UMBF

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UMB Financial Corp.

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Key Metrics

Previous Close: $146.10
52-Week Range: $103.38 – $153.32
Market Cap: $11.08B
P/E (TTM): 12.13
EPS (TTM): 12.02
Dividend Yield: 1.37%

Advanced Metrics

Price/Book: 1.50
PEG Ratio: 2.54
Return on Equity: 12.31%
Return on Assets: 1.31%
Gross Margin: 0.00%
Operating Margin: 51.06%
Profit Margin: 33.50%
Current Ratio: —
Debt/Equity: —
Total Debt: $3.71B
Free Cash Flow: —
Revenue Growth: 12.20%
Earnings Growth: 26.20%
Enterprise Value: $12.97B

UMBF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.36B	$1.33B	$1.47B	$2.43B
Selling, General & Admin	$550.13M	$579.17M	$622.35M	$929.57M
Pretax Income	$532.01M	$421.60M	$541.27M	$874.96M
Income Tax	$100.33M	$71.58M	$100.03M	$172.56M
Net Income	$431.68M	$350.02M	$441.24M	$702.40M
Diluted EPS	8.86	7.18	8.99	9.29
Diluted Shares	48.75M	48.76M	49.06M	73.67M

UMBF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$1.68B	$5.61B	$8.56B	$7.89B
Receivables	$492.81M	$519.66M	$333.76M	$586.31M
Total Assets	$38.51B	$44.01B	$50.41B	$73.09B
Long-Term Debt	$381.31M	$383.25M	$308.51M	$254.19M
Total Debt	$381.31M	$1.38B	$308.51M	$254.19M
Total Liabilities	$35.85B	$40.91B	$46.94B	$65.40B
Retained Earnings	$2.54B	$2.81B	$3.17B	$3.74B
Shareholders' Equity	$2.67B	$3.10B	$3.47B	$7.69B

UMBF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$769.55M	$472.60M	$225.29M	$1.03B
Capital Expenditure	-$51.72M	-$23.10M	-$20.01M	-$48.58M
Free Cash Flow	$717.84M	$449.50M	$205.28M	$978.11M
Depreciation & Amortisation	$54.02M	$58.72M	$52.77M	$141.77M
Stock-Based Compensation	$21.49M	$18.69M	$22.58M	$37.74M
Investing Cash Flow	-$3.85B	-$1.27B	-$3.26B	-$5.62B
Financing Cash Flow	-$4.58B	$4.77B	$5.96B	$3.92B
Dividends Paid	-$72.03M	-$74.25M	-$77.13M	-$135.62M
Share Repurchases	-$32.00M	-$8.37M	-$7.74M	-$132.63M
Net Change in Cash	-$7.66B	$3.97B	$2.92B	-$676.72M

UMBF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$633.21M	$621.56M	$664.95M	$685.26M	$723.08M
Selling, General & Admin	$224.90M	$231.42M	$243.85M	$233.47M	$241.08M
Pretax Income	$275.04M	$236.56M	$270.31M	$331.28M	$350.40M
Income Tax	$57.65M	$48.24M	$54.95M	$69.84M	$72.83M
Net Income	$217.39M	$188.32M	$215.35M	$261.44M	$277.57M
Diluted EPS	2.82	2.36	2.74	3.35	3.56
Diluted Shares	76.24M	76.37M	76.42M	76.40M	76.39M

UMBF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$11.11B	$8.97B	$7.89B	$6.39B	$5.73B
Receivables	$507.50M	$439.06M	$586.31M	$749.82M	$843.39M
Total Assets	$71.76B	$71.88B	$73.09B	$72.67B	$72.26B
Long-Term Debt	$439.46M	$252.40M	$254.19M	$255.99M	$257.78M
Total Debt	$439.46M	$252.40M	$254.19M	$255.99M	$257.78M
Total Liabilities	$64.47B	$64.44B	$65.40B	$64.85B	$64.22B
Retained Earnings	$3.41B	$3.56B	$3.74B	$3.96B	$4.20B
Shareholders' Equity	$7.29B	$7.44B	$7.69B	$7.83B	$8.03B

UMBF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$285.39M	$272.21M	$106.08M	$361.27M	$349.26M
Capital Expenditure	-$14.60M	-$14.40M	-$10.76M	-$4.52M	-$18.46M
Free Cash Flow	$270.78M	$257.81M	$95.32M	$356.76M	$330.80M
Depreciation & Amortisation	$37.99M	$37.01M	$37.40M	$35.09M	$35.13M
Stock-Based Compensation	$7.88M	$7.72M	$9.31M	$13.42M	$9.35M
Investing Cash Flow	-$2.00B	-$2.14B	-$2.14B	-$1.35B	-$276.45M
Financing Cash Flow	$2.10B	-$283.74M	$966.96M	-$522.21M	-$724.30M
Dividends Paid	-$32.39M	-$32.50M	-$40.61M	-$39.61M	-$38.50M
Share Repurchases	-$814.00K	-$116.30M	-$79.00K	-$32.81M	-$5.09M
Net Change in Cash	$385.82M	-$2.15B	-$1.07B	-$1.51B	-$651.49M

Market Snapshot

About

UMB Financial Corp. is a diversified financial services holding company providing banking, asset management, and healthcare payment solutions. The company operates UMB Bank with branches across several Midwestern and Western states, offering commercial and personal banking services. UMB also provides institutional investment management and healthcare payment processing through its specialized divisions.