profit from every $100 of sales.
$0$100
UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B
$25.30+0.60% today
-5.7% in 1 year
1-year low $25.031-year high $27.50
Trading close to its lowest price of 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 $5.92 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 Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B 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 Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B 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
AI analysis
An AI analyst reads UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B'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 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 432 | 350 | 441 | 702 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 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 | |
| – | – | – | – | |
| – | – | – | – | |
| 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
- 5.9×
- –
- –
- –
- –
- 16.9%
- –
Profitability
- 28.9%
- –
- 0.0%
- –
- –
Growth
- +21.4%
- –
- –
- +0.0%
News
Financial stocks retain strong Quant ratings despite YTD declinesSeeking Alpha · Nov 11, 2026E-L Financial Corporation Limited PFD 1ST SER 3 declares CAD 0.3438 dividendSeeking Alpha · Nov 11, 2026E-L Financial Corporation Limited PFD 1ST SER 1 declares CAD 0.3312 dividendSeeking Alpha · Nov 11, 2026E-L Financial declares CAD 0.04 dividendSeeking Alpha · Nov 11, 2026E-L Financial Corporation Limited PFD 4.75% SR 2 declares CAD 0.2968 dividendSeeking Alpha · Nov 11, 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.
Not enough data
Questions about UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B
Is UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B a good stock to buy?
A strong, very profitable business, and the price looks low. 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 Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B AI analysis
What does UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B do?
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. It is in NATIONAL COMMERCIAL BANKS.
Does UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B pay a dividend?
Yes. In 2025 it paid out $136 million in dividends.
Is UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B stock halal?
No. UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B does not pass our halal screen: its main business, banking, is not permitted. How we check
How has UMB Financial Corporation Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B stock done over the past year?
Down 5.7% over the past twelve months, to $25.30. It traded between $25.03 and $27.50 and is 8.0% below its high.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.