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UMB FINANCIAL CORP UMBF

Nasdaq · stock · National Commercial Banks · website · IPO 1980-03-17 · LEI

UMB FINANCIAL CORP statistics & valuation

Market cap$10.9B
P / E15.5×
P / B1.4×
P / FCF11.1×
Dividend yield1.25%
Return on equity9.1%
Net cash$7.3B
Enterprise value USD$3.6B
Graham number -2.6%$145.50

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($145.50); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.10% 11.30% 8.80% 9.30% 9.50% 11.20% 16.20% 11.30% 12.70% 9.10% 2016201720182019202020212022202320242025
Shares outstanding
49.7M 49.9M 49.8M 49.1M 48.3M 48.7M 48.7M 48.8M 49.1M 76.0M 2016201720182019202020212022202320242025
Net debt ($)
-$987.2M -$1.64B -$1.59B -$1.60B -$3.23B -$8.94B -$1.18B -$5.15B -$8.06B -$7.30B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 1.10% 0.80% 0.90% 0.90% 0.80% 1.10% 0.80% 0.90% 1.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.04× 0.04× 0.04× 0.03× 0.09× 0.09× 0.14× 0.12× 0.11× 0.06× 2016201720182019202020212022202320242025
EPS ($)
$3.22 $4.96 $3.93 $4.96 $5.93 $7.24 $8.86 $7.18 $8.99 $9.29 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UMB FINANCIAL CORP trades at about 16.1× earnings — above its 10-year norm (10-year range 10.2×–24×, median 13.6×).

10.2× 24×

Shaded band = 10-year range (10.2×–24×); dot = today's 16.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.0%0.9%0.8%1.1%0.8%0.9%0.9%0.8%1.1%0.8%
Return on equity9.1%12.7%11.3%16.2%11.2%9.5%9.3%8.8%11.3%8.1%
Debt / equity0.06×0.11×0.12×0.14×0.09×0.09×0.03×0.04×0.04×0.04×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.