UMB Financial/$UMBF
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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
11.19
$11.99
0.79
$1.69
1.28%
Price and volume
Market cap
$10B
Beta
0.79
52-week high
$153.32
52-week low
$103.38
Average daily volume
500K
Dividend rate
$1.69
Financial strength
Dividend payout ratio (TTM)
16.04%
Profitability
Net profit margin (TTM)
33.50%
Operating margin (TTM)
46.73%
Effective tax rate (TTM)
20.69%
Revenue per employee (TTM)
$540,000
Management effectiveness
Return on assets (TTM)
1.31%
Return on equity (TTM)
12.31%
Valuation
Price to earnings (TTM)
11.188
Price to revenue (TTM)
3.625
Price to book
1.32
Price to tangible book (TTM)
1.87
Price to free cash flow (TTM)
9.8
Free cash flow yield (TTM)
10.20%
Free cash flow per share (TTM)
13.693
Dividend yield (TTM)
1.26%
Forward dividend yield
1.28%
Growth
Revenue change (TTM)
44.35%
Earnings per share change (TTM)
37.29%
3-year revenue growth (CAGR)
26.16%
3-year earnings per share growth (CAGR)
16.33%
10-year earnings per share growth (CAGR)
16.68%
3-year dividend per share growth (CAGR)
3.83%
10-year dividend per share growth (CAGR)
5.71%
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
UMB delivered strong second-quarter execution: revenue increased 12.9% year over year, GAAP earnings available to common shareholders rose 26.2%, and operating efficiency improved to 48.4%. (UMB Financial)
Loan growth is robust and concentrated in commercial lending, with average loans up 11.6% year over year and commercial-and-industrial loans up 22.5%; net interest income increased 14.0% year over year. (SEC)
The company is returning more capital while maintaining strong capitalization: the board raised the common dividend 16.3% to $0.50 per share, and regulatory capital ratios remained above all well-capitalized thresholds. (UMB Financial)
Commercial real estate remains a material concentration at approximately 40.3% of total loans, and UMB explicitly notes that repayment can be pressured by adverse real-estate or economic conditions, including weakness in office properties. (SEC)
Credit costs are trending higher: second-quarter provision expense rose to $28.0 million from $21.0 million a year earlier, even though nonperforming loans improved. This creates a risk that rapid loan growth could eventually produce higher loss provisions. (UMB Financial)
Some recent earnings support came from gains on equity positions in UMB’s private investment portfolio, a potentially volatile source of income rather than recurring banking revenue. In addition, average deposits were flat sequentially while loans continued to grow, which could increase future funding pressure. (UMB Financial; SEC)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 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
AllEURGBPUSD
Fund name | Fund size | $UMBF weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | €1B | 1.55% |
SPDR S&P US Dividend Aristocrats€SPYD | €3.3B | 0.43% |
SPDR S&P US Dividend Aristocrats£USDV | £2.8B | 0.43% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.34% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.3B | 0.28% |
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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