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Friday 6 November 2026
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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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.50 | 12.46 | 11.62 | 9.25 | 14.50 | 11.56 | 13.73 | 15.40 | 14.36 | 23.64 |
Piotroski F-Score |
7 | 6 | 6 | 5 | 5 | 6 | 8 | 6 | 7 | 7 |
P/S ratio |
2.03 | 1.97 | 1.71 | 2.36 | 3.86 | 2.43 | 2.60 | 2.65 | 3.41 | 4.04 |
P/FCF ratio |
8.62 | 26.80 | 9.05 | 5.51 | 10.16 | 10.32 | 12.26 | 12.37 | 12.11 | 15.12 |
P/Operating CF |
79.45 | (82.27) | 47.88 | 27.63 | 29.83 | 20.96 | 22.41 | 42.00 | 43.16 | 29.53 |
P/B ratio |
1.14 | 1.59 | 1.31 | 1.50 | 1.63 | 1.10 | 1.28 | 1.35 | 1.63 | 1.91 |
Price to Tangible BV |
1.66 | 1.72 | 1.44 | 1.68 | 1.73 | 1.18 | 1.40 | 1.48 | 1.79 | 2.13 |
EV/Sales |
(0.14) | (1.16) | (0.60) | 1.01 | (3.85) | (1.19) | 0.07 | 0.63 | 1.57 | 2.50 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(0.55) | (14.41) | (3.00) | 2.23 | (9.57) | (4.38) | 0.28 | 2.40 | 5.02 | 7.81 |
EV/FCF |
(0.57) | (15.81) | (3.15) | 2.37 | (10.13) | (5.08) | 0.35 | 2.92 | 5.59 | 9.36 |
Quick Ratio |
0.15 | 0.20 | 0.15 | 0.08 | 0.27 | 0.18 | 0.14 | 0.11 | 0.10 | 0.08 |
Current Ratio |
0.75 | 0.75 | 0.72 | 0.67 | 0.71 | 0.72 | 0.71 | 0.69 | 0.68 | 0.65 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.65% | 0.76% | 0.87% | 0.99% | 0.64% | 0.81% | 0.26% | 0.35% | 0.36% | 0.37% |
Debt/Equity |
0.06 | 0.11 | 0.12 | 0.14 | 0.09 | 0.09 | 0.03 | 0.04 | 0.04 | 0.04 |
Asset Turnover |
0.07 | 0.06 | 0.06 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.50 | 0.51 | 1.35 | 1.78 | 1.51 | 1.30 | 1.40 | 1.51 | 1.32 | 1.87 |
Capex/Depreciation |
(0.37) | (0.20) | (0.23) | (0.45) | (0.27) | (0.48) | (0.74) | (0.55) | (0.32) | (0.45) |
| 12.60% | 13.44% | 12.14% | 14.85% | 11.46% | 10.19% | 10.08% | 8.87% | 11.93% | 8.24% | |
| 1.11% | 0.93% | 0.85% | 1.06% | 0.93% | 0.96% | 0.98% | 0.87% | 1.16% | 0.80% | |
ROIC |
0.00% | 0.00% | 0.00% | 84.81% | 0.00% | 0.00% | 0.00% | 0.00% | 54.57% | 23.10% |
Return on Tangible Assets |
(4.32%) | (3.96%) | (3.24%) | (3.87%) | (3.15%) | (3.52%) | (3.66%) | (3.19%) | (4.17%) | (2.54%) |
Average Days of Receivables |
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 |
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 |
40.63% | 38.58% | 43.34% | 55.03% | 63.89% | 69.12% | 62.51% | 69.05% | 71.01% | 74.61% |
Intangible Assets out of Total Assets |
0.03 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.91% | 0.81% | 0.79% | 1.27% | 1.60% | 1.10% | 1.15% | 0.98% | 1.28% | 1.27% |
Graham Net Nets |
(2.04) | (2.21) | (2.92) | (3.05) | (2.33) | (2.66) | (2.14) | (2.18) | (1.78) | (1.78) |
Graham Number |
144.60 | 120.40 | 101.90 | 105.29 | 103.60 | 91.75 | 77.53 | 63.44 | 70.75 | 54.13 |
Earnings Yield |
8.00% | 8.03% | 8.61% | 10.82% | 6.90% | 8.65% | 7.28% | 6.49% | 6.96% | 4.23% |
Free Cash Flow Yield |
11.61% | 3.73% | 11.05% | 18.15% | 9.85% | 9.69% | 8.16% | 8.08% | 8.26% | 6.61% |
Revenue per Share |
56.57 | 57.42 | 49.08 | 35.00 | 27.53 | 28.43 | 26.44 | 22.98 | 21.14 | 18.96 |
Operating CF per Share |
14.01 | 4.62 | 9.74 | 15.92 | 11.06 | 7.76 | 6.97 | 5.99 | 6.63 | 6.07 |
Capex per Share |
(0.66) | (0.41) | (0.48) | (0.93) | (0.62) | (1.07) | (1.37) | (1.07) | (0.68) | (1.01) |
Free Cash Flow per Share |
13.35 | 4.21 | 9.27 | 14.99 | 10.45 | 6.69 | 5.60 | 4.93 | 5.95 | 5.07 |
Cash per Share |
129.18 | 187.35 | 121.03 | 54.95 | 217.60 | 108.56 | 68.11 | 48.26 | 40.43 | 30.76 |
Shareholders Equity per Share |
105.02 | 71.11 | 63.92 | 55.17 | 65.16 | 62.67 | 53.43 | 45.17 | 44.32 | 40.19 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
105.02 | 71.11 | 63.92 | 55.17 | 65.16 | 62.67 | 53.43 | 45.17 | 44.32 | 40.19 |
Free Cash Flow |
978.11 | 205.28 | 449.50 | 724.57 | 504.30 | 321.95 | 273.16 | 243.14 | 293.12 | 247.36 |
Working Capital |
(16,241.97) | (11,355.16) | (11,054.45) | (11,414.00) | (11,475.41) | (8,426.12) | (6,947.29) | (6,409.07) | (6,204.80) | (6,545.66) |
Capital Expenditures |
(48.58) | (20.01) | (23.10) | (44.98) | (29.79) | (51.65) | (66.78) | (52.56) | (33.41) | (49.08) |
Net Current Asset Value |
(17,225.41) | (12,178.08) | (11,863.34) | (12,158.44) | (11,935.62) | (8,850.25) | (7,170.25) | (6,553.81) | (6,319.68) | (6,665.29) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.03 | 0.02 | 0.04 | 0.05 | 0.05 | 0.03 | 0.05 |
Price to Operating Income |
9.63 | 10.16 | 9.65 | 7.50 | 11.94 | 9.80 | 11.71 | 13.45 | 15.02 | 18.83 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.33 | 0.44 | 0.42 | 0.38 | 0.40 | 0.37 | 0.30 | 0.34 | 0.37 | 0.38 |
Cash ROIC |
5.55% | 1.58% | 4.81% | 12.70% | 3.62% | 3.78% | 4.55% | 5.18% | 6.90% | 6.99% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
14,838.21 | 13,457.49 | 14,222.24 | 53,250.15 | 282,471.56 | 127,798.42 | 41,071.44 | 57,915.98 | 113,422.56 | 218,286.15 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
51,899.41 | 39,467.45 | 34,216.00 | 34,119.53 | 31,325.59 | 24,327.25 | 20,442.25 | 18,652.13 | 17,296.81 | 15,831.68 |
Average Assets |
61,751.88 | 47,210.67 | 41,262.07 | 40,602.97 | 37,910.49 | 29,844.43 | 24,956.24 | 22,561.35 | 21,227.06 | 19,888.39 |
Average Common Equity |
5,433.02 | 3,283.48 | 2,883.76 | 2,906.26 | 3,081.19 | 2,811.69 | 2,417.46 | 2,205.00 | 2,071.96 | 1,928.04 |
Columns are period end dates · fundamentals updated 2 Nov 2026