UMB Financial/$UMBF
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About UMB Financial
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
- Ticker
- $UMBF
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 5,222
- Headquarters
- Kansas City, United States
- Website
- www.umb.com
UMB Financial Metrics
BasicAdvanced
$10B
10.32
$13.20
0.83
$1.79
1.47%
Price and volume
Market cap
$10B
Beta
0.83
52-week high
$153.32
52-week low
$103.38
Average daily volume
710K
Dividend rate
$1.79
Financial strength
Profitability
Net profit margin (TTM)
35.61%
Operating margin (TTM)
48.94%
Effective tax rate (TTM)
20.21%
Revenue per employee (TTM)
$560,000
Management effectiveness
Return on assets (TTM)
1.43%
Return on equity (TTM)
13.50%
Valuation
Price to earnings (TTM)
10.316
Price to revenue (TTM)
3.568
Price to book
1.37
Price to tangible book (TTM)
1.95
Dividend yield (TTM)
1.31%
Forward dividend yield
1.47%
Growth
Revenue change (TTM)
30.63%
Earnings per share change (TTM)
48.35%
3-year revenue growth (CAGR)
27.12%
3-year earnings per share growth (CAGR)
19.21%
10-year earnings per share growth (CAGR)
16.14%
3-year dividend per share growth (CAGR)
5.60%
10-year dividend per share growth (CAGR)
6.21%
What the Analysts think about UMB Financial
Analyst ratings (Buy, Hold, Sell) for UMB Financial stock.
Analyst projections of the future price of UMB Financial stock.
Bulls say / Bears say
Second-quarter net interest income rose 14.0% year on year, while average loans grew 11.6% and reached a record $41.1 billion at quarter end. That points to strong lending demand supporting the bank’s core earnings engine. (UMB Financial Corporation)
Fee income adds another growth stream: non-interest income rose 10.5% year on year, with fund services and corporate trust among the businesses reporting strong gains. This helps UMB rely less on lending spreads alone. (UMB Financial Corporation, AlphaStreet)
Profitability improved as the efficiency ratio fell to 48.4% from 53.4% a year earlier, while common-shareholder earnings rose 26.2%. Lower acquisition-related costs contributed to the improvement after the Heartland deal. (UMB Financial Corporation)
Average deposits were flat quarter on quarter, and non-interest-bearing demand deposits fell to 25.5% of total deposits from 26.2%. Net interest income slipped 0.3% and reported net interest margin fell six basis points sequentially, highlighting pressure from funding mix and lower purchase-accounting benefits. (UMB Financial Corporation)
Credit costs and some problem-loan measures were higher than a year earlier: the provision for credit losses rose to $28 million from $21 million, and non-accrual and restructured loans increased to $127.5 million from $97 million. The quarter-on-quarter improvement in non-performing loans is encouraging, but the year-on-year comparison warrants monitoring. (Yahoo Finance)
Operating non-interest expense increased 6% from the first quarter to $398 million, with higher salaries and deferred compensation among the drivers. If that cost growth persists, it could limit the benefit of stronger revenue. (AlphaStreet)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2026.
UMB Financial Financial Performance
Revenues and expenses
UMB Financial Earnings Performance
Company profitability
Upcoming events
UMB Financial News
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Funds containing UMB Financial
AllUSDEURGBP
Fund name | Fund size | $UMBF weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | $1.1B | 1.72% |
SPDR S&P US Dividend Aristocrats€SPYD | $3.8B | 0.40% |
SPDR S&P US Dividend Aristocrats£USDV | $3.8B | 0.40% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.34% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.34% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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