Symbols / UMBFO Stock $26.50 +0.15% UMB Financial Corporation

Financial Services • Banks - Regional • United States • NMS
UMBFO (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. J. Mariner Kemper
Exch · Country NMS · United States
Market Cap —
Enterprise Value -1.60B
Income 860.92M
Sales 2.73B
FCF (ttm) —
Book/sh 97.41
Cash/sh 104.50
Employees 5,222
Insider 10d —
IPO May 30, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E —
Forward P/E —
PEG —
P/S —
P/B 0.27
P/C —
EV/EBITDA —
EV/Sales -0.59
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) —
EPS next Y —
EPS Growth 176.90%
Revenue Growth 49.00%
EPS Gr Q/Q 221.40%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 1.24%
ROE 12.11%
ROIC —
Gross Margin 0.00%
Oper. Margin 51.58%
Profit Margin 32.30%
Shs Outstand —
Shs Float 72.28M
Insider Own —
Instit Own —
Short Float —
Short Ratio 0.42
Short Interest 17.21K
52W High 28.05
vs 52W High -5.53%
52W Low 25.10
vs 52W Low 5.58%
Beta 0.77
Impl. Vol. —
Rel Volume 0.21
Avg Volume 18.61K
Volume 3.95K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $26.46
Price $26.50
Change 0.15%
About

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$26.50
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$26.50
Low
—
High
—
Mean
—
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
2,429.91
+65.66%
1,466.85
+10.63%
1,325.90
-2.47%
1,359.44
Operating Revenue
2,429.91
+65.66%
1,466.85
+10.63%
1,325.90
-2.47%
1,359.44
Selling General And Administration
929.57
+49.36%
622.35
+7.46%
579.17
+5.28%
550.13
Selling And Marketing Expense
45.68
+60.63%
28.44
+10.45%
25.75
+0.19%
25.70
General And Administrative Expense
883.88
+48.82%
593.91
+7.32%
553.42
+5.53%
524.43
Salaries And Wages
883.88
+48.82%
593.91
+7.32%
553.42
+5.53%
524.43
Other Gand A
—
—
—
28.97
Reconciled Depreciation
141.77
+168.65%
52.77
-10.14%
58.72
+8.70%
54.02
Net Income
702.40
+59.19%
441.24
+26.06%
350.02
-18.92%
431.68
Pretax Income
874.96
+61.65%
541.27
+28.38%
421.60
-20.75%
532.01
Net Interest Income
1,862.20
+86.05%
1,000.89
+8.78%
920.12
+0.69%
913.80
Interest Expense
1,492.08
+27.52%
1,170.12
+27.38%
918.59
+310.59%
223.72
Interest Income
3,354.28
+54.50%
2,171.01
+18.07%
1,838.70
+61.64%
1,137.52
Gain On Sale Of Security
30.97
+188.87%
10.72
+441.51%
-3.14
-105.37%
58.44
Tax Provision
172.56
+72.51%
100.03
+39.75%
71.58
-28.66%
100.33
Tax Rate For Calcs
0.00
+6.72%
0.00
+8.71%
0.00
-10.05%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
702.40
+59.19%
441.24
+26.06%
350.02
-18.92%
431.68
Net Income From Continuing Operation Net Minority Interest
702.40
+59.19%
441.24
+26.06%
350.02
-18.92%
431.68
Net Income From Continuing And Discontinued Operation
702.40
+59.19%
441.24
+26.06%
350.02
-18.92%
431.68
Net Income Continuous Operations
702.40
+59.19%
441.24
+26.06%
350.02
-18.92%
431.68
Normalized Income
702.40
+59.19%
441.24
+26.06%
350.02
-18.92%
431.68
Net Income Common Stockholders
684.62
+55.16%
441.24
+26.06%
350.02
-18.92%
431.68
Diluted NI Availto Com Stockholders
684.62
+55.16%
441.24
+26.06%
350.02
-18.92%
431.68
Amortization
93.52
+1113.77%
7.71
-10.27%
8.59
+70.48%
5.04
Amortization Of Intangibles Income Statement
93.52
+1113.77%
7.71
-10.27%
8.59
+70.48%
5.04
Depreciation Amortization Depletion Income Statement
93.52
+1113.77%
7.71
-10.27%
8.59
+70.48%
5.04
Depreciation And Amortization In Income Statement
93.52
+1113.77%
7.71
-10.27%
8.59
+70.48%
5.04
Occupancy And Equipment
138.64
+24.96%
110.94
-5.35%
117.22
-4.78%
123.11
Other Non Interest Expense
146.42
+89.39%
77.31
-39.64%
128.10
+77.53%
72.16
Preferred Stock Dividends
17.78
—
—
—
Professional Expense And Contract Services Expense
92.30
+99.76%
46.21
+54.03%
30.00
-23.27%
39.09
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
73,094.09
+45.00%
50,409.66
+14.54%
44,011.67
+14.28%
38,512.46
Cash And Cash Equivalents
7,893.08
-7.79%
8,559.44
+52.66%
5,607.00
+233.79%
1,679.79
Cash Financial
952.55
+66.19%
573.17
+28.17%
447.20
-10.68%
500.68
Other Short Term Investments
8,777.03
+12.90%
7,774.33
+9.98%
7,068.61
+0.89%
7,006.35
Receivables
586.31
+75.67%
333.76
-35.77%
519.66
+5.45%
492.81
Other Receivables
586.31
+75.67%
333.76
-35.77%
519.66
+5.45%
492.81
Net PPE
387.88
+89.54%
204.64
-3.15%
211.29
-3.06%
217.96
Gross PPE
834.93
+33.98%
623.16
+2.80%
606.18
+2.76%
589.92
Accumulated Depreciation
-447.05
-6.82%
-418.52
-5.98%
-394.89
-6.17%
-371.96
Land And Improvements
101.45
+149.86%
40.60
-1.85%
41.37
+0.00%
41.37
Buildings And Improvements
516.01
+34.72%
383.02
+3.34%
370.65
+2.57%
361.35
Machinery Furniture Equipment
—
—
—
285.83
Other Properties
217.48
+8.99%
199.54
+2.76%
194.17
+3.72%
187.21
Goodwill And Other Intangible Assets
2,337.09
+711.03%
288.16
-6.68%
308.80
-6.93%
331.79
Goodwill
1,839.83
+787.15%
207.38
+0.00%
207.38
+0.00%
207.38
Other Intangible Assets
497.26
+515.59%
80.78
-20.35%
101.42
-18.48%
124.41
Investments And Advances
19,992.82
+46.93%
13,607.48
+3.24%
13,180.58
-0.09%
13,191.81
Total Liabilities Net Minority Interest
65,400.52
+39.32%
46,943.12
+14.74%
40,911.25
+14.13%
35,845.37
Payables And Accrued Expenses
435.35
+18.16%
368.46
-5.49%
389.86
+62.70%
239.62
Current Accrued Expenses
435.35
+18.16%
368.46
-5.49%
389.86
+62.70%
239.62
Current Debt And Capital Lease Obligation
—
0.00
-100.00%
1,000.00
0.00
Current Debt
—
0.00
-100.00%
1,000.00
0.00
Other Current Borrowings
—
0.00
-100.00%
1,000.00
0.00
Long Term Debt And Capital Lease Obligation
254.19
-17.61%
308.51
-19.50%
383.25
+0.51%
381.31
Long Term Debt
254.19
-17.61%
308.51
-19.50%
383.25
+0.51%
381.31
Preferred Securities Outside Stock Equity
220.03
+186.57%
76.78
—
—
Stockholders Equity
7,693.57
+121.94%
3,466.54
+11.81%
3,100.42
+16.25%
2,667.09
Common Stock Equity
7,399.50
+113.45%
3,466.54
+11.81%
3,100.42
+16.25%
2,667.09
Capital Stock
372.73
+576.99%
55.06
+0.00%
55.06
+0.00%
55.06
Common Stock
78.67
+42.88%
55.06
+0.00%
55.06
+0.00%
55.06
Preferred Stock
294.07
0.00
—
—
Share Issued
78.67
+42.88%
55.06
+0.00%
55.06
+0.00%
55.06
Ordinary Shares Number
75.96
+55.61%
48.81
+0.54%
48.55
+0.49%
48.32
Treasury Shares Number
2.71
-56.67%
6.24
-4.00%
6.50
-3.48%
6.74
Additional Paid In Capital
4,011.05
+250.11%
1,145.64
+0.99%
1,134.36
+0.75%
1,125.95
Retained Earnings
3,736.41
+17.68%
3,174.95
+12.95%
2,810.82
+10.83%
2,536.09
Gains Losses Not Affecting Retained Earnings
-261.52
+54.36%
-573.05
-2.89%
-556.93
+20.75%
-702.74
Treasury Stock
165.10
-50.87%
336.05
-1.99%
342.89
-1.26%
347.26
Other Equity Adjustments
-261.52
+54.36%
-573.05
-2.89%
-556.93
+20.75%
-702.74
Total Equity Gross Minority Interest
7,693.57
+121.94%
3,466.54
+11.81%
3,100.42
+16.25%
2,667.09
Total Capitalization
7,947.76
+110.53%
3,775.05
+8.36%
3,483.67
+14.28%
3,048.40
Invested Capital
7,653.70
+102.74%
3,775.05
-15.80%
4,483.67
+47.08%
3,048.40
Total Debt
254.19
-17.61%
308.51
-77.70%
1,383.25
+262.76%
381.31
Net Tangible Assets
5,356.48
+68.53%
3,178.38
+13.85%
2,791.61
+19.54%
2,335.30
Tangible Book Value
5,062.42
+59.28%
3,178.38
+13.85%
2,791.61
+19.54%
2,335.30
Available For Sale Securities
5,470.91
+1177.22%
428.35
+5.70%
405.26
+31.46%
308.29
Cash Cash Equivalents And Federal Funds Sold
9,441.17
+3.70%
9,104.44
+55.57%
5,852.35
+121.82%
2,638.38
Held To Maturity Securities
5,722.54
+6.44%
5,376.27
-5.49%
5,688.61
-2.91%
5,859.19
Preferred Stock Equity
294.07
—
—
—
Trading Securities
22.33
-21.74%
28.53
+57.70%
18.09
+0.63%
17.98
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1,026.69
+355.73%
225.29
-52.33%
472.60
-38.59%
769.55
Cash Flow From Continuing Operating Activities
1,026.69
+355.73%
225.29
-52.33%
472.60
-38.59%
769.55
Net Income From Continuing Operations
702.40
+59.19%
441.24
+26.06%
350.02
-18.92%
431.68
Depreciation Amortization Depletion
141.77
+168.65%
52.77
-10.14%
58.72
+8.70%
54.02
Depreciation And Amortization
141.77
+168.65%
52.77
-10.14%
58.72
+8.70%
54.02
Other Non Cash Items
4.21
-12.58%
4.82
+3694.49%
0.13
-87.90%
1.05
Stock Based Compensation
37.74
+67.17%
22.58
+20.78%
18.69
-13.01%
21.49
Deferred Tax
82.83
+612.09%
-16.17
+20.87%
-20.44
-224.02%
-6.31
Deferred Income Tax
82.83
+612.09%
-16.17
+20.87%
-20.44
-224.02%
-6.31
Operating Gains Losses
-27.40
-2.88%
-26.64
-784.92%
-3.01
+93.83%
-48.81
Gain Loss On Investment Securities
-24.77
-17.04%
-21.16
-799.27%
3.03
+106.79%
-44.55
Unrealized Gain Loss On Investment Securities
—
—
—
—
Change In Working Capital
80.16
+122.13%
-362.26
-2187.15%
-15.84
-106.83%
232.00
Change In Receivables
-29.27
-19.00%
-24.59
+20.86%
-31.07
+46.63%
-58.22
Change In Payables And Accrued Expense
26.25
+228.33%
-20.45
-113.81%
148.15
+1447.47%
-10.99
Change In Accrued Expense
26.25
+228.33%
-20.45
-113.81%
148.15
+1447.47%
-10.99
Change In Other Working Capital
83.18
+126.22%
-317.22
-138.66%
-132.92
-144.13%
301.22
Investing Cash Flow
-5,620.10
-72.26%
-3,262.50
-156.23%
-1,273.27
+66.89%
-3,845.39
Cash Flow From Continuing Investing Activities
-5,620.10
-72.26%
-3,262.50
-156.23%
-1,273.27
+66.89%
-3,845.39
Net PPE Purchase And Sale
-48.58
-142.81%
-20.01
+13.40%
-23.10
+48.64%
-44.98
Purchase Of PPE
-48.58
-142.81%
-20.01
+13.40%
-23.10
+55.33%
-51.72
Sale Of PPE
—
4.20
+10.27%
3.81
-43.46%
6.73
Capital Expenditure
-48.58
-142.81%
-20.01
+13.40%
-23.10
+55.33%
-51.72
Net Investment Purchase And Sale
-2,407.34
-522.93%
-386.46
-347.50%
156.15
+124.36%
-640.92
Purchase Of Investment
-5,432.48
+34.98%
-8,355.14
-355.26%
-1,835.25
+18.89%
-2,262.64
Sale Of Investment
3,025.14
-62.04%
7,968.68
+300.16%
1,991.39
+22.80%
1,621.72
Net Business Purchase And Sale
169.26
+255.22%
-109.05
-13651.07%
-0.79
-100.14%
548.62
Net Other Investing Changes
-33.63
—
-3.00
—
Financing Cash Flow
3,916.69
-34.26%
5,957.65
+24.87%
4,771.05
+204.15%
-4,580.86
Cash Flow From Continuing Financing Activities
3,916.69
-34.26%
5,957.65
+24.87%
4,771.05
+204.15%
-4,580.86
Net Issuance Payments Of Debt
-200.00
+88.89%
-1,800.00
-200.00%
1,800.00
+1536.36%
110.00
Issuance Of Debt
0.00
-100.00%
500.00
-98.48%
32,856.00
+29769.09%
110.00
Repayment Of Debt
-200.00
+91.30%
-2,300.00
+92.59%
-31,056.00
0.00
Long Term Debt Issuance
—
0.00
0.00
-100.00%
110.00
Long Term Debt Payments
-200.00
0.00
0.00
—
Net Long Term Debt Issuance
-200.00
0.00
0.00
-100.00%
110.00
Short Term Debt Issuance
0.00
-100.00%
500.00
-98.48%
32,856.00
0.00
Short Term Debt Payments
0.00
+100.00%
-2,300.00
+92.59%
-31,056.00
0.00
Net Short Term Debt Issuance
0.00
+100.00%
-1,800.00
-200.00%
1,800.00
0.00
Net Common Stock Issuance
217.51
+2910.97%
-7.74
+7.52%
-8.37
+73.85%
-32.00
Common Stock Payments
-17.63
-127.81%
-7.74
+7.52%
-8.37
+73.85%
-32.00
Common Stock Dividend Paid
-135.62
-75.84%
-77.13
-3.88%
-74.25
-3.08%
-72.03
Cash Dividends Paid
-135.62
-75.84%
-77.13
-3.88%
-74.25
-3.08%
-72.03
Repurchase Of Capital Stock
-132.63
-1613.98%
-7.74
+7.52%
-8.37
+73.85%
-32.00
Proceeds From Stock Option Exercised
1.31
-72.08%
4.68
+90.37%
2.46
+15.22%
2.14
Net Other Financing Charges
-0.52
+62.92%
-1.41
—
-2.13
Changes In Cash
-676.72
-123.17%
2,920.43
-26.44%
3,970.38
+151.86%
-7,656.69
Beginning Cash Position
8,448.69
+52.83%
5,528.26
+254.86%
1,557.87
-83.09%
9,214.56
End Cash Position
7,771.97
-8.01%
8,448.69
+52.83%
5,528.26
+254.86%
1,557.87
Free Cash Flow
978.11
+376.48%
205.28
-54.33%
449.50
-37.38%
717.84
Interest Paid Supplemental Data
1,466.10
+21.70%
1,204.69
+42.67%
844.40
+329.76%
196.48
Income Tax Paid Supplemental Data
63.24
-17.79%
76.93
-3.03%
79.33
-22.18%
101.95
Common Stock Issuance
235.14
0.00
0.00
—
Excess Tax Benefit From Stock Based Compensation
—
—
—
—
Issuance Of Capital Stock
529.21
0.00
0.00
—
Net Preferred Stock Issuance
179.07
0.00
0.00
—
Preferred Stock Issuance
294.07
0.00
0.00
—
Preferred Stock Payments
-115.00
0.00
0.00
—
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