UMB Financial Corporation (UMBF)

UMB Financial Statistics

Total Valuation

UMB Financial has a market cap or net worth of $8.14 billion. The enterprise value is $9.50 billion.

Market Cap	8.14B
Enterprise Value	9.50B

Important Dates

The last earnings date was Tuesday, April 29, 2025, after market close.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Jun 10, 2025

Share Statistics

UMB Financial has 75.92 million shares outstanding. The number of shares has increased by 9.00% in one year.

Current Share Class	75.92M
Shares Outstanding	75.92M
Shares Change (YoY)	+9.00%
Shares Change (QoQ)	+33.18%
Owned by Insiders (%)	3.10%
Owned by Institutions (%)	72.63%
Float	72.81M

Valuation Ratios

The trailing PE ratio is 13.91 and the forward PE ratio is 10.55.

PE Ratio	13.91
Forward PE	10.55
PS Ratio	3.42
Forward PS	3.07
PB Ratio	1.23
P/TBV Ratio	1.90
P/FCF Ratio	16.24
P/OCF Ratio	15.30
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.16
EV / Sales	5.73
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	18.95

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	6.70
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.33%.

Return on Equity (ROE)	8.33%
Return on Assets (ROA)	0.72%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$448,112
Profits Per Employee	$110,953
Employee Count	3,698
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UMB Financial has paid $88.13 million in taxes.

Income Tax	88.13M
Effective Tax Rate	17.61%

Stock Price Statistics

The stock price has increased by +30.07% in the last 52 weeks. The beta is 0.73, so UMB Financial's price volatility has been lower than the market average.

Beta (5Y)	0.73
52-Week Price Change	+30.07%
50-Day Moving Average	98.16
200-Day Moving Average	107.45
Relative Strength Index (RSI)	66.83
Average Volume (20 Days)	627,412

Short Selling Information

The latest short interest is 2.40 million, so 3.16% of the outstanding shares have been sold short.

Short Interest	2.40M
Short Previous Month	2.13M
Short % of Shares Out	3.16%
Short % of Float	3.30%
Short Ratio (days to cover)	3.38

Income Statement

In the last 12 months, UMB Financial had revenue of $1.66 billion and earned $410.31 million in profits. Earnings per share was $7.71.

Revenue	1.66B
Gross Profit	1.66B
Operating Income	544.42M
Pretax Income	460.77M
Net Income	410.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$7.71

Balance Sheet

The company has $2.00 billion in cash and $3.36 billion in debt, giving a net cash position of -$1.36 billion or -$17.89 per share.

Cash & Cash Equivalents	2.00B
Total Debt	3.36B
Net Cash	-1.36B
Net Cash Per Share	-$17.89
Equity (Book Value)	6.75B
Book Value Per Share	87.43
Working Capital	-49.44B

Cash Flow

In the last 12 months, operating cash flow was $532.16 million and capital expenditures -$30.65 million, giving a free cash flow of $501.51 million.

Operating Cash Flow	532.16M
Capital Expenditures	-30.65M
Free Cash Flow	501.51M
FCF Per Share	$6.61

Margins

Gross Margin	n/a
Operating Margin	32.85%
Pretax Margin	30.20%
Profit Margin	24.88%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.26%

Dividends & Yields

This stock pays an annual dividend of $1.60, which amounts to a dividend yield of 1.49%.

Dividend Per Share	$1.60
Dividend Yield	1.49%
Dividend Growth (YoY)	2.58%
Years of Dividend Growth	10
Payout Ratio	20.75%
Buyback Yield	-9.00%
Shareholder Yield	-7.51%
Earnings Yield	5.04%
FCF Yield	6.16%

Analyst Forecast

The average price target for UMB Financial is $123.25, which is 14.89% higher than the current price. The consensus rating is "Buy".

Price Target	$123.25
Price Target Difference	14.89%
Analyst Consensus	Buy
Analyst Count	8
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on May 31, 2006. It was a forward split with a ratio of 2:1.

Last Split Date	May 31, 2006
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4