Total Valuation
UMB Financial has a market cap or net worth of €9.37B. The enterprise value is €9.15K.
Market Cap€9.37B
Enterprise Value€9.15K
Share Statistics
UMB Financial has 75,950,030 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding75,950,030
Owned by Insiders3.99%
Owned by Institutions15.28%
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 11.9. UMB Financial’s PEG ratio is 7.54.
PE Ratio11.9
PS Ratio1.97
PB Ratio1.14
Price to Fair Value1.14
Price to FCF8.93
Price to Operating Cash Flow10.02
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 1.09B and capital expenditures -25.16M, giving a free cash flow of 1.06B billion.
Operating Cash Flow1.09B
Free Cash Flow1.06B
Free Cash Flow per Share14.00
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
Beta0.65
52-Week Price Change18.82%
50-Day Moving Average125.92
200-Day Moving Average108.46
Relative Strength Index (RSI)40.64
Average Volume (3m)0.00
Important Dates
UMB Financial upcoming earnings date is Oct 27, 2026, After Close (Confirmed).
Last Earnings DateJul 28, 2026
Next Earnings DateOct 27, 2026
Ex-Dividend Date―
Financial Position
UMB Financial as a current ratio of 0.01, with Debt / Equity ratio of 44.38%
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 €779.88M in cash and marketable securities with €3.56B in debt, giving a net cash position of -€2.78B billion.
Cash & Marketable Securities€779.88M
Total Debt€3.56B
Net Cash-€2.78B
Net Cash Per Share-€36.65
Tangible Book Value Per Share€70.69
Margins
Gross margin is 58.45%, with operating margin of 20.25%, and net profit margin of 15.81%.
Gross Margin58.45%
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 €144.01, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target€144.01
Price Target Upside15.21% Upside
Analyst ConsensusStrong Buy
Analyst Count12
Revenue Growth Forecast20.05%
EPS Growth Forecast29.21%