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%

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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

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

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Columns are period end dates · fundamentals updated 2 Nov 2026

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