Total Valuation
UMB Financial has a market cap or net worth of €9.45B. The enterprise value is €13.36B.
Market Cap€9.45B
Enterprise Value€13.36B
Share Statistics
UMB Financial has 75,978,730 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding75,978,730
Owned by Insiders4.02%
Owned by Institutions0.55%
Financial Efficiency
UMB Financial’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is -1.25%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-1.25%
Return on Capital Employed (ROCE)0.11
Revenue Per Employee850.97K
Profits Per Employee134.51K
Employee Count5,222
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of UMB Financial is 12.5. UMB Financial’s PEG ratio is 7.54.
PE Ratio12.5
PS Ratio1.97
PB Ratio1.14
Price to Fair Value1.14
Price to FCF8.93
Price to Operating Cash Flow10.55
PEG Ratio7.54
Income Statement
In the last 12 months, UMB Financial had revenue of 4.44B and earned 702.40M in profits. Earnings per share was 9.20.
Revenue4.44B
Gross Profit2.42B
Operating Income899.96M
Pretax Income874.96M
Net Income702.40M
EBITDA1.06B
Earnings Per Share (EPS)9.20
Cash Flow
In the last 12 months, operating cash flow was 1.02B and capital expenditures -44.28M, giving a free cash flow of 980.67M billion.
Operating Cash Flow1.02B
Free Cash Flow980.67M
Free Cash Flow per Share12.91
Dividends & Yields
UMB Financial pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.69
52-Week Price Change42.43%
50-Day Moving Average115.25
200-Day Moving Average103.27
Relative Strength Index (RSI)74.75
Average Volume (3m)1.00
Important Dates
UMB Financial upcoming earnings date is Jul 28, 2026, After Close (Confirmed).
Last Earnings DateApr 28, 2026
Next Earnings DateJul 28, 2026
Ex-Dividend Date―
Financial Position
UMB Financial as a current ratio of 0.01, with Debt / Equity ratio of 51.46%
Current Ratio0.01
Quick Ratio0.01
Debt to Market Cap0.43
Net Debt to EBITDA2.69
Interest Coverage Ratio0.60
Taxes
In the past 12 months, UMB Financial has paid 172.56M in taxes.
Income Tax172.56M
Effective Tax Rate0.20
Enterprise Valuation
UMB Financial EV to EBITDA ratio is 10.92, with an EV/FCF ratio of 11.84.
EV to Sales2.61
EV to EBITDA10.92
EV to Free Cash Flow11.84
EV to Operating Cash Flow11.28
Balance Sheet
UMB Financial has €735.83M in cash and marketable securities with €4.03B in debt, giving a net cash position of -€3.29B billion.
Cash & Marketable Securities€735.83M
Total Debt€4.03B
Net Cash-€3.29B
Net Cash Per Share-€43.33
Tangible Book Value Per Share€70.69
Margins
Gross margin is 56.67%, with operating margin of 20.25%, and net profit margin of 15.81%.
Gross Margin56.67%
Operating Margin20.25%
Pretax Margin19.69%
Net Profit Margin15.81%
EBITDA Margin23.86%
EBIT Margin20.25%
Analyst Forecast
The average price target for UMB Financial is €135.20, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target€135.20
Price Target Upside30.00% Upside
Analyst ConsensusStrong Buy
Analyst Count10
Revenue Growth Forecast30.93%
EPS Growth Forecast31.43%