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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| UMBF | -8.44% | +76.13% | +11.99% | +4,209% |
| S&P | +13.96% | +91.24% | +13.85% | +3,523% |
UMB Financial Corp. engages in the provision of bank and asset services. It operates through the following segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment serves the commercial lending and leasing, capital markets, and treasury management needs of the company’s mid-market businesses and governmental entities by offering various products and services. The Institutional Banking segment is a combination of banking services, fund services, and asset management services provided to institutional clients. The Personal Banking segment combines consumer banking and wealth management services offered to clients and delivered through personal relationships and the firm's bank branches, ATM network, and internet banking. The company was founded was founded in 1967 and is headquartered in Kansas City, MO.
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| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $1.09B | 51.9% |
| Market Cap | $8.99B | 75.4% |
| Market Cap / Employee | $2.43M | 0.0% |
| Employees | 3.7K | 2.8% |
| Net Income | $188.32M | 71.8% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $471.33M | 22.5% |
| Short Term Debt | $2.84B | -7.6% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.02% | 0.1% |
| Return On Invested Capital | 10.77% | 0.5% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $310.59M | 205.2% |
| Operating Free Cash Flow | $324.99M | 201.6% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 12.54 | 12.71 | 12.07 | 13.39 | 2.03% |
| Price to Book | 1.56 | 1.42 | 1.20 | 1.31 | -17.74% |
| Price to Sales | 1.99 | 2.18 | 2.37 | 2.40 | 26.22% |
| Price to Tangible Book Value | 1.69 | 1.54 | 1.86 | 1.98 | 14.16% |
| Price to Free Cash Flow TTM | 128.12 | 20.73 | 17.22 | 13.68 | -42.98% |
| Free Cash Flow Yield | 0.8% | 4.8% | 5.8% | 7.3% | 75.37% |
| Return on Equity | 13.4% | 8.3% | 10.1% | 11.1% | -10.59% |
| Total Debt | $3.05B | $3.21B | $3.59B | $3.31B | -4.28% |
No podcast episodes available.
UMBF earnings call for the period ending September 30, 2021.
UMBF earnings call for the period ending June 30, 2021.
UMBF earnings call for the period ending March 31, 2021.
UMBF earnings call for the period ending December 31, 2020.
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