UMB Financial/$UMBF
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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
Primary listing
Employees
3,698
Headquarters
Website
UMB Financial Metrics
BasicAdvanced
$8.6B
13.00
$8.74
0.74
$1.60
1.41%
Price and volume
Market cap
$8.6B
Beta
0.74
52-week high
$126.60
52-week low
$82.00
Average daily volume
447K
Dividend rate
$1.60
Financial strength
Dividend payout ratio (TTM)
19.13%
Profitability
Net profit margin (TTM)
27.10%
Operating margin (TTM)
37.07%
Effective tax rate (TTM)
18.53%
Revenue per employee (TTM)
$530,000
Management effectiveness
Return on assets (TTM)
0.91%
Return on equity (TTM)
10.05%
Valuation
Price to earnings (TTM)
12.999
Price to revenue (TTM)
3.476
Price to book
1.25
Price to tangible book (TTM)
1.9
Price to free cash flow (TTM)
10.218
Free cash flow yield (TTM)
9.79%
Free cash flow per share (TTM)
11.115
Dividend yield (TTM)
1.41%
Forward dividend yield
1.41%
Growth
Revenue change (TTM)
31.18%
Earnings per share change (TTM)
12.71%
3-year revenue growth (CAGR)
12.43%
3-year earnings per share growth (CAGR)
0.81%
10-year earnings per share growth (CAGR)
12.21%
3-year dividend per share growth (CAGR)
2.42%
10-year dividend per share growth (CAGR)
5.51%
What the Analysts think about UMB Financial
Analyst ratings (Buy, Hold, Sell) for UMB Financial stock.
Bulls say / Bears say
Average loans rose 52.9% from the previous year to $36.4 billion in Q2 2025, supported by organic growth and the Heartland acquisition, boosting interest-earning assets. (Business Wire)
Net interest margin widened by 14 basis points sequentially to 3.10% in Q2 2025 due to higher loan yields and purchase accounting accretion from the HTLF franchise. (Business Wire)
Net operating income per diluted share jumped 112.9% year-over-year to $2.96 in Q2 2025, beating the consensus of $2.37 and reflecting strong profitability. (Business Wire)
Credit quality deteriorated, as net charge-offs rose to 0.17% of average loans in Q2 2025 from 0.05% a year ago, and nonperforming loans increased to 26 basis points of total loans. (Nasdaq)
Operating non-interest expenses surged 56.3% year-over-year to $380 million in Q2 2025, increasing cost pressures despite improved efficiency. (Nasdaq)
Full systems integration for the Heartland franchise won't be completed until Q4 2025, leaving ongoing operational and service-disruption risks. (Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
UMB Financial Financial Performance
Revenues and expenses
UMB Financial Earnings Performance
Company profitability
UMB Financial News
AllArticlesVideos
UMB Announces Conference Call to Discuss Third Quarter 2025 Results
Business Wire3 weeks ago
UMB Healthcare Services Completes Acquisition of Health Savings Account Portfolio from Old National Bank
Business Wire2 months ago
Regional-bank stocks are catching up to larger rivals. How to play the sector from here.
Market Watch2 months ago
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for UMB Financial stock?
UMB Financial (UMBF) has a market cap of $8.6B as of October 27, 2025.
What is the P/E ratio for UMB Financial stock?
The price to earnings (P/E) ratio for UMB Financial (UMBF) stock is 13 as of October 27, 2025.
Does UMB Financial stock pay dividends?
Yes, the UMB Financial (UMBF) stock pays dividends to shareholders. As of October 27, 2025, the dividend rate is $1.6 and the yield is 1.41%. UMB Financial has a payout ratio of 19.13% on a trailing twelve-month basis.
When is the next UMB Financial dividend payment date?
The next UMB Financial (UMBF) dividend payment date is unconfirmed.
What is the beta indicator for UMB Financial?
UMB Financial (UMBF) has a beta rating of 0.74. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.