UMBF
UMB Financial Corporation
Price Chart
Latest Quote
$132.57
-2.75 (-2.03%)
Current Price
| Previous Close | $135.32 |
| Open | $134.47 |
| Day High | $136.47 |
| Day Low | $131.21 |
| Volume | 524,742 |
Stock Information
| Shares Outstanding | 75.98M |
| Total Debt | $4.17B |
| Cash Equivalents | $2.68B |
| Revenue | $2.73B |
| Net Income | $860.92M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $10.07B |
| P/E Ratio | 11.60 |
| EPS (TTM) | $11.43 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $12.07B |
| Sales | $2.73B |
| Income | $860.92M |
| Book/sh | $97.41 |
| Cash/sh | $35.29 |
| Employees | 5K |
Financial Ratios
| EPS Growth TTM | 221.40% |
Returns & Margins
| ROA | 1.24% |
| ROE | 12.11% |
| Operating Margin | 50.97% |
| Profit Margin | 32.30% |
Ownership
| Insider Ownership | 5.31% |
| Institutional Ownership | 94.77% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.68 |
| PEG | 2.54 |
| P/S | 3.69 |
| P/B | 1.36 |
Analyst Data
| Recommendation | buy |
| Target Price | $147.08 |
Technical Indicators
| SMA20 | $131.01 |
| SMA50 | $127.33 |
| SMA200 | $119.07 |
| RSI | 53.66 |
| ATR | 3.9217 |
| Shares Float | 72.26M |
| Short Float | 5.44% |
| Short Ratio | 4.61 |
| Volatility | 0.80 |
| Rel Volume | 0.86 |
Performance History
| Week | +0.46% |
| Month | +4.88% |
| Quarter | +21.95% |
| 6 Months | +12.09% |
| YTD | +14.62% |
| Year | +33.48% |
| 3 Years | +118.21% |
| 5 Years | +55.27% |
| 10 Years | +184.42% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $132.57 | 524,742 |
| 2026-06-16 | $135.32 | 447,700 |
| 2026-06-15 | $134.23 | 480,200 |
| 2026-06-12 | $135.37 | 539,100 |
| 2026-06-11 | $132.51 | 676,000 |
| 2026-06-10 | $131.96 | 547,700 |
| 2026-06-09 | $131.39 | 889,300 |
| 2026-06-08 | $128.68 | 711,600 |
| 2026-06-05 | $129.50 | 618,300 |
| 2026-06-04 | $128.28 | 699,100 |
| 2026-06-03 | $125.94 | 517,600 |
| 2026-06-02 | $128.77 | 540,000 |
| 2026-06-01 | $127.73 | 349,800 |
| 2026-05-29 | $130.83 | 754,900 |
| 2026-05-28 | $130.88 | 465,200 |
| 2026-05-27 | $131.33 | 589,700 |
| 2026-05-26 | $133.95 | 673,400 |
| 2026-05-22 | $130.78 | 666,500 |
| 2026-05-21 | $130.52 | 569,600 |
| 2026-05-20 | $129.76 | 874,800 |
| 2026-05-19 | $125.46 | 477,400 |
| 2026-05-18 | $126.41 | 566,100 |
About UMB Financial Corporation
UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, 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 banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, 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, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
đ° Latest News
UMB Financial (UMBF) is a Great Momentum Stock: Should You Buy?
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UMB Financial Corporation (UMBF) Hit a 52 Week High, Can the Run Continue?
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Why The Narrative Around UMB Financial (UMBF) Is Evolving Without Fresh Analyst Commentary
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UMB (UMBF) Up 6.1% Since Last Earnings Report: Can It Continue?
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Zacks.com featured highlights include MKS, UMB Financial and Clean Harbors
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Assessing UMB Financial (UMBF) Valuation After Recent Share Price Strength And Heartland Integration Prospects
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Zacks.com featured highlights include Healthcare Services, Electromed, UMB Financial, Shell and MACOM Technology Solutions
Zacks âĸ 2026-05-18T12:23:00Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $2,429,906,000 | $1,466,845,000 | $1,325,901,000 | $1,359,436,000 |
| Operating Revenue | $2,429,906,000 | $1,466,845,000 | $1,325,901,000 | $1,359,436,000 |
| Expenses | ||||
| Interest Expense | $1,492,075,000 | $1,170,117,000 | $918,589,000 | $223,723,000 |
| Selling And Marketing Expense | $45,682,000 | $28,439,000 | $25,749,000 | $25,699,000 |
| General And Administrative Expense | $883,883,000 | $593,913,000 | $553,421,000 | $524,431,000 |
| Professional Expense And Contract Services Expense | $92,304,000 | $46,207,000 | $29,998,000 | $39,095,000 |
| Other Non Interest Expense | $146,424,000 | $77,313,000 | $128,097,000 | $72,156,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $702,398,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Net Interest Income | $1,862,205,000 | $1,000,892,000 | $920,116,000 | $913,797,000 |
| Interest Income | $3,354,280,000 | $2,171,009,000 | $1,838,705,000 | $1,137,520,000 |
| Normalized Income | $702,398,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Net Income From Continuing And Discontinued Operation | $702,398,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Net Income Common Stockholders | $684,617,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Net Income | $702,398,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Net Income Including Noncontrolling Interests | $702,398,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Net Income Continuous Operations | $702,398,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Pretax Income | $874,955,000 | $541,273,000 | $421,602,000 | $532,011,000 |
| Depreciation Amortization Depletion Income Statement | $93,521,000 | $7,705,000 | $8,587,000 | $5,037,000 |
| Depreciation And Amortization In Income Statement | $93,521,000 | $7,705,000 | $8,587,000 | $5,037,000 |
| Amortization Of Intangibles Income Statement | $93,521,000 | $7,705,000 | $8,587,000 | $5,037,000 |
| Per Share | ||||
| Diluted EPS | $9.29 | $8.99 | $7.18 | $8.86 |
| Basic EPS | $9.35 | $9.05 | $7.22 | $8.93 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $141,770,000 | $52,771,000 | $58,723,000 | $54,022,000 |
| Diluted Average Shares | $73,670,643 | $49,056,956 | $48,763,820 | $48,747,399 |
| Basic Average Shares | $73,259,082 | $48,747,814 | $48,503,643 | $48,340,922 |
| Diluted NI Availto Com Stockholders | $684,617,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Preferred Stock Dividends | $17,781,000 | - | - | - |
| Tax Provision | $172,557,000 | $100,030,000 | $71,578,000 | $100,329,000 |
| Gain On Sale Of Security | $30,967,000 | $10,720,000 | $-3,139,000 | $58,444,000 |
| Amortization | $93,521,000 | $7,705,000 | $8,587,000 | $5,037,000 |
| Selling General And Administration | $929,565,000 | $622,352,000 | $579,170,000 | $550,130,000 |
| Salaries And Wages | $883,883,000 | $593,913,000 | $553,421,000 | $524,431,000 |
| Occupancy And Equipment | $138,637,000 | $110,945,000 | $117,220,000 | $123,107,000 |
| Other Gand A | - | - | - | $28,968,000 |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $5,356,482,000 | $3,178,378,000 | $2,791,615,000 | $2,335,299,000 |
| Total Assets | $73,094,090,000 | $50,409,664,000 | $44,011,674,000 | $38,512,461,000 |
| Goodwill And Other Intangible Assets | $2,337,086,000 | $288,163,000 | $308,804,000 | $331,794,000 |
| Other Intangible Assets | $497,261,000 | $80,778,000 | $101,419,000 | $124,409,000 |
| Receivables | $586,312,000 | $333,759,000 | $519,662,000 | $492,814,000 |
| Other Receivables | $586,312,000 | $333,759,000 | $519,662,000 | $492,814,000 |
| Cash And Cash Equivalents | $7,893,082,000 | $8,559,445,000 | $5,607,003,000 | $1,679,787,000 |
| Cash Financial | $952,547,000 | $573,175,000 | $447,201,000 | $500,682,000 |
| Cash Cash Equivalents And Federal Funds Sold | $9,441,175,000 | $9,104,445,000 | $5,852,347,000 | $2,638,384,000 |
| Debt | ||||
| Total Debt | $254,195,000 | $308,510,000 | $1,383,247,000 | $381,311,000 |
| Long Term Debt And Capital Lease Obligation | $254,195,000 | $308,510,000 | $383,247,000 | $381,311,000 |
| Long Term Debt | $254,195,000 | $308,510,000 | $383,247,000 | $381,311,000 |
| Current Debt And Capital Lease Obligation | - | $0 | $1,000,000,000 | $0 |
| Current Debt | - | $0 | $1,000,000,000 | $0 |
| Other Current Borrowings | - | $0 | $1,000,000,000 | $0 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $65,400,522,000 | $46,943,123,000 | $40,911,255,000 | $35,845,368,000 |
| Payables And Accrued Expenses | $435,351,000 | $368,457,000 | $389,860,000 | $239,624,000 |
| Equity | ||||
| Common Stock Equity | $7,399,502,000 | $3,466,541,000 | $3,100,419,000 | $2,667,093,000 |
| Preferred Stock Equity | $294,066,000 | - | - | - |
| Total Equity Gross Minority Interest | $7,693,568,000 | $3,466,541,000 | $3,100,419,000 | $2,667,093,000 |
| Stockholders Equity | $7,693,568,000 | $3,466,541,000 | $3,100,419,000 | $2,667,093,000 |
| Gains Losses Not Affecting Retained Earnings | $-261,520,000 | $-573,050,000 | $-556,935,000 | $-702,735,000 |
| Other Equity Adjustments | $-261,520,000 | $-573,050,000 | $-556,935,000 | $-702,735,000 |
| Retained Earnings | $3,736,413,000 | $3,174,948,000 | $2,810,824,000 | $2,536,086,000 |
| Preferred Securities Outside Stock Equity | $220,034,000 | $76,782,000 | - | - |
| Other | ||||
| Treasury Shares Number | $2,705,134 | $6,242,553 | $6,502,603 | $6,737,326 |
| Ordinary Shares Number | $75,960,675 | $48,814,177 | $48,554,127 | $48,319,404 |
| Share Issued | $78,665,809 | $55,056,730 | $55,056,730 | $55,056,730 |
| Tangible Book Value | $5,062,416,000 | $3,178,378,000 | $2,791,615,000 | $2,335,299,000 |
| Invested Capital | $7,653,697,000 | $3,775,051,000 | $4,483,666,000 | $3,048,404,000 |
| Total Capitalization | $7,947,763,000 | $3,775,051,000 | $3,483,666,000 | $3,048,404,000 |
| Treasury Stock | $165,104,000 | $336,052,000 | $342,890,000 | $347,264,000 |
| Additional Paid In Capital | $4,011,047,000 | $1,145,638,000 | $1,134,363,000 | $1,125,949,000 |
| Capital Stock | $372,732,000 | $55,057,000 | $55,057,000 | $55,057,000 |
| Common Stock | $78,666,000 | $55,057,000 | $55,057,000 | $55,057,000 |
| Preferred Stock | $294,066,000 | $0 | - | - |
| Current Accrued Expenses | $435,351,000 | $368,457,000 | $389,860,000 | $239,624,000 |
| Investments And Advances | $19,992,817,000 | $13,607,480,000 | $13,180,579,000 | $13,191,805,000 |
| Held To Maturity Securities | $5,722,543,000 | $5,376,267,000 | $5,688,610,000 | $5,859,192,000 |
| Available For Sale Securities | $5,470,914,000 | $428,346,000 | $405,263,000 | $308,286,000 |
| Trading Securities | $22,331,000 | $28,533,000 | $18,093,000 | $17,980,000 |
| Goodwill | $1,839,825,000 | $207,385,000 | $207,385,000 | $207,385,000 |
| Net PPE | $387,879,000 | $204,642,000 | $211,293,000 | $217,964,000 |
| Accumulated Depreciation | $-447,049,000 | $-418,517,000 | $-394,892,000 | $-371,958,000 |
| Gross PPE | $834,928,000 | $623,159,000 | $606,185,000 | $589,922,000 |
| Other Properties | $217,476,000 | $199,537,000 | $194,171,000 | $187,208,000 |
| Buildings And Improvements | $516,006,000 | $383,021,000 | $370,646,000 | $361,346,000 |
| Land And Improvements | $101,446,000 | $40,601,000 | $41,368,000 | $41,368,000 |
| Other Short Term Investments | $8,777,029,000 | $7,774,334,000 | $7,068,613,000 | $7,006,347,000 |
| Machinery Furniture Equipment | - | - | - | $285,833,000 |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $978,109,000 | $205,277,000 | $449,500,000 | $717,838,000 |
| Operating Activities | ||||
| Operating Cash Flow | $1,026,693,000 | $225,286,000 | $472,604,000 | $769,554,000 |
| Cash Flow From Continuing Operating Activities | $1,026,693,000 | $225,286,000 | $472,604,000 | $769,554,000 |
| Operating Gains Losses | $-27,402,000 | $-26,636,000 | $-3,010,000 | $-48,807,000 |
| Investing Activities | ||||
| Capital Expenditure | $-48,584,000 | $-20,009,000 | $-23,104,000 | $-51,716,000 |
| Investing Cash Flow | $-5,620,098,000 | $-3,262,501,000 | $-1,273,272,000 | $-3,845,385,000 |
| Cash Flow From Continuing Investing Activities | $-5,620,098,000 | $-3,262,501,000 | $-1,273,272,000 | $-3,845,385,000 |
| Net Other Investing Changes | $-33,631,000 | - | $-3,000,000 | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-132,628,000 | $-7,738,000 | $-8,367,000 | $-31,997,000 |
| Issuance Of Capital Stock | $529,207,000 | $0 | $0 | - |
| Financing Cash Flow | $3,916,687,000 | $5,957,648,000 | $4,771,052,000 | $-4,580,859,000 |
| Cash Flow From Continuing Financing Activities | $3,916,687,000 | $5,957,648,000 | $4,771,052,000 | $-4,580,859,000 |
| Net Other Financing Charges | $-524,000 | $-1,413,000 | - | $-2,129,000 |
| Cash Dividends Paid | $-135,620,000 | $-77,127,000 | $-74,245,000 | $-72,030,000 |
| Common Stock Dividend Paid | $-135,620,000 | $-77,127,000 | $-74,245,000 | $-72,030,000 |
| Net Preferred Stock Issuance | $179,066,000 | $0 | $0 | - |
| Preferred Stock Issuance | $294,066,000 | $0 | $0 | - |
| Net Common Stock Issuance | $217,513,000 | $-7,738,000 | $-8,367,000 | $-31,997,000 |
| Common Stock Issuance | $235,141,000 | $0 | $0 | - |
| Other | ||||
| Repayment Of Debt | $-200,000,000 | $-2,300,000,000 | $-31,056,000,000 | $0 |
| Issuance Of Debt | $0 | $500,000,000 | $32,856,000,000 | $110,000,000 |
| Interest Paid Supplemental Data | $1,466,097,000 | $1,204,688,000 | $844,397,000 | $196,482,000 |
| Income Tax Paid Supplemental Data | $63,242,000 | $76,930,000 | $79,334,000 | $101,952,000 |
| End Cash Position | $7,771,973,000 | $8,448,691,000 | $5,528,258,000 | $1,557,874,000 |
| Beginning Cash Position | $8,448,691,000 | $5,528,258,000 | $1,557,874,000 | $9,214,564,000 |
| Changes In Cash | $-676,718,000 | $2,920,433,000 | $3,970,384,000 | $-7,656,690,000 |
| Proceeds From Stock Option Exercised | $1,308,000 | $4,685,000 | $2,461,000 | $2,136,000 |
| Preferred Stock Payments | $-115,000,000 | $0 | $0 | - |
| Common Stock Payments | $-17,628,000 | $-7,738,000 | $-8,367,000 | $-31,997,000 |
| Net Issuance Payments Of Debt | $-200,000,000 | $-1,800,000,000 | $1,800,000,000 | $110,000,000 |
| Net Short Term Debt Issuance | $0 | $-1,800,000,000 | $1,800,000,000 | $0 |
| Short Term Debt Payments | $0 | $-2,300,000,000 | $-31,056,000,000 | $0 |
| Short Term Debt Issuance | $0 | $500,000,000 | $32,856,000,000 | $0 |
| Net Long Term Debt Issuance | $-200,000,000 | $0 | $0 | $110,000,000 |
| Long Term Debt Payments | $-200,000,000 | $0 | $0 | - |
| Net Investment Purchase And Sale | $-2,407,341,000 | $-386,456,000 | $156,145,000 | $-640,925,000 |
| Sale Of Investment | $3,025,139,000 | $7,968,680,000 | $1,991,392,000 | $1,621,718,000 |
| Purchase Of Investment | $-5,432,480,000 | $-8,355,136,000 | $-1,835,247,000 | $-2,262,643,000 |
| Net Business Purchase And Sale | $169,262,000 | $-109,046,000 | $-793,000 | $548,624,000 |
| Net PPE Purchase And Sale | $-48,584,000 | $-20,009,000 | $-23,104,000 | $-44,985,000 |
| Purchase Of PPE | $-48,584,000 | $-20,009,000 | $-23,104,000 | $-51,716,000 |
| Change In Working Capital | $80,158,000 | $-362,262,000 | $-15,839,000 | $232,000,000 |
| Change In Other Working Capital | $83,176,000 | $-317,217,000 | $-132,918,000 | $301,217,000 |
| Change In Payables And Accrued Expense | $26,247,000 | $-20,453,000 | $148,154,000 | $-10,995,000 |
| Change In Accrued Expense | $26,247,000 | $-20,453,000 | $148,154,000 | $-10,995,000 |
| Change In Receivables | $-29,265,000 | $-24,592,000 | $-31,075,000 | $-58,222,000 |
| Other Non Cash Items | $4,213,000 | $4,819,000 | $127,000 | $1,050,000 |
| Stock Based Compensation | $37,745,000 | $22,579,000 | $18,694,000 | $21,491,000 |
| Deferred Tax | $82,825,000 | $-16,174,000 | $-20,439,000 | $-6,308,000 |
| Deferred Income Tax | $82,825,000 | $-16,174,000 | $-20,439,000 | $-6,308,000 |
| Depreciation Amortization Depletion | $141,770,000 | $52,771,000 | $58,723,000 | $54,022,000 |
| Depreciation And Amortization | $141,770,000 | $52,771,000 | $58,723,000 | $54,022,000 |
| Gain Loss On Investment Securities | $-24,765,000 | $-21,160,000 | $3,026,000 | $-44,549,000 |
| Net Income From Continuing Operations | $702,398,000 | $441,243,000 | $350,024,000 | $431,682,000 |
| Long Term Debt Issuance | - | $0 | $0 | $110,000,000 |
| Sale Of PPE | - | $4,197,000 | $3,806,000 | $6,731,000 |
| Excess Tax Benefit From Stock Based Compensation | - | - | - | - |
| Unrealized Gain Loss On Investment Securities | - | - | - | - |
Fetched: 2026-06-14