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UMB Financial Corporation (UMBF) Total Return Calculator with Dividends Reinvested

UMB Financial Corporation

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The total return for UMB Financial Corporation (UMBF) stock is +31.41% over the past 12 months. So far it's up 12.89% this year. The 5-year total return is +42.64%, meaning $10,000 invested in UMBF stock 5 years ago would be worth $14,264 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in UMBF 1 year ago, it would be worth $13,285 today — you'd have gained $3,285 with dividends reinvested.

With Dividends Reinvested$13,285+32.85%

Price Only (No DRIP)$13,094+30.94%

Dividend Boost+$1914 payments · +1.91% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in UMBF

1Y$13,141+$3,141 (+31.4%)31.4% CAGR

3Y$23,469+$13,469 (+134.7%)32.9% CAGR

5Y$14,264+$4,264 (+42.6%)7.4% CAGR

10Y$26,865+$16,865 (+168.6%)10.4% CAGR

15Y$35,829+$25,829 (+258.3%)8.9% CAGR

20Y$44,379+$34,379 (+343.8%)7.7% CAGR

30Y$105,319+$95,319 (+953.2%)8.2% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-10	$0.40	$106.09	+0.003770
2025-09-10	$0.40	$121.99	+0.003291
2025-12-10	$0.43	$118.43	+0.003656
2026-03-10	$0.43	$112.70	+0.003856

Loading UMBF total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+12.89%	—	+12.52%	+0.37 pp	$11,289
1Y	+31.41%	31.41%	+29.76%	+1.64 pp	$13,141
3Y	+134.69%	32.89%	+126.43%	+8.26 pp	$23,469
5Y	+42.64%	7.36%	+34.71%	+7.92 pp	$14,264
10Y	+168.65%	10.39%	+143.65%	+25.00 pp	$26,865
15Y	+258.29%	8.88%	+215.35%	+42.94 pp	$35,829
20Y	+343.79%	7.74%	+282.21%	+61.58 pp	$44,379
30Y	+953.19%	8.16%	+784.33%	+168.86 pp	$105,319

Risk & Highlights

Best Year+72.09%2016

Worst Year-20.87%2022

Max Drawdown-18.88%2026-02-06 → 2026-03-27

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-0.15%	-0.52%	+0.4pp	+0.41%	-0.6pp
2025	+4.37%	+2.91%	+1.5pp	+16.64%	-12.3pp
2024	+36.40%	+34.53%	+1.9pp	+24.00%	+12.4pp
2023	+3.05%	+1.20%	+1.9pp	+24.81%	-21.8pp
2022	-20.87%	-22.26%	+1.4pp	-19.95%	-0.9pp

UMBF outperformed the S&P 500 by 2.97pp over the past year (+31.41% vs +28.44%).

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UMBF Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
UMBFUMB Financial Corporation	$10.0B	+13.9%	+12.9%	+31.4%	+1.6pp	+134.7%	+42.6%	+168.6%
WTFCWintrust Financial Corporation	$10.1B	+7.2%	+5.8%	+32.4%	+1.8pp	+138.3%	+101.8%	+226.3%
CBSHCommerce Bancshares, Inc.	$7.7B	+4.3%	+0.3%	-15.1%	+1.7pp	+18.0%	-13.3%	+104.6%
BOKFBOK Financial Corporation	$10.4B	+3.7%	+14.1%	+44.3%	+2.5pp	+75.4%	+62.8%	+171.3%
IBCPIndependent Bank Corporation	$690M	-0.8%	+5.9%	+11.2%	+4.3pp	+123.9%	+63.4%	+181.9%
FFINFirst Financial Bankshares, Inc.	$4.6B	+6.0%	+8.0%	-4.2%	+2.2pp	+23.6%	-29.6%	+145.2%
HBANHuntington Bancshares Incorporated	$26.0B	+2.9%	-5.2%	+13.4%	+4.1pp	+85.5%	+25.4%	+121.9%
FHNFirst Horizon Corporation	$12.0B	+6.4%	+3.4%	+34.8%	+3.3pp	+143.1%	+48.6%	+121.4%
NTRSNorthern Trust Corporation	$29.9B	+12.8%	+16.6%	+69.5%	+3.2pp	+133.8%	+50.3%	+171.4%
STTState Street Corporation	$42.0B	+14.2%	+16.5%	+67.8%	+3.6pp	+130.1%	+88.3%	+186.9%
SNVSynovus Financial Corp.	$6.9B	—	+0.0%	+13.2%	+2.6pp	+93.4%	+17.7%	+107.6%

Compare:UMBF vs WTFC UMBF vs CBSH UMBF vs BOKF UMBF vs WTFC vs CBSH

About UMBF Dividend Returns

UMB Financial Corporation (UMBF) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of UMBF over the past year?

UMB Financial Corporation (UMBF) delivered a total return of 31.41% over the past year when dividends are reinvested. The price-only return was 29.76%, meaning dividends contributed an additional 1.64 percentage points to total returns.

Q2How much would $10,000 invested in UMBF be worth today?

A $10,000 investment in UMB Financial Corporation one year ago would be worth $13,141 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $12,976. Dividend reinvestment added $164 to the portfolio value.

Q3Does UMBF pay dividends?

Yes, UMB Financial Corporation (UMBF) pays dividends. In the last year, UMBF paid approximately $1.77 per share in dividends (1.35% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did UMBF beat the S&P 500?

Yes, UMB Financial Corporation (UMBF) outperformed the S&P 500 by 2.97 percentage points over the past year. UMBF delivered a total return of 31.41%, compared to the S&P 500's 28.44%. This 2.97pp alpha means investors in UMBF earned more than a passive S&P 500 index fund.

Q5What is UMBF's worst drawdown?

UMB Financial Corporation (UMBF) experienced a maximum drawdown of -18.88% over the past year, declining from its peak on 2026-02-06 to its trough on 2026-03-27. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is UMBF's long-term total return over 10, 20, or 30 years?

Here are UMB Financial Corporation (UMBF)'s long-term returns with dividends reinvested. Over 10 years, the total return is 168.6% (10.4% CAGR) — $10,000 would have grown to $26,865. Over 20 years: 343.8% total return (7.7% CAGR) — $10,000 → $44,379. Over 30 years: 953.2% total return (8.2% CAGR) — $10,000 → $105,319. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was UMBF's best and worst year?

UMB Financial Corporation's best calendar year was 2016 with a total return of 72.1%. Its worst year was 2022 with a total return of -20.9%. This range shows the volatility investors should expect — the difference between the best and worst year is 93.0 percentage points.