A Business at a Glance
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UMB Financial Corporation (together with its consolidated subsidiaries, unless the context requires otherwise, the Company) is a financial holding company that is headquartered in Kansas City, Missouri. The Company provides banking services and asset servicing to its customers in the United States and around the globe. The Company was organized as a corporation under Missouri law in 1967 and is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the BHCA) and a financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the GLBA). The Company currently owns all of the outstanding stock of one national bank and several nonbank subsidiaries. On January 31, 2025, the Company acquired all of the outstanding stock of Heartland Financial USA, Inc., a Delaware corporation (HTLF), in an all-stock transaction, issuing a total of 23.6 million shares of the Company’s common stock and 4.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.1B | 4.1B | 2.8B | 2.4B | 1.7B | 1.3B |
| Net Income | 685M | 685M | 441M | 350M | 432M | 353M |
| EPS | $9.29 | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 |
| Free Cash Flow | 978M | 978M | 205M | 450M | 718M | 500M |
| ROIC | 8.4% | 11.4% | 12.0% | 10.7% | 13.4% | 10.5% |
| Gross Margin | 64.0% | 64.0% | 62.7% | 59.7% | 84.5% | 95.0% |
| Debt/Equity | 0.06 | 0.06 | 0.63 | 0.70 | 0.14 | 0.09 |
| Dividends/Share | $1.84 | $1.63 | $1.57 | $1.53 | $1.49 | $1.38 |
| Operating Income | 83M | 83M | 67M | 53M | 32M | 43M |
| Operating Margin | 2.0% | 2.0% | 2.4% | 2.2% | 1.9% | 3.2% |
| ROE | 8.9% | 12.3% | 13.4% | 12.1% | 14.9% | 11.5% |
| Shares Outstanding | 74M | 74M | 49M | 49M | 49M | 49M |
UMB FINANCIAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
UMB FINANCIAL CORP trades at 13.0x trailing earnings, compared to its 15-year median P/E of 12.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 9.4x vs a median of 10.3x. The company's 5-year average ROIC is 11.6% with a gross margin of 73.2%. Total shareholder yield (dividends + buybacks) is 1.7%. At current prices, the estimated annualized return to fair value is +9.4%.
UMB FINANCIAL CORP (UMBF) has a current P/E ratio of 13.0, compared to its historical median P/E of 12.6. The stock is currently considered Fair based on its historical valuation range.
UMB FINANCIAL CORP (UMBF) has a 5-year average return on invested capital (ROIC) of 11.6%. This indicates solid capital allocation.
UMB FINANCIAL CORP (UMBF) has a market capitalization of $8.9B. It is classified as a mid-cap stock.
Yes, UMB FINANCIAL CORP (UMBF) pays a dividend with a trailing twelve-month yield of 1.53%. The company also returns capital through share buybacks, with a buyback yield of 0.20%.
Based on historical P/E analysis, UMB FINANCIAL CORP (UMBF) appears fair. The current P/E of 13.0 is 3% above its historical median of 12.6. The estimated fair value CAGR (P/E method) is 11.0%.
UMB FINANCIAL CORP (UMBF) operates in the National Commercial Banks industry, within the Financials sector.
UMB FINANCIAL CORP (UMBF) reported annual revenue of $4.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
UMB FINANCIAL CORP (UMBF) has a net profit margin of 16.5%. This is a healthy margin.
UMB FINANCIAL CORP (UMBF) generated $978 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UMB FINANCIAL CORP (UMBF) has a debt-to-equity ratio of 0.06. This indicates a conservatively financed balance sheet.
UMB FINANCIAL CORP (UMBF) reported earnings per share (EPS) of $9.29 in its most recent fiscal year.
UMB FINANCIAL CORP (UMBF) has a return on equity (ROE) of 12.3%. This indicates moderate shareholder returns.
UMB FINANCIAL CORP (UMBF) has a 5-year average gross margin of 73.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for UMB FINANCIAL CORP (UMBF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UMB FINANCIAL CORP (UMBF) has a book value per share of $104.40, based on its most recent annual SEC filing.
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