Friday 6 November 2026 Export UMBF’s income statement to Excel — free account

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%

Follow UMBF

Alert me

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

	Older periods	Dec '25	Mar '26	Jun '26	Sep '26
P/E ratio Full definition →	+8 more quarters Free account	12.50	9.95	11.82	9.73
P/S ratio Full definition →		2.03	1.99	2.49	2.24
P/FCF ratio Full definition →		8.62	8.75	10.42	8.65
P/Operating CF Full definition →		79.45	23.74	31.05	26.66
P/B ratio Full definition →		1.14	1.14	1.40	1.31
Price to Tangible BV Full definition →		1.66	1.64	1.99	1.86
EV/Sales Full definition →		(0.14)	0.26	1.06	—
EV/EBITDA Full definition →		0.00	0.00	0.00	—
EV/Operating CF Full definition →		(0.55)	1.09	4.24	—
EV/FCF Full definition →		(0.57)	1.14	4.44	—
Quick Ratio Full definition →		0.15	0.12	0.11	0.09
Current Ratio Full definition →		0.75	0.75	0.76	0.76
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		0.65%	0.66%	0.66%	0.46%
Debt/Equity Full definition →		0.06	0.06	0.06	0.04
Asset Turnover Full definition →		0.07	0.06	0.06	0.06
Operating CF/Net income Full definition →		0.51	1.41	1.29	1.36
Capex/Depreciation Full definition →		(0.36)	(0.14)	0.39	(0.09)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		39.17%	35.87%	36.19%	36.11%
Intangible Assets out of Total Assets Full definition →		0.03	0.03	0.03	0.03
Share Based Compensation of Revenue Full definition →		0.86%	1.25%	0.84%	0.82%
Graham Net Nets Full definition →		(2.04)	(1.96)	(1.52)	(1.67)
Graham Number Full definition →		144.60	158.99	166.37	172.97
Earnings Yield Full definition →		8.00%	10.05%	8.46%	10.28%
Free Cash Flow Yield Full definition →		11.61%	11.43%	9.60%	11.56%
Revenue per Share Full definition →		14.81	14.10	14.70	14.85
Operating CF per Share Full definition →		1.45	4.75	4.60	4.88
Capex per Share Full definition →		(0.15)	(0.06)	(0.24)	(0.15)
Free Cash Flow per Share Full definition →		1.30	4.69	4.35	4.73
Cash per Share Full definition →		129.18	104.43	88.26	79.17
Shareholders Equity per Share Full definition →		105.02	102.94	105.71	103.39
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		105.02	102.94	105.71	103.39
Free Cash Flow Full definition →		95.32	356.76	330.80	358.89
Working Capital Full definition →		(16,241.97)	(15,845.83)	(15,439.22)	(15,369.73)
Capital Expenditures Full definition →		(10.76)	(4.52)	(18.46)	(11.55)
Net Current Asset Value Full definition →		(17,225.41)	(16,851.56)	(16,453.01)	(16,445.10)
EV/EBIT Full definition →		0.00	0.00	0.00	—
Capex to Sales Full definition →		0.01	0.00	0.02	0.01
Price to Operating Income Full definition →		9.63	7.70	9.13	7.63
Other line items
Average Payables Full definition →		51,899.41	59,250.97	59,876.85	60,152.59
Average Assets Full definition →		61,751.88	71,010.74	72,007.86	72,309.62
Average Common Equity Full definition →		5,433.02	7,085.33	7,308.86	7,354.34

Show all line items

Columns are period end dates · fundamentals updated 2 Nov 2026

Stockrow Weekly