UMB Financial (UMBF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

UMB Financial

NasdaqGS•Financial Services•Banks - Regional

$139.77+0.28(<0.01%)Pre-market

Market Cap

$10.24B

P/E

10.9x

P/S

2.4x

P/B

1.3x

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.

How this company scores

ExcellentMetricSide Score: 87/100

Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality24/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.9x5y range 6.8x – 16.0x

Currently near its 20-quarter median.

P/S · 2.4x5y range 1.3x – 3.9x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 1.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 55.8% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $10.24B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $4.36B
Q. Revenue: $1.12B
TTM EBITDA: $1.33B
TTM Op. Income: $1.19B
Q. Op. Income: $350.40M
TTM Net Income: $942.68M
Q. Net Income: $277.57M
EPS: $3.58
Shares Out.: $75.97M

$4.36B in TTM revenue grew 27.6% YoY, reaching $1.12B last quarter. TTM EBITDA of $1.33B and TTM operating income of $1.19B show growth is flowing through to the bottom line. TTM net income of $942.68M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 69.7%
EBITDA Margin: 33.5%
Op. Margin: 31.4%
Net Margin: 24.9%

Op. margin of 31.4% is up 5.7% YoY — cost efficiency is improving. Net margin at 24.9% and gross margin of 69.7% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.9x
P/S Ratio: 2.4x
P/B Ratio: 1.3x

At 10.9x P/E, the stock trades below typical market levels. P/S of 2.4x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 28% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $72.26B
Cash: $5.61B
Long-Term Debt: $480.13M
Book Value: $8.03B
D/E Ratio: 0.1
Debt/EBITDA: 1.3

With $72.26B in assets and $480.13M in long-term debt, D/E is 0.1and book value is $8.03B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $349.26M
TTM Free Cash Flow: $1.09B
FCF Margin: 25.0%
FCF / Net Income: 1.2

TTM FCF of $1.09B on $349.26M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 54% — an improving trend.