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STOCKS

Umb Financial Corp. (UMBF)

:UMBF

UMBF

UMB Financial

RESEARCH TOOLSreports

UMB Financial (UMBF) Ratios

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106 Followers

UMB Financial Ratios

UMBF's free cash flow for Q3 2025 was $0.44. For the 2025 fiscal year, UMBF's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.34	<0.01	1.09	1.06
Quick Ratio	0.00	0.34	0.19	1.64	1.51
Cash Ratio	0.00	0.14	0.10	0.47	0.29
Solvency Ratio	0.01	<0.01	1.27	1.50	1.29
Operating Cash Flow Ratio	0.00	0.01	0.05	0.03	0.03
Short-Term Operating Cash Flow Coverage	0.30	0.15	0.00	0.00	0.00
Net Current Asset Value	$ -63.36B	$ -27.72B	$ -380.89M	$ 21.09B	$ 12.71B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.08	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	0.44	1.13	0.14	0.09	0.09
Debt-to-Capital Ratio	0.31	0.53	0.13	0.08	0.08
Long-Term Debt-to-Capital Ratio	0.06	0.11	0.13	0.08	0.08
Financial Leverage Ratio	9.66	14.20	14.44	13.57	10.98
Debt Service Coverage Ratio	0.18	0.10	2.17	8.95	4.52
Interest Coverage Ratio	0.53	0.46	3.36	9.33	4.39
Debt to Market Cap	0.41	0.86	0.09	0.05	0.08
Interest Debt Per Share	62.96	91.16	12.52	6.58	7.21
Net Debt to EBITDA	2.49	-4.38	-2.22	-18.43	-8.14
Profitability Margins
Gross Profit Margin	51.30%	57.24%	100.00%	100.00%	100.00%
EBIT Margin	18.56%	18.78%	239.74%	36.11%	27.82%
EBITDA Margin	22.21%	21.40%	264.08%	40.77%	32.97%
Operating Profit Margin	18.56%	18.78%	338.29%	35.87%	27.82%
Pretax Profit Margin	18.56%	18.78%	239.74%	35.87%	27.82%
Net Profit Margin	15.03%	15.59%	194.52%	29.52%	23.52%
Continuous Operations Profit Margin	15.03%	15.59%	194.52%	29.52%	23.52%
Net Income Per EBT	81.00%	83.02%	81.14%	82.28%	84.54%
EBT Per EBIT	100.00%	100.00%	70.87%	100.00%	100.00%
Return on Assets (ROA)	0.84%	0.80%	1.12%	0.83%	0.86%
Return on Equity (ROE)	9.73%	11.29%	16.19%	11.22%	9.50%
Return on Capital Employed (ROCE)	1.04%	8.95%	3.38%	1.86%	1.62%
Return on Invested Capital (ROIC)	9.12%	4.47%	-3.87%	2.20%	2.41%
Return on Tangible Assets	0.87%	0.80%	1.13%	0.83%	0.87%
Earnings Yield	7.54%	8.64%	10.69%	6.89%	8.63%
Efficiency Ratios
Receivables Turnover	0.00	4.32	0.00	9.12	8.71
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	10.13	10.62	0.84	4.41	4.16
Asset Turnover	0.06	0.05	<0.01	0.03	0.04
Working Capital Turnover Ratio	-0.16	-0.09	-0.03	0.94	2.09
Cash Conversion Cycle	0.00	84.51	0.00	40.01	41.91
Days of Sales Outstanding	0.00	84.51	0.00	40.01	41.91
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	84.51	0.00	40.01	41.91
Cash Flow Ratios
Operating Cash Flow Per Share	11.38	9.74	15.92	11.06	7.76
Free Cash Flow Per Share	11.24	9.19	14.85	10.37	6.51
CapEx Per Share	0.14	0.55	1.07	0.70	1.25
Free Cash Flow to Operating Cash Flow	0.99	0.94	0.93	0.94	0.84
Dividend Paid and CapEx Coverage Ratio	5.52	4.67	6.22	5.32	3.10
Capital Expenditure Coverage Ratio	83.86	17.56	14.88	15.85	6.20
Operating Cash Flow Coverage Ratio	0.26	0.13	2.02	1.97	1.39
Operating Cash Flow to Sales Ratio	0.21	0.21	3.47	0.45	0.31
Free Cash Flow Yield	10.35%	11.00%	17.78%	9.77%	9.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.26	11.58	9.35	14.51	11.59
Price-to-Sales (P/S) Ratio	2.02	1.81	18.19	4.28	2.73
Price-to-Book (P/B) Ratio	1.08	1.31	1.51	1.63	1.10
Price-to-Free Cash Flow (P/FCF) Ratio	9.66	9.09	5.62	10.24	10.60
Price-to-Operating Cash Flow Ratio	9.43	8.57	5.25	9.59	8.89
Price-to-Earnings Growth (PEG) Ratio	4.47	-0.60	0.42	0.63	0.60
Price-to-Fair Value	1.08	1.31	1.51	1.63	1.10
Enterprise Value Multiple	11.58	4.06	4.67	-7.92	0.12
Enterprise Value	10.39B	1.95B	2.74B	-3.86B	49.94M
EV to EBITDA	11.58	4.06	4.67	-7.92	0.12
EV to Sales	2.57	0.87	12.34	-3.23	0.04
EV to Free Cash Flow	12.31	4.37	3.82	-7.72	0.16
EV to Operating Cash Flow	12.17	4.12	3.56	-7.23	0.13
Tangible Book Value Per Share	67.94	57.55	782.88	874.91	678.39
Shareholders’ Equity Per Share	99.22	63.92	55.17	65.16	62.67
Tax and Other Ratios
Effective Tax Rate	0.19	0.17	0.19	0.18	0.15
Revenue Per Share	53.83	46.27	4.59	24.78	25.31
Net Income Per Share	8.09	7.22	8.93	7.31	5.95
Tax Burden	0.81	0.83	0.81	0.82	0.85
Interest Burden	1.00	1.00	1.00	0.99	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.26	0.25	2.36	0.44	0.43
Stock-Based Compensation to Revenue	<0.01	<0.01	0.10	0.02	0.01
Income Quality	1.41	1.35	1.78	1.51	1.30

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