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UMB Financial

(NASDAQ) UMBF

Current Price$109.42
Market Cap$8.32B
Since IPO (1985)+4,203%
5 Year+23%
1 Year+7%
1 Month-14%

UMB Financial Financials at a Glance

Market Cap

$8.32B

Revenue (TTM)

$4.44B

Net Income (TTM)

$702.40M

EPS (TTM)

$9.14

P/E Ratio

11.95

Dividend

$1.66

Beta (Volatility)

1.05 (Average)

Price

$109.42

Volume

0.062

Open

$108.53

Previous Close

$109.26

Daily Range

$107.12 - $110.63

52-Week Range

$82.00 - $136.11

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About UMB Financial

Industry

Banks

Employees

5,222

CEO

J. Mariner Kemper

Headquarters

Kansas City, MO 64106, US

UMBF Financials

Key Financial Metrics (TTM)

Gross Margin

54%

Operating Margin

20%

Net Income Margin

16%

Return on Equity

13%

Return on Capital

11%

Return on Assets

1%

Earnings Yield

8.37%

Dividend Yield

0.02%

Payout Ratio

19.31%

Stock Overview

Market Cap

$8.32B

Shares Outstanding

76.14M

Volume

0.062

Short Interest

0.00%

Avg. Volume

524.95K

Financials (TTM)

Gross Profit

$2.42B

Operating Income

$899.96M

EBITDA

$1.06B

Operating Cash Flow

$1.02B

Capital Expenditure

$48.58M

Free Cash Flow

$971.91M

Cash & ST Invst.

$952.55M

Total Debt

$3.80B

UMB Financial Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$1.09B

+59.5%

Gross Profit

$720.87M

+92.1%

Gross Margin

66.42%

N/A

Market Cap

$8.32B

N/A

Market Cap/Employee

$2.25M

N/A

Employees

3,698

N/A

Net Income

$215.35M

+79.5%

EBITDA

$320.76M

+103.6%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$2.85B

-121.3%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$474.23M

+23.1%

Short Term Debt

$3.32B

+27.4%

Return on Assets

0.96%

N/A

Return on Invested Capital

11.02%

N/A

Free Cash Flow

$775.21M

-906.1%

Operating Cash Flow

$742.96M

-1011.0%

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Questions About UMBF

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