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UMB Financial(NASDAQ) UMBF

Current Price$143.78
Market Cap$10.93BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1985)+5,582%
5 Year+81%
1 Year+35%
1 Month+8%
UMB Financial last closing stock price
MetricPriceDate
Last closeUSD 143.812026-07-21
UMB Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.84%USD 142.612026-07-14
1 month+8.08%USD 133.062026-06-18
3 month+17.61%USD 122.282026-04-22
Year to date+25.89%USD 114.232025-12-31
1 year+34.54%USD 106.892025-07-21
3 year+125.42%USD 63.802023-07-21
5 year+81.45%USD 79.262021-07-22
Since inception+5,582.42%USD 2.531985-05-22

UMB Financial Financials at a Glance

Market Cap

$10.93BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$4.46B

Net Income (TTM)

$882.50M

EPS (TTM)

$11.27

P/E Ratio

12.75

Dividend

$1.69

Beta (Volatility)

1.02 (Average)

Price

$143.78

Volume

1

Open

$143.66

Previous Close

$143.78

Daily Range

$141.93 - $144.13

52-Week Range

$103.38 - $148.31

Estimated Earnings Date

Jul 28, 2026

UMBF News

front of a bank building

How to Invest in SPDR S&P Regional Banking ETF (KRE)

Tony DongMay 2, 2026
SellAlert-Red.png

Regional Bank Stock Up 14% in a Year as Investor Sells $2.6 Million in Shares

Jonathan PoncianoMar 15, 2026
Foolcom-Featured.png

UMB Financial (UMBF) Q2 Revenue Up 77%

Motley Fool Markets TeamJul 30, 2025
GettyImages-1089881960

5 Small Bank Stocks That Could Do Well During a Downturn

Bram BerkowitzApr 23, 2020

Today's Regional Bank Earnings Roundup

Robert EberhardApr 25, 2012

Yesterday's Regional Bank Earnings Roundup

Robert EberhardJan 25, 2012

UMB Earnings Preview

Narrative ScienceJan 20, 2012

Is This the Best Bank in the Southwest?

Robert EberhardOct 6, 2011
Page 1

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About UMB Financial

UMB Financial helps people and businesses manage their money through bank accounts and loans. It provides credit cards and investment tools to help customers grow their wealth. The company also offers specialized services for healthcare payments and business fund management.

What UMB Offers Customers

  • Commercial Banking: Lending, credit cards, and treasury management for businesses; includes asset-based lending and accounts receivable financing.
  • Institutional Banking: Asset management and fund services for groups; provides healthcare payment solutions like health savings accounts (HSAs) for insurance carriers and employers.
  • Personal Banking: Standard consumer services such as checking accounts, mortgages, and small business loans; also includes private banking and brokerage services.

Recent Growth and Strategic Moves

  • Acquired Heartland Financial USA, Inc. on January 31, 2025, in an all-stock transaction involving 23.6 million common shares.
  • Merged HTLF Bank into its primary national bank subsidiary one day after the Heartland acquisition closed.
  • Settled a forward sale agreement in the first quarter of 2025 that generated net proceeds of $235.1 million.

What Makes UMB Different

The company operates a diverse business model that balances traditional local banking with specialized national niches like healthcare payment solutions. This strategy uses a wide network of offices across 16 states to serve both individual consumers and large institutional clients.

Financial Performance at a Glance

  • Revenue reached $1.1 billion in Q4 2025, up 59.5% from Q4 2024.
  • Net income rose to $215.4 million in Q4 2025, an increase of 79.5% year-over-year.
  • Operating income hit $295.3 million in Q4 2025, up 103.9% from the previous year.
  • Free cash flow grew to $95.3 million in Q4 2025, up 223.7% from a negative position in Q4 2024.

The Bottom Line

UMB has transformed from a regional lender into a multifaceted financial firm with significant institutional and healthcare service arms. Its recent large-scale acquisition of Heartland Financial marks a major expansion of its banking footprint and capital base.

AI Generated • Apr 21, 2026

Industry

Banks

Sector

Financials

Employees

5,222

CEO

J. Mariner Kemper

Website

www.umb.com

Headquarters

Kansas City, MO 64106, US

UMBF Financials

Key Financial Metrics (TTM)

Gross Margin

56.67%

Operating Margin

20.93%

Net Income Margin

19.79%

Return on Equity

11.67%

Return on Capital

7.83%

Return on Assets

1.21%

Earnings Yield

7.84%

Dividend Yield

1.18%

Payout Ratio

16.44%

Stock Overview

Market Cap

$10.93BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

75.98M

Volume

1

Avg. Volume

721.28K

Financials (TTM)

Gross Profit

$2.53B

Operating Income

$933.39M

EBITDA

$1.09B

Operating Cash Flow

$1.02B

Capital Expenditure

-$44.28M

Free Cash Flow

$980.67M

Cash & ST Invst.

$735.83M

Total Debt

$4.03B

UMB Financial Performance Analysis

UMB Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,699,471,00027.6%
20232023-12-31USD 2,383,981,00040.3%
20242024-12-31USD 2,800,847,00017.5%
20252025-12-31USD 4,127,853,00047.4%
UMB Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3019.5%
Q32025-09-3046.7%
Q42025-12-31-27.2%
Q12026-03-31-20.1%
UMB Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 8.8622.3%
20232023-12-31USD 7.18-18.9%
20242024-12-31USD 8.9925.3%
20252025-12-31USD 9.293.3%
UMB Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30133.1%
Q32025-09-30-16.3%
Q42025-12-3116.1%
Q12026-03-3122.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$867.07M

+1.9%

Gross Profit

$534.37M

+26.0%

Gross Margin

61.63%

N/A

Market Cap

$10.93BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.09M

N/A

Employees

5,222

N/A

Net Income

$261.44M

+221.4%

EBITDA

$149.94M

+22.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$735.83M

-96.6%

Total Debt

$4.03B

+25.3%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$477.16M

-27.1%

Short Term Debt

$3.55B

+38.7%

Return on Assets

1.21%

N/A

Return on Invested Capital

1.35%

N/A

Free Cash Flow

$356.76M

+0.7%

Operating Cash Flow

$361.27M

-0.5%

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Questions About UMBF

What is the current price of UMB Financial?

UMB Financial is trading at $143.78 per share.

What is the 52-week range for UMB Financial?

Over the past 52 weeks, UMB Financial has traded between $103.38 and $148.31.

How much debt does UMB Financial have?

As of the most recent reporting period, UMB Financial reported total debt of $4.03B.

How much cash does UMB Financial have on hand?

UMB Financial does not have cash on hand data available.

What is UMB Financial’s dividend yield?

UMB Financial currently has a dividend yield of 1.18%.

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