UMB Financial(DE:UMB)
€121.00-1.00 (-0.82%)
DE:UMB
UMB Financial financials statements
€121.00
At close:-1.00 (-0.82%)
UMB Financial (UMB) Ratios
2 Followers
UMB Financial Ratios
DE:UMB's free cash flow for Q3 2026 was $358.89M. For the 2026 fiscal year, DE:UMB's free cash flow was decreased by $-11.55M and operating cash flow was $370.44M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.01 | 0.36 | 0.34 | 0.26 | 0.55 |
| Quick Ratio | 0.01 | 0.36 | 0.34 | 0.26 | 0.55 |
| Cash Ratio | 0.01 | 0.19 | 0.14 | 0.05 | 0.24 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.00 | 0.01 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.31 | 0.09 | 0.15 | 0.35 | 0.16 |
| Net Current Asset Value | $ -64.45B | $ -30.18B | $ -27.72B | $ -26.67B | $ -17.90B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.06 | 0.08 | 0.07 | 0.08 |
| Debt-to-Equity Ratio | 0.49 | 0.86 | 1.13 | 0.98 | 1.12 |
| Debt-to-Capital Ratio | 0.33 | 0.46 | 0.53 | 0.49 | 0.53 |
| Long-Term Debt-to-Capital Ratio | 0.06 | 0.10 | 0.11 | 0.13 | 0.08 |
| Financial Leverage Ratio | 9.50 | 14.54 | 14.20 | 14.44 | 13.57 |
| Debt Service Coverage Ratio | 0.18 | 0.13 | 0.10 | 0.20 | 0.12 |
| Interest Coverage Ratio | 0.60 | 0.46 | 0.46 | 2.38 | 9.33 |
| Debt to Market Cap | 0.43 | 0.54 | 0.86 | 0.64 | 0.69 |
| Interest Debt Per Share | 69.69 | 85.44 | 91.16 | 58.48 | 73.67 |
| Net Debt to EBITDA | 2.73 | -9.37 | -4.38 | 1.58 | -11.85 |
| Profitability Margins | |||||
| Gross Profit Margin | 54.41% | 53.31% | 57.24% | 83.47% | 94.69% |
| EBIT Margin | 20.25% | 20.53% | 18.78% | 33.60% | 34.55% |
| EBITDA Margin | 23.44% | 22.53% | 21.40% | 37.02% | 39.03% |
| Operating Profit Margin | 20.25% | 20.53% | 18.78% | 33.60% | 34.55% |
| Pretax Profit Margin | 19.69% | 20.53% | 18.78% | 33.60% | 34.55% |
| Net Profit Margin | 15.81% | 16.73% | 15.59% | 27.27% | 28.42% |
| Continuous Operations Profit Margin | 15.81% | 16.73% | 15.59% | 27.27% | 28.42% |
| Net Income Per EBT | 80.28% | 81.52% | 83.02% | 81.14% | 82.28% |
| EBT Per EBIT | 97.22% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.96% | 0.88% | 0.80% | 1.12% | 0.83% |
| Return on Equity (ROE) | 9.13% | 12.73% | 11.29% | 16.19% | 11.22% |
| Return on Capital Employed (ROCE) | 11.02% | 12.62% | 8.95% | 15.59% | 11.90% |
| Return on Invested Capital (ROIC) | -1.25% | 6.40% | 4.47% | 7.66% | 5.16% |
| Return on Tangible Assets | 0.99% | 0.88% | 0.80% | 1.13% | 0.83% |
| Earnings Yield | 8.04% | 8.02% | 8.64% | 10.69% | 6.89% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 6.20 | 4.32 | 3.21 | 3.02 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 11.16 | 12.89 | 10.62 | 7.26 | 5.69 |
| Asset Turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.10 | -0.10 | -0.09 | -0.07 | -0.07 |
| Cash Conversion Cycle | 0.00 | 58.88 | 84.51 | 113.62 | 120.84 |
| Days of Sales Outstanding | 0.00 | 58.88 | 84.51 | 113.62 | 120.84 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 58.88 | 84.51 | 113.62 | 120.84 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 13.52 | 4.62 | 9.74 | 15.92 | 11.06 |
| Free Cash Flow Per Share | 12.88 | 4.12 | 9.19 | 14.85 | 10.37 |
| Dividend Paid and CapEx Coverage Ratio | 5.57 | 2.22 | 4.67 | 6.22 | 5.32 |
| Capital Expenditure Coverage Ratio | 21.13 | 9.31 | 17.56 | 14.88 | 15.85 |
| Operating Cash Flow Coverage Ratio | 0.27 | 0.08 | 0.13 | 0.30 | 0.15 |
| Operating Cash Flow to Sales Ratio | 0.23 | 0.09 | 0.21 | 0.49 | 0.43 |
| Free Cash Flow Yield | 11.20% | 3.65% | 11.00% | 17.78% | 9.77% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.50 | 12.47 | 11.58 | 9.35 | 14.51 |
| Price-to-Sales (P/S) Ratio | 1.97 | 2.09 | 1.81 | 2.55 | 4.12 |
| Price-to-Book (P/B) Ratio | 1.14 | 1.59 | 1.31 | 1.51 | 1.63 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.93 | 27.36 | 9.09 | 5.62 | 10.24 |
| Price-to-Operating Cash Flow Ratio | 8.51 | 24.42 | 8.57 | 5.25 | 9.59 |
| Price-to-Earnings Growth (PEG) Ratio | 7.54 | 0.49 | -0.60 | 0.42 | 0.63 |
| Enterprise Value Multiple | 11.12 | -0.11 | 4.06 | 8.47 | -1.29 |
| Enterprise Value | 11.58B | -62.74M | 1.95B | 4.96B | -623.71M |
| EV to EBITDA | 11.12 | -0.11 | 4.06 | 8.47 | -1.29 |
| EV to Sales | 2.61 | -0.02 | 0.87 | 3.13 | -0.50 |
| EV to Free Cash Flow | 11.84 | -0.31 | 4.37 | 6.91 | -1.25 |
| EV to Operating Cash Flow | 11.28 | -0.28 | 4.12 | 6.45 | -1.17 |
| Tangible Book Value Per Share | 70.69 | 65.20 | 57.55 | 48.31 | 60.15 |
| Shareholders’ Equity Per Share | 101.34 | 71.11 | 63.92 | 55.17 | 65.16 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.18 | 0.17 | 0.19 | 0.18 |
| Revenue Per Share | 58.53 | 54.09 | 46.27 | 32.75 | 25.73 |
| Net Income Per Share | 9.25 | 9.05 | 7.22 | 8.93 | 7.31 |
| Tax Burden | 0.80 | 0.82 | 0.83 | 0.81 | 0.82 |
| Interest Burden | 0.97 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.26 | 0.24 | 0.25 | 0.33 | 0.41 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Income Quality | 1.46 | 0.51 | 1.35 | 1.78 | 1.51 |
Currency in USD
