Saturday 17 October 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. In the quarter to June 2026, revenue grew 4.12%, EPS grew 26.1%, free cash flow grew 22.3% and total debt fell 27.0%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.
131.10
0.65
−0.49%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | 39.55 | 62.27 | 57.00 | 59.88 | 39.47 | 67.33 | 76.97 | 50.68 | 76.00 | 82.00 |
Analyst estimates 2026–2028 Powerpack |
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| High | 81.11 | 81.55 | 82.14 | 71.97 | 72.76 | 109.90 | 112.24 | 92.68 | 129.94 | 126.14 | |||||
| People | |||||||||||||||
| People | Employees | 3,688 | 3,570 | 3,573 | 3,670 | 3,591 | 3,529 | 3,770 | 3,599 | 3,698 | 5,222 | ||||
| Revenue/emp, $m | 0.25 | 0.29 | 0.32 | 0.35 | 0.38 | 0.38 | 0.45 | 0.66 | 0.76 | 0.79 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | 926 | 1,040 | 1,134 | 1,290 | 1,369 | 1,329 | 1,692 | 2,381 | 2,799 | 4,144 | ||||
| Gross margin, % | 97.01 | 94.43 | 89.28 | 85.11 | 94.36 | 96.54 | 86.78 | 61.41 | 58.20 | 64.00 | |||||
| EBT | 199 | 236 | 224 | 286 | 339 | 429 | 532 | 422 | 541 | 875 | |||||
| EBT margin, % | 21.46 | 22.72 | 19.72 | 22.17 | 24.76 | 32.29 | 31.45 | 17.71 | 19.34 | 21.11 | |||||
| Net income | 159 | 247 | 196 | 244 | 287 | 353 | 432 | 350 | 441 | 702 | |||||
| Depreciation | 109 | 103 | 96 | 90 | 107 | 110 | 100 | 102 | 98 | 133 | |||||
| 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 | ||||
| Earnings | 3.25 | 5.02 | 3.97 | 4.99 | 5.95 | 7.31 | 8.93 | 7.22 | 9.05 | 9.35 | |||||
| Cash flow | 6.07 | 6.63 | 5.99 | 6.97 | 7.76 | 11.06 | 15.92 | 9.74 | 4.62 | 14.01 | |||||
| Capex | (1.01) | (0.68) | (1.07) | (1.37) | (1.07) | (0.62) | (0.93) | (0.48) | (0.41) | (0.66) | |||||
| Free cash flow | 5.07 | 5.95 | 4.93 | 5.60 | 6.69 | 10.45 | 14.99 | 9.27 | 4.21 | 13.35 | |||||
| Book value | 40.19 | 44.32 | 45.17 | 53.43 | 62.67 | 65.16 | 55.17 | 63.92 | 71.11 | 105.02 | |||||
| Shares, m | 49 | 49 | 49 | 49 | 48 | 48 | 48 | 49 | 49 | 73 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | 23.64 | 14.36 | 15.40 | 13.73 | 11.56 | 14.50 | 9.25 | 11.62 | 12.46 | 12.50 | ||||
| P/S | 4.04 | 3.41 | 2.65 | 2.60 | 2.43 | 3.86 | 2.36 | 1.71 | 1.97 | 2.03 | |||||
| P/B | 1.91 | 1.63 | 1.35 | 1.28 | 1.10 | 1.63 | 1.50 | 1.31 | 1.59 | 1.14 | |||||
| EV/Sales | 2.50 | 1.57 | 0.63 | 0.07 | (1.19) | (3.85) | 1.01 | (0.60) | (1.16) | (0.14) | |||||
| EV/FCF | 9.36 | 5.59 | 2.92 | 0.35 | (5.08) | (10.13) | 2.37 | (3.15) | (15.81) | (0.57) | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | 296 | 327 | 296 | 340 | 374 | 534 | 770 | 473 | 225 | 1,027 | ||||
| Capex | (49) | (33) | (53) | (67) | (52) | (30) | (45) | (23) | (20) | (49) | |||||
| Free cash flow | 247 | 293 | 243 | 273 | 322 | 504 | 725 | 450 | 205 | 978 | |||||
| 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) | ||||
| Total debt | 77 | 79 | 83 | 70 | 270 | 272 | 381 | 383 | 385 | 474 | |||||
| Net debt | (1,425) | (1,911) | (2,298) | (3,252) | (4,956) | (10,232) | (2,275) | (5,487) | (8,748) | (8,989) | |||||
| Shareholders’ equity | 1,962 | 2,182 | 2,228 | 2,606 | 3,017 | 3,145 | 2,667 | 3,100 | 3,467 | 7,694 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | 0.80 | 1.16 | 0.87 | 0.98 | 0.96 | 0.93 | 1.06 | 0.85 | 0.93 | 1.11 | ||||
| ROIC | 23.10 | 54.57 | 0.00 | 0.00 | 0.00 | 0.00 | 84.81 | 0.00 | 0.00 | 0.00 | |||||
| ROE | 8.24 | 11.93 | 8.87 | 10.08 | 10.19 | 11.46 | 14.85 | 12.14 | 13.44 | 12.60 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
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 | $10.8B | 15.9× | 11.3× | −39.55% (below 0%: shrinking) | n/m | +664.86% (above 0%: growing) | 52.50% | 0.00% | Compare |
| CIB Grupo Cibest S.A. - Sponsored ADR | $10.7B | 19.1× | — | +178.87% (above 0%: growing) | +85.47% (above 0%: growing) | −187.28% (below 0%: shrinking) | 71.39% | 0.00% | Compare |
| BPOP Popular, Inc. | $10.0B | 10.7× | 10.1× | +4.48% (above 0%: growing) | +40.78% (above 0%: growing) | +46.43% (above 0%: growing) | 75.20% | 0.00% | Compare |
| UMBF UMB Financial Corporation | $10.0B | 10.9× | 10.0× | +4.12% (above 0%: growing) | +26.06% (above 0%: growing) | +22.27% (above 0%: growing) | 69.66% | 0.00% | |
| SSB SouthState Bank Corporation | $9.8B | 10.7× | 10.1× | +0.83% (above 0%: growing) | +11.32% (above 0%: growing) | +408.25% (above 0%: growing) | 71.95% | 0.00% | Compare |
| WTFC Wintrust Financial Corporation | $9.7B | 11.4× | 11.7× | +5.52% (above 0%: growing) | +18.44% (above 0%: growing) | −23.80% (below 0%: shrinking) | 66.99% | 0.00% | Compare |
| CFR Cullen/Frost Bankers, Inc. | $9.6B | 14.7× | 13.2× | +0.53% (above 0%: growing) | +12.97% (above 0%: growing) | −106.23% (below 0%: shrinking) | 79.66% | 0.00% | Compare |
| ONB Old National Bancorp | $9.6B | 11.1× | 9.3× | +9.45% (above 0%: growing) | +91.18% (above 0%: growing) | +330.77% (above 0%: growing) | 69.90% | 0.00% | Compare |
| ZION Zions Bancorporation, N.A. | $9.2B | 8.1× | 9.7× | +19.18% (above 0%: growing) | +87.12% (above 0%: growing) | +518.28% (above 0%: growing) | 76.88% | 0.00% | Compare |
| Median of peers | $9.8B | 11.2× | 10.1× | +5.00% | +40.78% | +188.60% | 71.67% | 0.00% |
UMB Financial Corporation (UMBF) key facts
- Strength: UMB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, up 48.1% from fiscal 2024.
- Strength: Net income was $702.4 million, or $9.35 per share (basic), a net margin of 16.5%.
- UMB Financial Corporation (UMBF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- As of October 16, 2026, UMBF traded at $131.10, a market capitalization of $10.0 billion.
- At that price the stock trades at 10.9× trailing-twelve-month earnings and 2.3× sales; its P/E is higher than 19% of its own readings over the past ten years.
- UMB Financial Corporation pays an annual dividend of $1.36 per share, a yield of 1.04%, with a payout ratio of 11.3%.
- Return on equity was 12.6% and debt-to-equity 0.06.
- Its Piotroski F-score is 7 out of 9 for fiscal 2025.