UMB Financial Corporation (UMBF) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
12.10
↑+54% vs avg
5yr avg: 7.87
30Y Low4.1·High27.6
P/FCF
↓
10.20
↓-17% vs avg
5yr avg: 12.34
30Y Low5.7·High36.3
P/B Ratio
↓
1.30
-10% 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 14.4x earnings, 18% above its 5-year average of 12.2x, sitting at the 30th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 8%. On a free-cash-flow basis, the stock trades at 10.2x P/FCF, 17% 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 | $10.0B | $8.8B | $5.5B | $4.1B | $4.1B | $5.2B | $3.3B | $3.4B | $3.0B | $3.6B | $3.8B |
| Enterprise Value | $12.8B | $11.6B | $-27864980 | $2.0B | $5.0B | $-574158820 | $2.4B | $3.6B | $2.9B | $3.2B | $4.6B |
| P/E Ratio → | 14.35 | 12.60 | 12.55 | 11.64 | 9.43 | 14.66 | 11.63 | 13.84 | 15.51 | 14.50 | 23.95 |
| P/S Ratio | 2.25 | 1.98 | 2.10 | 1.82 | 2.57 | 4.16 | 2.57 | 2.76 | 2.84 | 3.66 | 4.37 |
| P/B Ratio | 1.30 | 1.14 | 1.60 | 1.31 | 1.53 | 1.64 | 1.11 | 1.29 | 1.36 | 1.64 | 1.94 |
| P/FCF | 10.20 | 8.99 | 27.53 | 9.14 | 5.67 | 10.34 | 10.64 | 12.59 | 12.76 | 12.36 | 15.47 |
| P/OCF | 9.72 | 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 12.1x EBITDA, 54% above its 5-year average of 7.9x. The Financial Services sector median is 11.4x, placing the stock at a 6% 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 | 12.10 | 10.98 | -0.05 | 4.10 | 8.52 | -1.18 | 5.92 | 10.63 | 10.63 | 10.92 | 18.16 |
| EV / EBIT | 14.25 | 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 5.7%.
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 (13% below the sector average of 4.1x). 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 2.7% to shareholders annually — split between a 1.4% 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 7.0% (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 | 1.4% | 1.5% | 1.4% | 1.8% | 1.8% | 1.3% | 1.8% | 1.8% | 1.9% | 1.4% | 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 | 7.0% | 7.9% | 8.0% | 8.6% | 10.6% | 6.8% | 8.6% | 7.2% | 6.4% | 6.9% | 4.2% |
| FCF Yield | 9.8% | 11.1% | 3.6% | 10.9% | 17.6% | 9.7% | 9.4% | 7.9% | 7.8% | 8.1% | 6.5% |
| Buyback Yield | 1.3% | 1.5% | 0.1% | 0.2% | 0.8% | 0.1% | 1.9% | 0.1% | 2.5% | 0.4% | 0.4% |
| Total Shareholder Yield | 2.7% | 3.0% | 1.5% | 2.0% | 2.6% | 1.4% | 3.7% | 1.9% | 4.4% | 1.9% | 1.7% |
| 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 | 14.4 | 12.1 | 10.2 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 WTFC | $10B | 13.0 | 11.7 | 11.1 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 CBSH | $8B | 12.8 | 12.8 | 12.9 | 80.0% | 34.2% | 15.8% | 8.4% | 3.9 |
 BOKF | $10B | 16.6 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 20.7 | 14.1 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 HBAN | $26B | 11.8 | 15.9 | 11.4 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 FHN | $12B | 13.2 | 11.7 | 19.1 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
 NTRS | $30B | 18.5 | -4.6 | 5.5 | 56.5% | 16.3% | 13.5% | 6.0% | 5.1 |
 STT | $42B | 18.1 | -9.3 | — | 58.5% | 15.5% | 10.9% | 4.6% | 9.2 |
 SNV | $7B | 16.5 | 8.8 | 9.1 | 53.8% | 17.7% | 9.3% | 6.6% | 2.8 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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 WTFC
Side-by-side business, growth, and profitability comparison vs Wintrust Financial Corporation.
Start ComparisonUMBF — 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 14.4x. The historical average is 20.6x. This places it at the 30th percentile of its historical range.
What is UMB Financial Corporation's EV/EBITDA?
UMB Financial Corporation's current EV/EBITDA is 12.1x. 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 14.4x. This is at the 30th 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 1.35% 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.