.
UMBF Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$7.82
Avg/Payment$0.3910
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 10, 2026Latest | $0.4300 | — | 1.31% | Jul 1, 2026 |
| Mar 10, 2026 | $0.4300 | — | 1.47% | Apr 1, 2026 |
| Dec 10, 2025 | $0.4300 | ↑ +7.5% | 1.38% | Jan 2, 2026 |
| Sep 10, 2025 | $0.4000 | — | 1.31% | Oct 1, 2025 |
| Jun 10, 2025 | $0.4000 | — | 1.50% | Jul 1, 2025 |
| Mar 10, 2025 | $0.4000 | — | 1.60% | Apr 1, 2025 |
| Dec 10, 2024 | $0.4000 | ↑ +2.6% | 1.26% | Jan 2, 2025 |
| Sep 10, 2024 | $0.3900 | — | 1.54% | Oct 1, 2024 |
UMBF Dividend vs Peers
Comparable companies in the same industry
#8 yield in peer group
Div Yield
1.4%
#8 of 8
Safety
Sustainable
19.3% payout
Streak
23Y
5.5% 5Y CAGR
Total Shareholder
2.7%
#6 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| UMBFUMB Financial Corpor… | $10.0B | 1.4% | 19.3% | 23 | Sustainable |
 CBSHCommerce Bancshares,… | $7.7B | 2.1% | 26.5% | 12 | Sustainable |
 BOKFBOK Financial Corpor… | $10.4B | 1.7% | 27.3% | 11 | Sustainable |
2nd  IBCPIndependent Bank Cor… | $690M | 3.1% | 31.5% | 11 | Sustainable |
 FFINFirst Financial Bank… | $4.6B | 2.2% | 46.0% | 11 | Sustainable |
1st  HBANHuntington Bancshare… | $26.0B | 3.7% | 41.1% | 0 | Sustainable |
3rd  FHNFirst Horizon Corpor… | $12.0B | 2.6% | — | 3 | Unknown |
 NTRSNorthern Trust Corpo… | $29.9B | 1.9% | 34.1% | 1 | Sustainable |
UMBF Annual Dividend History (1984–2026)
43 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.86 | — | 2 | — | — | — | 1.3% |
| 2025 | $1.63 | 3.8% | 4 | $9.13 | 17.9% | 5.60x | 2.4% |
| 2024 | $1.57 | 2.6% | 4 | $8.99 | 17.5% | 5.73x | 2.3% |
| 2023 | $1.53 | 2.7% | 4 | $7.18 | 21.3% | 4.69x | 2.2% |
| 2022 | $1.49 | 8.0% | 4 | $8.86 | 16.8% | 5.95x | 2.2% |
| 2021 | $1.38 | 10.4% | 4 | $7.24 | 19.1% | 5.25x | 2.0% |
| 2020 | $1.25 | 3.3% | 4 | $5.93 | 21.1% | 4.74x | 1.8% |
| 2019 | $1.21 | 3.4% | 4 | $4.96 | 24.4% | 4.10x | 1.8% |
| 2018 | $1.17 | 12.5% | 4 | $3.93 | 29.8% | 3.36x | 1.7% |
| 2017 | $1.04 | 5.1% | 4 | $4.96 | 21.0% | 4.77x | 1.5% |
Full UMBF Stock Analysis
Analyst consensus, bull case, AI-generated risk factors, and peer comparison — all in one place.
See UMBF's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs UMBF Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare UMBF vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonUMBF — Frequently Asked Questions
Quick answers to the most common questions about buying UMBF stock.
How much dividend does UMBF pay per share?
UMB Financial Corporation (UMBF) pays a trailing 12-month dividend of $1.77 per share, with a current dividend yield of +1.4%. Payments are made Semi-Annual.
When is UMBF's next ex-dividend date?
UMBF's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. UMBF typically pays dividends Semi-Annual.
Is UMBF's dividend safe?
UMBF's dividend safety is rated "Sustainable" based on an earnings payout ratio of +19.3% and FCF payout ratio of +13.7%. With 23 consecutive years of dividend growth, the track record supports sustainability.
Is UMBF a Dividend Achiever?
Yes, UMB Financial Corporation is classified as a Dividend Achiever with 23 consecutive years of dividend increases. The 5-year dividend CAGR is +5.5%, demonstrating above-inflation dividend growth.
How often does UMBF pay dividends?
UMB Financial Corporation pays dividends Semi-Annual. The trailing 12-month total is $1.77 per share. Dividend data on this page covers 42+ years from 1984 to 2026.
How much would $10,000 invested in UMBF grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in UMBF five years ago would be worth approximately $14,264 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is UMBF's yield on cost for long-term holders?
UMBF's yield on cost — the current dividend divided by the original purchase price — is +2.4% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.4% market yield, thanks to consistent dividend growth.