profit from every $100 of sales.
$0$100
UMB Financial
$133.86+0.28% today
+22.8% in 1 year
1-year low $103.991-year high $152.04
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $14.47 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What UMB Financial sold, what it kept, and what it did with the cash.
Sales went from $1.36 billion in 2022 to $2.43 billion in 2025, with $702 million of profit last year.
SalesProfit
UMB Financial handed back 27% of the cash it generated last year.
Buybacks $133M$136M
Free cash flow 2025$978M
Bought back its own shares$133M
Paid as dividends$136M
Cash vs. debt$7.9B vs. $254M
UMB Financial vs. similar companies
UMB Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| UMB Financial | 14.5× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads UMB Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,359 | 1,326 | 1,467 | 2,430 | |
| – | – | – | – | |
| – | – | – | – | |
| 810 | 1,399 | – | – | |
| 432 | 350 | 441 | 702 | |
| 8.86 | 7.18 | 8.99 | 9.29 | |
| – | – | – | – | |
| – | – | – | – | |
| 31.8% | 26.4% | 30.1% | 28.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 38,512 | 44,012 | 50,410 | 73,094 |
| Cash | 1,680 | 5,607 | 8,559 | 7,893 |
| Total debt | 381 | 1,383 | 309 | 254 |
| Total liabilities | 35,845 | 40,911 | 46,943 | 65,401 |
| 2,667 | 3,100 | 3,467 | 7,694 | |
| 49 | 49 | 49 | 74 | |
| 19.6% | 23.6% | – | – | |
| 16.2% | 11.3% | 12.7% | 9.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 770 | 473 | 225 | 1,027 | |
| 52 | 23 | 20 | 49 | |
| 718 | 450 | 205 | 978 | |
| Dividends paid | 72 | 74 | 77 | 136 |
| 32 | 8 | 8 | 133 | |
| 21 | 19 | 23 | 38 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.5×
- 10.5×
- 9.09
- 1.3×
- 4.2×
- 6.9%
- 1.3%
Profitability
- 28.9%
- 1.0%
- 6.3%
- 11.7%
- 1.2%
Growth
- +21.4%
- +1.6%
- +5.5%
- +14.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 24%of 754
Bottom 47%of 605
Bottom 47%of 883
Top 25%of 880
Top 24%of 929
What analysts expect
- Average price target
- $150.67
- Range
- $140.00 – $170.00
- 5 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 3.41 | 2.82 | +20.9% |
| Jan 27, 2026 | 3.08 | 2.71 | +13.7% |
| Oct 28, 2025 | 2.70 | 2.50 | +8.0% |
| Jul 29, 2025 | 2.96 | 2.37 | +24.9% |
| Apr 29, 2025 | 2.58 | 2.19 | +17.8% |
| Jan 28, 2025 | 2.49 | 2.25 | +10.7% |
| Oct 29, 2024 | 2.19 | 2.20 | −0.5% |
| Jul 30, 2024 | 2.07 | 2.01 | +3.0% |
1.3%of the share price, paid each year
On $1,000 invested$13a year at today's yield, before tax
+5.5%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.95 in 2015 → $1.63 in 2025
How safe it looks
19.3% of its profit
Room to growStretchedMore than it earns: 13.9%
News
ArrowMark Financial declares $0.15 dividendSeeking Alpha · Nov 14, 2026Sagicor Financial declares $0.075 dividendSeeking Alpha · Nov 14, 2026‘She has a history of financial mismanagement’: My brother cut our sister out of his will. I’ll get everything. Do I tell her?MarketWatch · Nov 13, 2026Sumitomo Mitsui Financial GAAP EPS of ¥232.59, total operating income of ¥1.43BSeeking Alpha · Nov 13, 2026Huang's exit, AI bubble and financial crisis fears in focus on Web Summit's last dayYahoo Finance · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
58No pass
Benjamin Graham
69Pass
Philip Fisher
56No pass
Peter Lynch
34No pass
Joel Greenblatt
15No pass
Charlie Munger
45No pass
Terry Smith
46No pass
Questions about UMB Financial
Is UMB Financial a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the UMB Financial AI analysis
What does UMB Financial do?
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. It is in Banks - Regional, based in Kansas City, MO, United States, with 5,222 employees.
Does UMB Financial pay a dividend?
Yes. At today's price the dividend is 1.3% a year, about 19% of its yearly profit. In 2025 it paid out $136 million in dividends.
Is UMB Financial stock halal?
No. UMB Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has UMB Financial stock done over the past year?
Up 22.8% over the past twelve months, to $133.86. It traded between $103.99 and $152.04 and is 12.0% below its high.
Who are UMB Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with UMB Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.