
UMB Financial Corporation
UMBFNASDAQFinancial ServicesBanks - Regional
Previous close
$145.14
−$0.72 · -0.49%
UMBF company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
92
Deep Value
Momentum
59
Neutral
Sentiment
71
Bullish
Risk resilience
82
Low Risk
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Company profile
Company websiteUMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Comprehensive treasury management services are also available, encompassing depository functions, account reconciliation, cash management tools, accounts payable and receivable solutions, electronic funds transfers, automated payments, controlled disbursements, lockbox services, and remote deposit capture. The Institutional Banking division caters specifically to institutional clients, offering asset management and healthcare services. Its extensive offerings include fund administration and accounting, investor services, transfer agency functions, marketing and distribution support, custody, and alternative investment services. This segment also manages fixed-income sales, trading, and underwriting, alongside providing corporate trust, escrow, and institutional custody services. A notable feature of this division is its healthcare payment solutions, which incorporate custodial services for health savings accounts and versatile private-label debit cards. These solutions are extended to a diverse clientele, including insurance carriers, third-party administrators, software companies, employers, and financial institutions. For individual customers, the Personal Banking segment presents a suite of services such as deposit accounts, retail credit cards, and private banking. It also provides various loan products, including installment loans, home equity lines of credit, residential mortgages, and small business loans. These offerings are complemented by internet banking, an expansive ATM network, brokerage, insurance, advisory, and trust services. The company operates a substantial network of branches and offices across 17 states: Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. Established in 1913, UMB Financial Corporation maintains its headquarters in Kansas City, Missouri.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- J. Mariner Kemper
- Listed since
- Mar 17, 1980
- Employees
- 5,222
Market position
Day range
Current $145.14
52-week range
Current $145.14
- Open
- $147.45
- Previous close
- $145.86
- Volume
- 379.94K
- 0.56× average
- Average volume
- 679.02K
- Average daily volume
- Market cap
- 11.02B USD
- Beta
- 0.79
- Market reference 1
- 50-day average
- $143.65
- +1.04% above average
- 200-day average
- $126.11
- +15.09% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 11.58B USD
- P/E (TTM)
- 12.01×
- P/B (TTM)
- 1.37×
- P/S (TTM)
- 2.42×
- EV / EBITDA
- 10.92×
- Earnings yield
- 8.04%
- Free cash flow yield
- 11.20%
- Dividend yield
- 1.16%
Profitability & efficiency
- Gross margin
- 58.45%
- Operating margin
- 22.12%
- Net margin
- 20.67%
- Return on equity
- 9.13%
- Return on assets
- 0.96%
- Return on invested capital
- -1.25%
Financial health
- Debt / equity
- 0.44×
- Current ratio
- 0.01×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4.44B USD | 2.64B USD | 2.24B USD | 1.58B USD | 1.24B USD |
| Cost of goods sold | 2.03B USD | 1.23B USD | 959.82M USD | 261.62M USD | 66M USD |
| Gross profit | 2.42B USD | 1.41B USD | 1.28B USD | 1.32B USD | 1.18B USD |
| Selling, general, and administrative | 1.14B USD | 622.35M USD | 579.17M USD | 550.13M USD | 522.98M USD |
| Operating expenses | 1.52B USD | 864.52M USD | 863.07M USD | 789.53M USD | 746.93M USD |
| Interest income | 4.06B USD | 2.17B USD | 1.84B USD | 1.14B USD | 861.52M USD |
| Interest expense | 1.49B USD | 1.17B USD | 918.59M USD | 223.72M USD | 46M USD |
| Depreciation and amortization | 160.18M USD | 52.77M USD | 58.72M USD | 54.02M USD | 55.75M USD |
| Operating income | 899.96M USD | 541.27M USD | 421.6M USD | 532.01M USD | 429.06M USD |
| Net income | 702.4M USD | 441.24M USD | 350.02M USD | 431.68M USD | 353.02M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 91%
- 10 beats, 1 miss, 0 met estimates
- Average EPS surprise
- +15.53%
- 11 comparable reports
- Latest EPS result
- 3.57
- Estimate 3.12 · Beat by 14.42%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
18 ratingsUMBF peers
ETFs holding UMBF
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Mid-Cap ETFIJH375.36M0.29%125.92B USD0.05%$76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI317.17M0.01%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM278.14M0.34%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB229.03M0.12%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR145.51M0.21%68.3B USD0.05%$249.18+0.68%
Vanguard Extended Market ETFVXF119.85M0.12%93.7B USD0.05%$245.53+0.82%
First Trust SMID Cap Rising Dividend Achievers ETFSDVY113.78M0.98%11.64B USD0.58%$43.87+0.46%
State Street SPDR S&P Dividend ETFSDY96.99M0.44%22.07B USD0.35%$158.44+0.23%
iShares Core S&P Mid-Cap ETFIJH- Market value
- 375.36M
- Weight
- 0.29%
- AUM
- 125.92B USD
- Expense ratio
- 0.05%
- Price / 1D
- $76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 317.17M
- Weight
- 0.01%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 278.14M
- Weight
- 0.34%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 229.03M
- Weight
- 0.12%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 145.51M
- Weight
- 0.21%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
Vanguard Extended Market ETFVXF- Market value
- 119.85M
- Weight
- 0.12%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
First Trust SMID Cap Rising Dividend Achievers ETFSDVY- Market value
- 113.78M
- Weight
- 0.98%
- AUM
- 11.64B USD
- Expense ratio
- 0.58%
- Price / 1D
- $43.87+0.46%
State Street SPDR S&P Dividend ETFSDY- Market value
- 96.99M
- Weight
- 0.44%
- AUM
- 22.07B USD
- Expense ratio
- 0.35%
- Price / 1D
- $158.44+0.23%
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