UMB Financial Corporation UMBF

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Price alert · UMBF

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134.47 USD -1.69 -1.24%

At close · Oct 30

134.47 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
134.42 × 2
Ask
134.55 × 2
133.34 Day range 136.55
103.99 52-week range 152.04
YTD
+16.89%
1 year
+25.07%
Open
136.20
Prev close
136.16
Mkt cap
10.21B
Vol
616.13K
Avg vol
609.88K
EPS
13.22
P/E
10.17
Div yield
1.47%
More statistics
Low
133.34
High
136.55
Forward P/E
9.54
Beta
0.83
Short ratio
5.66
Inst. own
98.11%
Dividend
2.00
Ex-div date
Dec 9, 2026
Earnings
Jan 26, 2027
50-d avg
135.94
200-d avg
131.23
1y target
160.44

5D chart

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Interval

Events in this range
  • Oct 27, 2026Earnings: 3.56; estimate 3.22; surprise 10.56%
  • Oct 29, 2026Rating: Piper Sandler · Overweight → Overweight
  • Oct 29, 2026Rating: TD Cowen · Buy → Buy
  • Oct 29, 2026Rating: Citigroup · Neutral → Neutral
Signals (102)
NameTimeAgo
RSI: OverboughtOct 29, 3:35 PM2 days ago
SMA: BullishOct 29, 3:00 PM2 days ago
MACD: Buy SignalOct 29, 2:50 PM2 days ago
SMA: BullishOct 29, 2:45 PM2 days ago
SMA: BullishOct 29, 2:10 PM2 days ago
SMA: BearishOct 29, 12:40 PM2 days ago
SMA: BearishOct 29, 12:40 PM2 days ago
SMA: BullishOct 29, 12:15 PM2 days ago
SMA: BearishOct 29, 11:55 AM2 days ago
SMA: BearishOct 29, 11:30 AM2 days ago
SMA: BullishOct 29, 11:25 AM2 days ago
SMA: BearishOct 29, 11:15 AM2 days ago
SMA: BullishOct 29, 11:00 AM2 days ago
SMA: BearishOct 29, 10:55 AM2 days ago
SMA: BullishOct 29, 10:35 AM2 days ago
MACD: Sell SignalOct 29, 10:30 AM2 days ago
SMA: BearishOct 29, 10:10 AM2 days ago
RSI: OverboughtOct 29, 9:30 AM2 days ago
SMA: BullishOct 28, 3:50 PM3 days ago
SMA: BullishOct 28, 3:40 PM3 days ago
SMA: BearishOct 28, 3:20 PM3 days ago
MACD: Buy SignalOct 28, 2:50 PM3 days ago
SMA: BullishOct 28, 2:40 PM3 days ago
RSI: OversoldOct 28, 2:15 PM3 days ago
SMA: BearishOct 28, 1:55 PM3 days ago
MACD: Sell SignalOct 28, 1:55 PM3 days ago
SMA: BullishOct 28, 1:45 PM3 days ago
SMA: BearishOct 28, 1:40 PM3 days ago
SMA: BearishOct 28, 1:35 PM3 days ago
SMA: BullishOct 28, 1:30 PM3 days ago
SMA: BearishOct 28, 1:25 PM3 days ago
SMA: BullishOct 28, 1:20 PM3 days ago
SMA: BearishOct 28, 1:15 PM3 days ago
SMA: BullishOct 28, 12:40 PM3 days ago
SMA: BullishOct 28, 12:30 PM3 days ago
SMA: BearishOct 28, 12:10 PM3 days ago
SMA: BullishOct 28, 12:05 PM3 days ago
SMA: BearishOct 28, 12:00 PM3 days ago
SMA: BullishOct 28, 11:55 AM3 days ago
SMA: BearishOct 28, 11:40 AM3 days ago
SMA: BullishOct 28, 11:30 AM3 days ago
SMA: BearishOct 28, 11:25 AM3 days ago
MACD: Buy SignalOct 28, 11:20 AM3 days ago
SMA: BullishOct 28, 11:15 AM3 days ago
MACD: Sell SignalOct 28, 9:55 AM3 days ago
SMA: BearishOct 28, 9:50 AM3 days ago
SMA: BearishOct 28, 9:45 AM3 days ago
SMA: BullishOct 28, 9:30 AM3 days ago
SMA: BullishOct 28, 9:30 AM3 days ago
MACD: Buy SignalOct 28, 9:30 AM3 days ago
RSI: OverboughtOct 28, 9:30 AM3 days ago
MACD: Sell SignalOct 27, 3:55 PM4 days ago
SMA: BearishOct 27, 3:50 PM4 days ago
MACD: Buy SignalOct 27, 3:30 PM4 days ago
SMA: BullishOct 27, 3:25 PM4 days ago
SMA: BearishOct 27, 2:35 PM4 days ago
SMA: BullishOct 27, 2:30 PM4 days ago
SMA: BearishOct 27, 1:50 PM4 days ago
SMA: BearishOct 27, 1:45 PM4 days ago
SMA: BullishOct 27, 1:15 PM4 days ago
SMA: BullishOct 27, 1:10 PM4 days ago
SMA: BearishOct 27, 1:05 PM4 days ago
MACD: Sell SignalOct 27, 1:05 PM4 days ago
SMA: BullishOct 27, 11:20 AM4 days ago
SMA: BullishOct 27, 11:15 AM4 days ago
SMA: BearishOct 27, 10:55 AM4 days ago
SMA: BullishOct 27, 10:50 AM4 days ago
SMA: BearishOct 27, 10:45 AM4 days ago
SMA: BullishOct 27, 10:40 AM4 days ago
MACD: Buy SignalOct 27, 10:40 AM4 days ago
SMA: BullishOct 27, 10:35 AM4 days ago
SMA: BearishOct 27, 10:20 AM4 days ago
SMA: BearishOct 27, 10:20 AM4 days ago
MACD: Sell SignalOct 27, 10:20 AM4 days ago
SMA: BullishOct 27, 10:15 AM4 days ago
SMA: BullishOct 27, 10:15 AM4 days ago
MACD: Buy SignalOct 27, 10:15 AM4 days ago
SMA: BearishOct 27, 9:50 AM4 days ago
MACD: Sell SignalOct 27, 9:50 AM4 days ago
SMA: BullishOct 27, 9:45 AM4 days ago
MACD: Buy SignalOct 27, 9:45 AM4 days ago
MACD: Sell SignalOct 27, 9:30 AM4 days ago
SMA: BearishOct 26, 3:45 PM5 days ago
SMA: BearishOct 26, 3:35 PM5 days ago
SMA: BullishOct 26, 3:20 PM5 days ago
SMA: BullishOct 26, 3:15 PM5 days ago
MACD: Buy SignalOct 26, 3:15 PM5 days ago
MACD: Sell SignalOct 26, 2:55 PM5 days ago
SMA: BearishOct 26, 2:50 PM5 days ago
SMA: BullishOct 26, 2:45 PM5 days ago
SMA: BearishOct 26, 2:30 PM5 days ago
SMA: BullishOct 26, 2:25 PM5 days ago
MACD: Buy SignalOct 26, 2:25 PM5 days ago
MACD: Sell SignalOct 26, 2:10 PM5 days ago
SMA: BearishOct 26, 1:35 PM5 days ago
SMA: BullishOct 26, 1:25 PM5 days ago
SMA: BearishOct 26, 12:30 PM5 days ago
SMA: BullishOct 26, 12:05 PM5 days ago
SMA: BearishOct 26, 11:45 AM5 days ago
SMA: BullishOct 26, 11:40 AM5 days ago
SMA: BearishOct 26, 11:35 AM5 days ago
SMA: BullishOct 26, 11:10 AM5 days ago

Financial health

Altman Z-Score

-0.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 12.5×
FY 2016: 23.7×FY 2017: 14.3×FY 2018: 15.4×FY 2019: 13.8×FY 2020: 11.6×FY 2021: 14.5×FY 2022: 9.4×FY 2023: 11.6×FY 2024: 12.5×FY 2025: 12.5×
FY 2016 5y median 12.5× FY 2025
P/S 2.0×
FY 2016: 4.3×FY 2017: 3.6×FY 2018: 2.8×FY 2019: 2.7×FY 2020: 2.6×FY 2021: 4.1×FY 2022: 2.6×FY 2023: 1.8×FY 2024: 2.1×FY 2025: 2.0×
FY 2016 5y median 2.1× FY 2025
P/B 1.1×
FY 2016: 1.9×FY 2017: 1.6×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 1.6×FY 2022: 1.5×FY 2023: 1.3×FY 2024: 1.6×FY 2025: 1.1×
FY 2016 5y median 1.5× FY 2025
P/FCF 8.9×
FY 2016: 15.3×FY 2017: 12.2×FY 2018: 12.7×FY 2019: 12.5×FY 2020: 10.6×FY 2021: 10.2×FY 2022: 5.6×FY 2023: 9.1×FY 2024: 27.4×FY 2025: 8.9×
FY 2016 5y median 9.1× FY 2025
EV/EBITDA 11.1×
FY 2016: 18.0×FY 2017: 10.8×FY 2018: 10.5×FY 2019: 10.6×FY 2020: 5.9×FY 2021: -1.3×FY 2022: 8.5×FY 2023: 4.1×FY 2024: -0.1×FY 2025: 11.1×
FY 2016 5y median 4.1× FY 2025
EV/Sales 2.6×
FY 2016: 5.3×FY 2017: 3.2×FY 2018: 2.7×FY 2019: 3.0×FY 2020: 1.8×FY 2021: -0.5×FY 2022: 3.1×FY 2023: 0.9×FY 2024: -0.0×FY 2025: 2.6×
FY 2016 5y median 0.9× FY 2025
FCF Yield 11.2%
FY 2016: 6.5%FY 2017: 8.2%FY 2018: 7.9%FY 2019: 8.0%FY 2020: 9.4%FY 2021: 9.8%FY 2022: 17.8%FY 2023: 11.0%FY 2024: 3.7%FY 2025: 11.2%
FY 2016 5y median 11.0% FY 2025

Profitability

Gross Margin 54.4%
FY 2016: 93.1%FY 2017: 89.9%FY 2018: 82.0%FY 2019: 81.6%FY 2020: 84.0%FY 2021: 94.7%FY 2022: 83.5%FY 2023: 57.2%FY 2024: 53.3%FY 2025: 54.4%
FY 2016 5y median 57.2% FY 2025
Operating Margin 20.3%
FY 2016: 22.9%FY 2017: 24.1%FY 2018: 20.9%FY 2019: 23.4%FY 2020: 26.2%FY 2021: 34.5%FY 2022: 33.6%FY 2023: 18.8%FY 2024: 20.5%FY 2025: 20.3%
FY 2016 5y median 20.5% FY 2025
Net Margin 15.8%
FY 2016: 18.3%FY 2017: 25.2%FY 2018: 18.3%FY 2019: 20.0%FY 2020: 22.1%FY 2021: 28.4%FY 2022: 27.3%FY 2023: 15.6%FY 2024: 16.7%FY 2025: 15.8%
FY 2016 5y median 16.7% FY 2025
ROE 9.1%
FY 2016: 8.1%FY 2017: 11.3%FY 2018: 8.8%FY 2019: 9.3%FY 2020: 9.5%FY 2021: 11.2%FY 2022: 16.2%FY 2023: 11.3%FY 2024: 12.7%FY 2025: 9.1%
FY 2016 5y median 11.3% FY 2025
ROIC -1.2%
FY 2016: 3.9%FY 2017: 5.1%FY 2018: 5.0%FY 2019: 5.2%FY 2020: 5.0%FY 2021: 5.2%FY 2022: 7.7%FY 2023: 4.5%FY 2024: 6.4%FY 2025: -1.2%
FY 2016 5y median 5.2% FY 2025
ROA 1.0%
FY 2016: 0.8%FY 2017: 1.1%FY 2018: 0.8%FY 2019: 0.9%FY 2020: 0.9%FY 2021: 0.8%FY 2022: 1.1%FY 2023: 0.8%FY 2024: 0.9%FY 2025: 1.0%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 68.5%
FY 2016: 16.6%FY 2017: 12.6%FY 2018: 9.2%FY 2019: 14.1%FY 2020: 6.2%FY 2021: -4.1%FY 2022: 27.5%FY 2023: 41.8%FY 2024: 17.5%FY 2025: 68.5%
FY 2016 FY 2025
Operating Income 66.3%
FY 2016: 54.8%FY 2017: 19.0%FY 2018: -5.4%FY 2019: 27.9%FY 2020: 18.5%FY 2021: 26.6%FY 2022: 24.0%FY 2023: -20.8%FY 2024: 28.4%FY 2025: 66.3%
FY 2016 FY 2025
EPS (diluted) 1.6%
FY 2016: 32.0%FY 2017: 54.0%FY 2018: -20.8%FY 2019: 26.2%FY 2020: 19.6%FY 2021: 22.1%FY 2022: 22.4%FY 2023: -19.0%FY 2024: 25.2%FY 2025: 1.6%
FY 2016 FY 2025
Free Cash Flow 386.4%
FY 2016: 56.2%FY 2017: 18.1%FY 2018: -18.0%FY 2019: 12.6%FY 2020: 17.1%FY 2021: 59.7%FY 2022: 43.5%FY 2023: -37.9%FY 2024: -54.9%FY 2025: 386.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.5×
FY 2016: 1.0×FY 2017: 0.6×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 0.5×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 2.7×
FY 2016: 3.1×FY 2017: -1.4×FY 2018: -0.3×FY 2019: 0.8×FY 2020: -2.4×FY 2021: -11.9×FY 2022: 1.6×FY 2023: -4.4×FY 2024: -9.4×FY 2025: 2.7×
FY 2016 5y median -4.4× FY 2025
Interest Coverage 0.6×
FY 2016: 7.2×FY 2017: 4.1×FY 2018: 1.8×FY 2019: 1.5×FY 2020: 4.4×FY 2021: 9.3×FY 2022: 2.4×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 1.6%
FY 2016: 1.3%FY 2017: 1.5%FY 2018: 1.9%FY 2019: 1.8%FY 2020: 1.8%FY 2021: 1.3%FY 2022: 1.8%FY 2023: 1.8%FY 2024: 1.4%FY 2025: 1.6%
FY 2016 5y median 1.6% FY 2025
Payout Ratio 19.3%
FY 2016: 30.9%FY 2017: 21.0%FY 2018: 29.8%FY 2019: 24.4%FY 2020: 21.0%FY 2021: 18.9%FY 2022: 16.7%FY 2023: 21.2%FY 2024: 17.5%FY 2025: 19.3%
FY 2016 5y median 18.9% FY 2025

Annual · latest fiscal year ends 2025-12-31