UMB Financial Corporation (UMBF) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
12.24
↑+56% vs avg
5yr avg: 7.87
30Y Low4.1·High27.6
P/FCF
↓
10.36
↓-16% vs avg
5yr avg: 12.34
30Y Low5.7·High36.3
P/B Ratio
↓
1.32
-8% vs avg
5yr avg: 1.45
30Y Low1.1·High2.1
ROE
↑
12.6%
-2% vs avg
5yr avg: 12.9%
30Y Low5%·High15%
Debt/EBITDA
↓
3.58
↓-35% vs avg
5yr avg: 5.52
30Y Low3.6·High18.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UMBF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
UMB Financial Corporation trades at 14.6x earnings, 20% above its 5-year average of 12.2x, sitting at the 37th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 7%. On a free-cash-flow basis, the stock trades at 10.4x P/FCF, 16% below the 5-year average of 12.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $10.1B | $8.8B | $5.5B | $4.1B | $4.1B | $5.2B | $3.3B | $3.4B | $3.0B | $3.6B | $3.8B |
| Enterprise Value | $13.0B | $11.6B | $-27864980 | $2.0B | $5.0B | $-574158820 | $2.4B | $3.6B | $2.9B | $3.2B | $4.6B |
| P/E Ratio → | 14.57 | 12.60 | 12.55 | 11.64 | 9.43 | 14.66 | 11.63 | 13.84 | 15.51 | 14.50 | 23.95 |
| P/S Ratio | 2.28 | 1.98 | 2.10 | 1.82 | 2.57 | 4.16 | 2.57 | 2.76 | 2.84 | 3.66 | 4.37 |
| P/B Ratio | 1.32 | 1.14 | 1.60 | 1.31 | 1.53 | 1.64 | 1.11 | 1.29 | 1.36 | 1.64 | 1.94 |
| P/FCF | 10.36 | 8.99 | 27.53 | 9.14 | 5.67 | 10.34 | 10.64 | 12.59 | 12.76 | 12.36 | 15.47 |
| P/OCF | 9.87 | 8.57 | 24.58 | 8.62 | 5.29 | 9.68 | 8.93 | 9.91 | 10.26 | 10.98 | 12.82 |
P/E links to full P/E history page with 30-year chart
UMBF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
UMB Financial Corporation's enterprise value stands at 12.2x EBITDA, 56% above its 5-year average of 7.9x. The Financial Services sector median is 11.4x, placing the stock at a 7% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.62 | -0.01 | 0.88 | 3.16 | -0.46 | 1.84 | 2.98 | 2.75 | 3.25 | 5.29 |
| EV / EBITDA | 12.24 | 10.98 | -0.05 | 4.10 | 8.52 | -1.18 | 5.92 | 10.63 | 10.63 | 10.92 | 18.16 |
| EV / EBIT | 14.42 | 12.94 | -0.05 | 4.67 | 9.39 | -1.34 | 7.02 | 12.72 | 13.16 | 13.45 | 23.14 |
| EV / FCF | — | 11.90 | -0.14 | 4.42 | 6.96 | -1.15 | 7.59 | 13.59 | 12.38 | 10.96 | 18.71 |
UMBF Profitability
Margins and return-on-capital ratios measuring operating efficiency
UMB Financial Corporation earns an operating margin of 20.3%, roughly in line with the Financial Services sector average. Operating margins have expanded from 18.8% to 20.3% over the past 3 years, signaling improving operational efficiency. ROE of 12.6% is modest. ROIC of 7.5% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.4% | 54.4% | 53.3% | 57.2% | 83.5% | 94.7% | 84.0% | 81.6% | 82.0% | 89.9% | 93.1% |
| Operating Margin | 20.3% | 20.3% | 20.5% | 18.8% | 33.6% | 34.5% | 26.2% | 23.4% | 20.9% | 24.1% | 22.9% |
| Net Profit Margin | 15.8% | 15.8% | 16.7% | 15.6% | 27.3% | 28.4% | 22.1% | 20.0% | 18.3% | 25.2% | 18.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.6% | 12.6% | 13.4% | 12.1% | 14.9% | 11.5% | 10.2% | 10.1% | 8.9% | 11.9% | 8.2% |
| ROA | 1.1% | 1.1% | 0.9% | 0.8% | 1.1% | 0.9% | 1.0% | 1.0% | 0.9% | 1.2% | 0.8% |
| ROIC | 7.5% | 7.5% | 6.2% | 5.3% | 6.7% | 5.3% | 5.0% | 5.1% | 4.6% | 4.8% | 3.9% |
| ROCE | 14.4% | 14.4% | 12.0% | 10.4% | 15.2% | 12.2% | 10.8% | 11.0% | 9.6% | 10.8% | 9.7% |
UMBF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
UMB Financial Corporation carries a Debt/EBITDA ratio of 3.6x, which is moderately leveraged (16% below the sector average of 4.3x). Net debt stands at $2.8B ($3.8B total debt minus $953M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.49 | 0.86 | 1.13 | 0.98 | 1.12 | 0.86 | 0.75 | 0.72 | 0.61 | 0.99 |
| Debt / EBITDA | 3.58 | 3.58 | 5.04 | 7.29 | 4.44 | 7.24 | 6.44 | 5.75 | 5.79 | 4.60 | 7.64 |
| Net Debt / Equity | — | 0.37 | -1.61 | -0.68 | 0.35 | -1.83 | -0.32 | 0.10 | -0.04 | -0.19 | 0.41 |
| Net Debt / EBITDA | 2.69 | 2.69 | -9.37 | -4.38 | 1.58 | -11.85 | -2.38 | 0.78 | -0.33 | -1.39 | 3.14 |
| Debt / FCF | — | 2.91 | -27.67 | -4.72 | 1.29 | -11.48 | -3.05 | 1.00 | -0.38 | -1.39 | 3.24 |
| Interest Coverage | 0.60 | 0.60 | 0.46 | 0.46 | 2.38 | 9.33 | 4.39 | 1.49 | 1.84 | 4.08 | 7.17 |
UMBF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.01x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.34x to 0.01x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.01 | 0.01 | 0.36 | 0.34 | 0.26 | 0.55 | 0.44 | 0.39 | 0.40 | 0.42 | 0.42 |
| Quick Ratio | 0.01 | 0.01 | 0.36 | 0.34 | 0.26 | 0.55 | 0.44 | 0.39 | 0.40 | 0.42 | 0.42 |
| Cash Ratio | 0.01 | 0.01 | 0.19 | 0.14 | 0.05 | 0.24 | 0.12 | 0.07 | 0.08 | 0.09 | 0.06 |
| Asset Turnover | — | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
UMBF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
UMB Financial Corporation returns 2.6% to shareholders annually — split between a 1.3% dividend yield and 1.3% buyback yield. The payout ratio of 19.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 19.3% | 19.3% | 17.5% | 21.2% | 16.7% | 18.9% | 21.0% | 24.4% | 29.8% | 21.0% | 30.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.9% | 7.9% | 8.0% | 8.6% | 10.6% | 6.8% | 8.6% | 7.2% | 6.4% | 6.9% | 4.2% |
| FCF Yield | 9.7% | 11.1% | 3.6% | 10.9% | 17.6% | 9.7% | 9.4% | 7.9% | 7.8% | 8.1% | 6.5% |
| Buyback Yield | 1.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.6% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $76M | $49M | $49M | $49M | $49M | $48M | $49M | $50M | $50M | $49M |
Peer Comparison
Compare UMBF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UMBFYou | $10B | 14.6 | 12.2 | 10.4 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 WTFC | $10B | 13.3 | 11.9 | 12.1 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 CBSH | $8B | 13.4 | 13.3 | 13.6 | 80.0% | 34.2% | 15.8% | 8.4% | 3.9 |
 BOKF | $8B | 14.2 | 13.7 | 13.8 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 HBAN | $27B | 12.1 | 16.1 | 11.7 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 FHN | $12B | 13.2 | 11.9 | 12.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
 NTRS | $32B | 19.7 | -4.0 | 5.8 | 56.5% | 16.3% | 13.5% | 6.0% | 5.1 |
 STT | $49B | 17.9 | -12.3 | 11.3 | 61.4% | 16.5% | 11.1% | 4.7% | 7.0 |
 SNV | $7B | 16.5 | 8.8 | 9.1 | 53.8% | 17.7% | 9.3% | 6.6% | 2.8 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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UMBF — Frequently Asked Questions
Quick answers to the most common questions about buying UMBF stock.
What is UMB Financial Corporation's P/E ratio?
UMB Financial Corporation's current P/E ratio is 14.6x. The historical average is 20.6x. This places it at the 37th percentile of its historical range.
What is UMB Financial Corporation's EV/EBITDA?
UMB Financial Corporation's current EV/EBITDA is 12.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.2x.
What is UMB Financial Corporation's ROE?
UMB Financial Corporation's return on equity (ROE) is 12.6%. The historical average is 9.5%.
Is UMBF stock overvalued?
Based on historical data, UMB Financial Corporation is trading at a P/E of 14.6x. This is at the 37th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is UMB Financial Corporation's dividend yield?
UMB Financial Corporation's current dividend yield is 1.33% with a payout ratio of 19.3%.
What are UMB Financial Corporation's profit margins?
UMB Financial Corporation has 54.4% gross margin and 20.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does UMB Financial Corporation have?
UMB Financial Corporation's Debt/EBITDA ratio is 3.6x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.