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STOCKS

UMB Financial Corp (UMBF)

NASDAQ:UMBF

UMBF

UMB Financial

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UMB Financial (UMBF) Ratios

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UMB Financial Ratios

UMBF's free cash flow for Q1 2025 was $1.00. For the 2025 fiscal year, UMBF's free cash flow was decreased by $ and operating cash flow was $-0.06. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.57	1.18	<0.01	1.09	1.06
Quick Ratio	1.57	1.18	0.19	1.64	1.51
Cash Ratio	1.57	14.57	0.10	0.47	0.29
Solvency Ratio	0.01	<0.01	1.27	1.50	1.29
Operating Cash Flow Ratio	0.62	1.23	0.05	0.03	0.03
Short-Term Operating Cash Flow Coverage	0.00	0.47	0.00	0.00	0.00
Net Current Asset Value	$ -46.37B	$ -40.46B	$ -380.89M	$ 21.09B	$ 12.71B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.03	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	0.11	0.45	0.14	0.09	0.09
Debt-to-Capital Ratio	0.10	0.31	0.13	0.08	0.08
Long-Term Debt-to-Capital Ratio	0.10	0.11	0.13	0.08	0.08
Financial Leverage Ratio	14.54	14.20	14.44	13.57	10.98
Debt Service Coverage Ratio	-0.09	-0.04	2.17	8.95	4.52
Interest Coverage Ratio	1.83	0.00	3.36	9.33	4.39
Debt to Market Cap	0.07	0.34	0.09	0.05	0.08
Interest Debt Per Share	31.91	47.46	12.52	6.58	7.21
Net Debt to EBITDA	0.00	0.00	-2.22	-18.43	-8.14
Profitability Margins
Gross Profit Margin	55.98%	93.32%	100.00%	100.00%	100.00%
EBIT Margin	-1.88%	-4.13%	239.74%	36.11%	27.82%
EBITDA Margin	0.00%	0.00%	264.08%	40.77%	32.97%
Operating Profit Margin	76.50%	0.00%	338.29%	35.87%	27.82%
Pretax Profit Margin	19.33%	29.67%	239.74%	35.87%	27.82%
Net Profit Margin	15.75%	24.64%	194.52%	29.52%	23.52%
Continuous Operations Profit Margin	15.75%	24.64%	194.52%	29.52%	23.52%
Net Income Per EBT	81.52%	83.02%	81.14%	82.28%	84.54%
EBT Per EBIT	25.26%	0.00%	70.87%	100.00%	100.00%
Return on Assets (ROA)	0.88%	0.80%	1.12%	0.83%	0.86%
Return on Equity (ROE)	12.73%	11.29%	16.19%	11.22%	9.50%
Return on Capital Employed (ROCE)	4.28%	0.00%	3.38%	1.86%	1.62%
Return on Invested Capital (ROIC)	3.49%	0.00%	-3.87%	2.20%	2.41%
Return on Tangible Assets	0.88%	0.80%	1.13%	0.83%	0.87%
Earnings Yield	8.02%	8.64%	10.69%	6.89%	8.63%
Efficiency Ratios
Receivables Turnover	6.58	2.73	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	13.69	6.72	0.84	4.41	4.16
Asset Turnover	0.06	0.03	<0.01	0.03	0.04
Working Capital Turnover Ratio	20.27	-0.17	-0.03	0.94	2.09
Cash Conversion Cycle	55.44	133.51	0.00	40.01	41.91
Days of Sales Outstanding	55.44	133.51	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	55.44	133.51	0.00	40.01	41.91
Cash Flow Ratios
Operating Cash Flow Per Share	4.62	9.74	15.92	11.06	7.76
Free Cash Flow Per Share	4.12	9.19	14.85	10.37	6.51
CapEx Per Share	0.50	0.55	1.07	0.70	1.25
Free Cash Flow to Operating Cash Flow	0.89	0.94	0.93	0.94	0.84
Dividend Paid and CapEx Coverage Ratio	2.22	4.67	6.22	5.32	3.10
Capital Expenditure Coverage Ratio	9.31	17.56	14.88	15.85	6.20
Operating Cash Flow Coverage Ratio	0.58	0.34	2.02	1.97	1.39
Operating Cash Flow to Sales Ratio	0.08	0.33	3.47	0.45	0.31
Free Cash Flow Yield	3.65%	11.00%	17.78%	9.77%	9.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.47	11.58	9.35	14.51	11.59
Price-to-Sales (P/S) Ratio	1.96	2.85	18.19	4.28	2.73
Price-to-Book (P/B) Ratio	1.59	1.31	1.51	1.63	1.10
Price-to-Free Cash Flow (P/FCF) Ratio	27.36	9.09	5.62	10.24	10.60
Price-to-Operating Cash Flow Ratio	24.42	8.57	5.25	9.59	8.89
Price-to-Earnings Growth (PEG) Ratio	0.49	-0.60	0.42	0.63	0.60
Price-to-Fair Value	1.59	1.31	1.51	1.63	1.10
Enterprise Value Multiple	0.00	0.00	4.67	-7.92	0.12
Enterprise Value	―	―	―	―	―
EV to EBITDA	0.00	0.00	4.67	-7.92	0.12
EV to Sales	1.90	-0.12	12.34	-3.23	0.04
EV to Free Cash Flow	26.43	-0.38	3.82	-7.72	0.16
EV to Operating Cash Flow	23.59	-0.36	3.56	-7.23	0.13
Tangible Book Value Per Share	65.20	57.55	782.88	874.91	678.39
Shareholders’ Equity Per Share	71.11	63.92	55.17	65.16	62.67
Tax and Other Ratios
Effective Tax Rate	0.18	0.17	0.19	0.18	0.15
Revenue Per Share	57.46	29.29	4.59	24.78	25.31
Net Income Per Share	9.05	7.22	8.93	7.31	5.95
Tax Burden	0.82	0.83	0.81	0.82	0.85
Interest Burden	-10.26	-7.18	1.00	0.99	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.21	0.39	2.36	0.44	0.43
Stock-Based Compensation to Revenue	<0.01	0.01	0.10	0.02	0.01
Income Quality	0.51	1.35	1.78	1.51	1.30

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