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UMB Financial Corporation

UMBF Financial Banks Regional

UMB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, up 48.1% from fiscal 2024.

Revenue
+4.21%
EPS
+53.8%
Free cash flow
+39.2%
Total debt
−29.3%

Quarter to September 2026, against a year earlier

134.90 3.61 −2.61%
Market cap
$10.2B
P/E
10.1×
Fwd P/E
9.8×
Dividend yield
1.01%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Insider Decisions last twelve months

Bought, $m 0.25
Sold, $m 11.51
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 — — — — — — 2 — 2
Sell 2 — 2 — — — 3 2 9 — 1 —
Insider Ownership 3.98%

Capital & Financial Ratios $m

Size
Market Cap 10,230.00
Revenue ttm 4,401.75
Net income ttm 1,032.45
Free cash flow ttm 1,141.76
Net debt Q (5,679.89)
Valuation
P/E 10.10
Forward P/E 9.76
Price / sales 2.33
Forward P/S Powerpack
Price / FCF 8.97
Price / book 1.36
Financial health
Current ratio Q 0.76
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q +4.21% (above 0%: growing)
Operating income growth Q +44.55% (above 0%: growing)
EPS, this year +19.22% (at or above 15%: strong)
EPS, next year A +4.34%
Revenue, next year A −26.79% (below 0%: weak)
EPS, past 5 yrs +9.39%
EPS, next 5 yrs A +11.03%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 11.33%
10-year low 10-year high
P/S against its own 10 years 33.55%
10-year low 10-year high
P/B against its own 10 years 44.48%
10-year low 10-year high

Dividends raised every year since 2017

Yield
1.01%
Annual rate
1.36
Payout ratio
10.2%
Growth, 2017–25
+5.78%/yr
  1. 0.69 ’17
  2. 0.78 ’18 +12
  3. 0.81 ’19 +3
  4. 0.83 ’20 +3
  5. 0.92 ’21 +10
  6. 0.99 ’22 +8
  7. 1.02 ’23 +3
  8. 1.05 ’24 +3
  9. 1.09 ’25 +4
  10. 1.85 ’26e +70
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 5,870 9,133 9,464 6,013
Receivables — — — —
Inventory — — — —
Other — — — —
29,048 34,765 48,175 48,440
2023 2024 2025 Q'26
Payables 35,793 43,142 60,657 60,169
ST’ Debt — — — —
Other — — — —
40,102 46,120 64,417 63,810

Compound Annual Growth %

10y 5y 3y
Sales 17.86% 24.81% 34.80%
Cash Flow 17.09% 22.41% 10.09%
Earnings 19.42% 19.03% 16.62%
Book Value 15.05% 20.59% 42.35%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 3.22 Actual 3.56

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 2.71 3.08 Beat by 0.37
Q1 FY26 2.82 3.41 Beat by 0.59
Q2 FY26 3.08 3.57 Beat by 0.49
Q3 FY26 3.22 3.56 Beat by 0.34
Q4 FY26 3.30 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 3.35 3.56 3.63 — —
’25 1.21 2.82 2.36 2.74 9.29
’24 2.25 2.07 2.23 2.44 8.99
’23 1.90 1.85 1.98 1.45 7.18
’22 2.17 2.83 1.81 2.06 8.86
’21 1.91 1.79 1.94 1.61 7.24
’20 (0.07) 1.26 1.52 3.24 5.93
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,072 1,117 1,128 — —
’25 904 1,073 1,082 1,085 4,144
’24 679 683 716 720 2,799
’23 539 599 605 637 2,381
’22 345 425 429 492 1,692
’21 315 344 329 340 1,329
’20 310 313 310 436 1,369
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 361 349 370 — —
’25 363 285 272 106 1,027
’24 56 112 124 (67) 225
’23 2 154 232 85 473
’22 196 210 219 144 770
’21 116 61 185 172 534
’20 9 92 114 158 374
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 357 331 359 — —
’25 354 271 258 95 978
’24 56 107 119 (77) 205
’23 (8) 150 226 81 450
’22 190 205 202 127 725
’21 110 54 180 161 504
’20 0 75 102 145 322
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 20.9% a year for ten years. It grew 6.7% a year over the last ten.

Implied
20.9%
10 years, reported
6.7%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 926 1,040 1,134 1,290 1,369 1,329 1,692 2,381 2,799 4,144 4,402 +18.1% 3,034 3,240 3,482 (5.6%)
Gross margin, % 97.01 94.43 89.28 85.11 94.36 96.54 86.78 61.41 58.20 64.00 68.39 (33.0) pt
EBT 199 236 224 286 339 429 532 422 541 875 1,294 +17.9%
EBT margin, % 21.46 22.72 19.72 22.17 24.76 32.29 31.45 17.71 19.34 21.11 29.40 (0.4) pt
Net income 159 247 196 244 287 353 432 350 441 702 1,032 +18.0%
Per share, $
Per share, $ Revenue 18.96 21.14 22.98 26.44 28.43 27.53 35.00 49.08 57.42 56.57 57.96 +12.9%
Earnings 3.25 5.02 3.97 4.99 5.95 7.31 8.93 7.22 9.05 9.35 13.36 +12.5%
Cash flow 6.07 6.63 5.99 6.97 7.76 11.06 15.92 9.74 4.62 14.01 15.63 +9.7%
Capex (1.01) (0.68) (1.07) (1.37) (1.07) (0.62) (0.93) (0.48) (0.41) (0.66) (0.60) (4.5%)
Free cash flow 5.07 5.95 4.93 5.60 6.69 10.45 14.99 9.27 4.21 13.35 15.03 +11.4%
Book value 40.19 44.32 45.17 53.43 62.67 65.16 55.17 63.92 71.11 105.02 103.39 +11.3%
Shares, m 49 49 49 49 48 48 48 49 49 73 75 +4.6%
Valuation, ×
Valuation, × P/E 23.64 14.36 15.40 13.73 11.56 14.50 9.25 11.62 12.46 12.50 10.10 13.9
P/S 4.04 3.41 2.65 2.60 2.43 3.86 2.36 1.71 1.97 2.03 2.33 2.7
P/B 1.91 1.63 1.35 1.28 1.10 1.63 1.50 1.31 1.59 1.14 1.36 1.4
EV/Sales 2.50 1.57 0.63 0.07 (1.19) (3.85) 1.01 (0.60) (1.16) (0.14) — (0.1)
EV/FCF 9.36 5.59 2.92 0.35 (5.08) (10.13) 2.37 (3.15) (15.81) (0.57) — (1.4)
Cash, $m
Cash, $m Operating cash flow 296 327 296 340 374 534 770 473 225 1,027 1,187 +14.8%
Capex (49) (33) (53) (67) (52) (30) (45) (23) (20) (49) (45) (0.1%)
Free cash flow 247 293 243 273 322 504 725 450 205 978 1,142 +16.5%
Balance, $m
Balance, $m Working capital (6,546) (6,205) (6,409) (6,947) (8,426) (11,475) (11,414) (11,054) (11,355) (16,242) (15,370) +10.6%
Net debt (1,425) (1,911) (2,298) (3,252) (4,956) (10,232) (2,275) (5,487) (8,748) (8,989) (5,680) +22.7%
Shareholders’ equity 1,962 2,182 2,228 2,606 3,017 3,145 2,667 3,100 3,467 7,694 7,853 +16.4%
Returns, %
Returns, % ROA 0.80 1.16 0.87 0.98 0.96 0.93 1.06 0.85 0.93 1.11 1.40 +0.3 pt
ROIC 23.10 54.57 0.00 0.00 0.00 0.00 84.81 0.00 0.00 0.00 37.22 (23.1) pt
ROE 8.24 11.93 8.87 10.08 10.19 11.46 14.85 12.14 13.44 12.60 13.72 +4.4 pt
People
People Employees 3,688 3,570 3,573 3,670 3,591 3,529 3,770 3,599 3,698 5,222 — +3.9%
Revenue/emp, $m 0.25 0.29 0.32 0.35 0.38 0.38 0.45 0.66 0.76 0.79 — +13.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

UMB Financial Corporation is a financial holding company headquartered in Kansas City, Missouri. Founded in 1913, it is led by Chairman and Chief Executive Officer J. Mariner Kemper. Through a national bank and nonbank subsidiaries, UMB provides banking and asset-servicing services to customers in the United States and around the globe.

The bank serves businesses, individual consumers, government customers and other banks. Its offerings include loans and deposit accounts, as well as cash-management, bankcard, trust and asset-management services. Cash management helps customers handle money and transactions; trust and asset-management services involve administering or managing assets for clients.

UMB Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FHN First Horizon Corporation $11.0B 16.4× 16.5× −39.55% (below 0%: shrinking) n/m +664.86% (above 0%: growing) 52.50% 0.00% Compare
WTFC Wintrust Financial Corporation $10.2B 11.5× 11.4× +4.06% (above 0%: growing) +21.28% (above 0%: growing) −23.80% (below 0%: shrinking) 66.53% 0.00% Compare
UMBF UMB Financial Corporation $10.2B 10.1× 9.8× +4.21% (above 0%: growing) +53.84% (above 0%: growing) +39.21% (above 0%: growing) 68.49% 0.00%
SSB SouthState Bank Corporation $10.1B 11.1× 11.3× −2.24% (below 0%: shrinking) −5.33% (below 0%: shrinking) +285.97% (above 0%: growing) 71.49% 0.00% Compare
CIB Grupo Cibest S.A. - Sponsored ADR $10.1B 18.0× — +178.87% (above 0%: growing) +85.47% (above 0%: growing) −187.28% (below 0%: shrinking) 71.39% 0.00% Compare
BPOP Popular, Inc. $9.8B 10.5× 9.7× +4.48% (above 0%: growing) +40.78% (above 0%: growing) +46.43% (above 0%: growing) 75.20% 0.00% Compare
CFR Cullen/Frost Bankers, Inc. $9.7B 14.6× 14.2× +2.95% (above 0%: growing) +6.37% (above 0%: growing) +21.44% (above 0%: growing) 78.65% 0.00% Compare
ONB Old National Bancorp $9.5B 10.2× 9.8× −0.23% (below 0%: shrinking) +43.48% (above 0%: growing) +11.48% (above 0%: growing) 68.19% 0.00% Compare
ZION Zions Bancorporation, N.A. $9.5B 8.0× 8.2× −0.80% (below 0%: shrinking) +20.27% (above 0%: growing) +518.28% (above 0%: growing) 70.88% 0.00% Compare
Median of peers $9.9B 11.3× 11.3× +1.36% +21.28% +33.94% 71.13% 0.00%

All 327 Banks Regional stocks →

From the latest earnings call

Updated

  • CEO J. Mariner Kemper said Eldorado would add 35 branches and deposits to UMB’s franchise, with the acquisition expected to close in the first quarter of 2027, subject to approvals.
  • CFO Ram Shankar expects fourth-quarter core net interest margin to be relatively flat, while Kemper expects gross loan production to moderate toward first-half levels.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 95.89%
Held by the ten largest 51.74%
Holder Shares Stake Change
BlackRock 10.22m 13.45% +871.18k
Vanguard 7.96m 10.48% +115.22k
UMB Bank, n.a. 4.67m 6.16% −48.61k
State Street 4.13m 5.44% +151.68k
Dimensional Fund Advisors 3.03m 3.99% +120.92k
Fidelity (FMR) 2.67m 3.52% +249.23k
Geode Capital Management 2.06m 2.72% +117.46k
Wellington Management 1.69m 2.22% −1.02m
Neuberger Berman 1.56m 2.06% −137.40k
AllianceBernstein 1.30m 1.71% +80.63k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 12 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 10.35m 13.14m 187.49
2024 6.63m 11.34m 180.20
2023 4.79m 4.28m 131.21
2022 5.43m 3.84m 128.34
2021 4.98m 10.81m 160.35

Ownership

Directors and executive officers, together 5.33%
Blackrock, Inc. 10.36%
The Vanguard Group 9.63%
State Street Corporation 5.07%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

UMB Financial Corporation (UMBF) Latest News

28 Oct

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21 Aug

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20 Aug

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10 Aug

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3 Aug

Impact 3 · transcript

1 Aug

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UMBF metrics, ten years each

stockrow.com/UMBF · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com