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UMB Financial Corporation

UMBF

NASDAQFinancial ServicesBanks - Regional

Previous close

$145.14

−$0.72 · -0.49%

Aug 21, 4:00 PM ET

UMBF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

UMB 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%71%39%8%Gross margin, FY2021: 94.69%Gross margin, FY2022: 83.47%Gross margin, FY2023: 57.24%Gross margin, FY2024: 53.31%Gross margin, FY2025: 54.41%Operating margin, FY2021: 34.55%Operating margin, FY2022: 33.60%Operating margin, FY2023: 18.78%Operating margin, FY2024: 20.53%Operating margin, FY2025: 20.25%Net margin, FY2021: 28.42%Net margin, FY2022: 27.27%Net margin, FY2023: 15.59%Net margin, FY2024: 16.73%Net margin, FY2025: 15.81%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.69%. Gross margin FY2022 83.47%. Gross margin FY2023 57.24%. Gross margin FY2024 53.31%. Gross margin FY2025 54.41%. Operating margin FY2021 34.55%. Operating margin FY2022 33.60%. Operating margin FY2023 18.78%. Operating margin FY2024 20.53%. Operating margin FY2025 20.25%. Net margin FY2021 28.42%. Net margin FY2022 27.27%. Net margin FY2023 15.59%. Net margin FY2024 16.73%. Net margin FY2025 15.81%.

Income trends

Revenue

4.44B USD+68.52%

Operating income

899.96M USD+66.27%

Net income

702.4M USD+59.19%
Income trends across reported periods4.85B USD3.22B USD1.58B USD−59.35M USDRevenue, FY2021: 1.24B USDRevenue, FY2022: 1.58B USDRevenue, FY2023: 2.24B USDRevenue, FY2024: 2.64B USDRevenue, FY2025: 4.44B USDOperating income, FY2021: 429.06M USDOperating income, FY2022: 532.01M USDOperating income, FY2023: 421.6M USDOperating income, FY2024: 541.27M USDOperating income, FY2025: 899.96M USDNet income, FY2021: 353.02M USDNet income, FY2022: 431.68M USDNet income, FY2023: 350.02M USDNet income, FY2024: 441.24M USDNet income, FY2025: 702.4M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.24B USD. Revenue FY2022 1.58B USD. Revenue FY2023 2.24B USD. Revenue FY2024 2.64B USD. Revenue FY2025 4.44B USD. Operating income FY2021 429.06M USD. Operating income FY2022 532.01M USD. Operating income FY2023 421.6M USD. Operating income FY2024 541.27M USD. Operating income FY2025 899.96M USD. Net income FY2021 353.02M USD. Net income FY2022 431.68M USD. Net income FY2023 350.02M USD. Net income FY2024 441.24M USD. Net income FY2025 702.4M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue4.44B USD2.64B USD2.24B USD1.58B USD1.24B USD
Cost of goods sold2.03B USD1.23B USD959.82M USD261.62M USD66M USD
Gross profit2.42B USD1.41B USD1.28B USD1.32B USD1.18B USD
Selling, general, and administrative1.14B USD622.35M USD579.17M USD550.13M USD522.98M USD
Operating expenses1.52B USD864.52M USD863.07M USD789.53M USD746.93M USD
Interest income4.06B USD2.17B USD1.84B USD1.14B USD861.52M USD
Interest expense1.49B USD1.17B USD918.59M USD223.72M USD46M USD
Depreciation and amortization160.18M USD52.77M USD58.72M USD54.02M USD55.75M USD
Operating income899.96M USD541.27M USD421.6M USD532.01M USD429.06M USD
Net income702.4M USD441.24M USD350.02M USD431.68M USD353.02M 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

ActualEstimate
Quarterly EPS actual values compared with estimates3.713.162.62.05Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 2.49, estimate 2.25, surprise +10.67%, Beat. Q2 2025, reported Apr 29, 2025: actual 2.58, estimate 2.19, surprise +17.81%, Beat. Q3 2025, reported Jul 29, 2025: actual 2.96, estimate 2.37, surprise +24.89%, Beat. Q4 2025, reported Oct 28, 2025: actual 2.7, estimate 2.5, surprise +8.00%, Beat. Q1 2026, reported Jan 27, 2026: actual 3.08, estimate 2.71, surprise +13.65%, Beat. Q2 2026, reported Apr 28, 2026: actual 3.41, estimate 2.82, surprise +20.92%, Beat. Q3 2026, reported Jul 28, 2026: actual 3.57, estimate 3.12, surprise +14.42%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 3.22, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.14B874.82M606.8M338.77MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 394.22M USD, estimate 412.27M USD, surprise -4.38%, Miss. Q2 2025, reported Apr 29, 2025: actual 510.19M USD, estimate 559.01M USD, surprise -8.73%, Miss. Q3 2025, reported Jul 29, 2025: actual 633.21M USD, estimate 652M USD, surprise -2.88%, Miss. Q4 2025, reported Oct 28, 2025: actual 1.09B USD, estimate 661.56M USD, surprise +64.37%, Beat. Q1 2026, reported Jan 27, 2026: actual 720.87M USD, estimate 677.77M USD, surprise +6.36%, Beat. Q2 2026, reported Apr 28, 2026: actual 739.16M USD, estimate 701.79M USD, surprise +5.32%, Beat. Q3 2026, reported Jul 28, 2026: actual 778M USD, estimate 727.63M USD, surprise +6.92%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 739.99M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

18 ratings
Strong buy16%
Buy950%
Hold844%
Sell00%
Strong sell00%

UMBF peers

ETFs holding UMBF

Funds reporting this stock among their holdings, ordered by reported position size.

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