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UMB Financial Corporation

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%

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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 Valuation Filings

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	23.64	14.36	15.40	13.73	11.56	14.50	9.25	11.62	12.46	12.50
Piotroski F-Score Full definition →	7	7	6	8	6	5	5	6	6	7
P/S ratio Full definition →	4.04	3.41	2.65	2.60	2.43	3.86	2.36	1.71	1.97	2.03
P/FCF ratio Full definition →	15.12	12.11	12.37	12.26	10.32	10.16	5.51	9.05	26.80	8.62
P/Operating CF Full definition →	29.53	43.16	42.00	22.41	20.96	29.83	27.63	47.88	(82.27)	79.45
P/B ratio Full definition →	1.91	1.63	1.35	1.28	1.10	1.63	1.50	1.31	1.59	1.14
Price to Tangible BV Full definition →	2.13	1.79	1.48	1.40	1.18	1.73	1.68	1.44	1.72	1.66
EV/Sales Full definition →	2.50	1.57	0.63	0.07	(1.19)	(3.85)	1.01	(0.60)	(1.16)	(0.14)
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	7.81	5.02	2.40	0.28	(4.38)	(9.57)	2.23	(3.00)	(14.41)	(0.55)
EV/FCF Full definition →	9.36	5.59	2.92	0.35	(5.08)	(10.13)	2.37	(3.15)	(15.81)	(0.57)
Quick Ratio Full definition →	0.08	0.10	0.11	0.14	0.18	0.27	0.08	0.15	0.20	0.15
Current Ratio Full definition →	0.65	0.68	0.69	0.71	0.72	0.71	0.67	0.72	0.75	0.75
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.37%	0.36%	0.35%	0.26%	0.81%	0.64%	0.99%	0.87%	0.76%	0.65%
Debt/Equity Full definition →	0.04	0.04	0.04	0.03	0.09	0.09	0.14	0.12	0.11	0.06
Asset Turnover Full definition →	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.06	0.06	0.07
Operating CF/Net income Full definition →	1.87	1.32	1.51	1.40	1.30	1.51	1.78	1.35	0.51	1.50
Capex/Depreciation Full definition →	(0.45)	(0.32)	(0.55)	(0.74)	(0.48)	(0.27)	(0.45)	(0.23)	(0.20)	(0.37)
ROE Full definition →	8.24%	11.93%	8.87%	10.08%	10.19%	11.46%	14.85%	12.14%	13.44%	12.60%
ROA Full definition →	0.80%	1.16%	0.87%	0.98%	0.96%	0.93%	1.06%	0.85%	0.93%	1.11%
ROIC Full definition →	23.10%	54.57%	0.00%	0.00%	0.00%	0.00%	84.81%	0.00%	0.00%	0.00%
Return on Tangible Assets Full definition →	(2.54%)	(4.17%)	(3.19%)	(3.66%)	(3.52%)	(3.15%)	(3.87%)	(3.24%)	(3.96%)	(4.32%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	74.61%	71.01%	69.05%	62.51%	69.12%	63.89%	55.03%	43.34%	38.58%	40.63%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.01	0.01	0.03
Share Based Compensation of Revenue Full definition →	1.27%	1.28%	0.98%	1.15%	1.10%	1.60%	1.27%	0.79%	0.81%	0.91%
Graham Net Nets Full definition →	(1.78)	(1.78)	(2.18)	(2.14)	(2.66)	(2.33)	(3.05)	(2.92)	(2.21)	(2.04)
Graham Number Full definition →	54.13	70.75	63.44	77.53	91.75	103.60	105.29	101.90	120.40	144.60
Earnings Yield Full definition →	4.23%	6.96%	6.49%	7.28%	8.65%	6.90%	10.82%	8.61%	8.03%	8.00%
Free Cash Flow Yield Full definition →	6.61%	8.26%	8.08%	8.16%	9.69%	9.85%	18.15%	11.05%	3.73%	11.61%
Revenue per Share Full definition →	18.96	21.14	22.98	26.44	28.43	27.53	35.00	49.08	57.42	56.57
Operating CF per Share Full definition →	6.07	6.63	5.99	6.97	7.76	11.06	15.92	9.74	4.62	14.01
Capex per Share Full definition →	(1.01)	(0.68)	(1.07)	(1.37)	(1.07)	(0.62)	(0.93)	(0.48)	(0.41)	(0.66)
Free Cash Flow per Share Full definition →	5.07	5.95	4.93	5.60	6.69	10.45	14.99	9.27	4.21	13.35
Cash per Share Full definition →	30.76	40.43	48.26	68.11	108.56	217.60	54.95	121.03	187.35	129.18
Shareholders Equity per Share Full definition →	40.19	44.32	45.17	53.43	62.67	65.16	55.17	63.92	71.11	105.02
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	40.19	44.32	45.17	53.43	62.67	65.16	55.17	63.92	71.11	105.02
Free Cash Flow Full definition →	247.36	293.12	243.14	273.16	321.95	504.30	724.57	449.50	205.28	978.11
Working Capital Full definition →	(6,545.66)	(6,204.80)	(6,409.07)	(6,947.29)	(8,426.12)	(11,475.41)	(11,414.00)	(11,054.45)	(11,355.16)	(16,241.97)
Capital Expenditures Full definition →	(49.08)	(33.41)	(52.56)	(66.78)	(51.65)	(29.79)	(44.98)	(23.10)	(20.01)	(48.58)
Net Current Asset Value Full definition →	(6,665.29)	(6,319.68)	(6,553.81)	(7,170.25)	(8,850.25)	(11,935.62)	(12,158.44)	(11,863.34)	(12,178.08)	(17,225.41)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.05	0.03	0.05	0.05	0.04	0.02	0.03	0.01	0.01	0.01
Price to Operating Income Full definition →	18.83	15.02	13.45	11.71	9.80	11.94	7.50	9.65	10.16	9.63
Other line items
Depreciation/Fixed assets Full definition →	0.38	0.37	0.34	0.30	0.37	0.40	0.38	0.42	0.44	0.33
Cash ROIC Full definition →	6.99%	6.90%	5.18%	4.55%	3.78%	3.62%	12.70%	4.81%	1.58%	5.55%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.00	0.00	0.01	0.01	0.00	0.00	0.01	0.03	0.03	0.03
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	218,286.15	113,422.56	57,915.98	41,071.44	127,798.42	282,471.56	53,250.15	14,222.24	13,457.49	14,838.21
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	15,831.68	17,296.81	18,652.13	20,442.25	24,327.25	31,325.59	34,119.53	34,216.00	39,467.45	51,899.41
Average Assets Full definition →	19,888.39	21,227.06	22,561.35	24,956.24	29,844.43	37,910.49	40,602.97	41,262.07	47,210.67	61,751.88
Average Common Equity Full definition →	1,928.04	2,071.96	2,205.00	2,417.46	2,811.69	3,081.19	2,906.26	2,883.76	3,283.48	5,433.02

Show all line items

Columns are period end dates · fundamentals updated 2 Nov 2026

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