UMBF Umb Financial Corp
Price (delayed)
$92.75
Market cap
$6.73B
P/E Ratio
10.25
Dividend/share
$1.58
EPS
$9.05
Enterprise value
$623.39M
UMB Financial Corporation is an American financial services holding company founded in 1913 as City Center Bank and based in Kansas City, Missouri. It offers complete banking, payment solutions, asset
Highlights
The debt has declined by 30% year-on-year and by 13% since the previous quarter
Umb Financial's net income has increased by 26% YoY and by 13% QoQ
Key stats
What are the main financial stats of UMBF
Market
Valuations
Earnings
Shares outstanding
72.59M
Market cap
$6.73B
Enterprise value
$623.39M
Price to earnings (P/E)
10.25
Price to book (P/B)
1.31
Price to sales (P/S)
2.88
EV/EBIT
1.15
EV/EBITDA
1.05
EV/Sales
0.4
Revenue
$1.57B
Gross profit
$1.57B
Operating income
$541.27M
Net income
$441.24M
EBIT
$541.27M
EBITDA
$594.04M
Free cash flow
$205.28M
Per share
Balance sheet
Liquidity
EPS
$9.05
EPS diluted
$8.99
Free cash flow per share
$4.21
Book value per share
$71.04
Revenue per share
$32.16
TBVPS
$1,028.53
Total assets
$50.41B
Total liabilities
$46.94B
Debt
$3B
Equity
$3.47B
Working capital
N/A
Debt to equity
0.86
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-10.28
Margins
Efficiency
Dividend
EBITDA margin
37.9%
Gross margin
100%
Net margin
28.1%
Operating margin
34.5%
Return on assets
0.9%
Return on equity
13.2%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
34.5%
Dividend yield
1.7%
DPS
$1.58
Payout ratio
17.5%
UMBF stock price
How has the Umb Financial stock price performed over time
Intraday
2.58%
1 week
2.53%
1 month
-9.38%
1 year
11%
YTD
-17.82%
QTD
-8.26%
Financial performance
How have Umb Financial's revenue and profit performed over time
Revenue
$1.57B
Gross profit
$1.57B
Operating income
$541.27M
Net income
$441.24M
Gross margin
100%
Net margin
28.1%
Umb Financial's operating income has increased by 28% YoY and by 13% QoQ
Umb Financial's net income has increased by 26% YoY and by 13% QoQ
Umb Financial's operating margin has increased by 16% YoY and by 10% QoQ
The net margin has increased by 14% year-on-year and by 9% since the previous quarter
Growth
What is Umb Financial's growth rate over time
Valuation
What is Umb Financial stock price valuation
P/E
10.25
P/B
1.31
P/S
2.88
EV/EBIT
1.15
EV/EBITDA
1.05
EV/Sales
0.4
UMBF's EPS is up by 25% year-on-year and by 12% since the previous quarter
The stock's price to earnings (P/E) is 16% less than its last 4 quarters average of 11.9 and 9% less than its 5-year quarterly average of 11.0
The equity has increased by 12% year-on-year
UMBF's price to book (P/B) is 9% lower than its last 4 quarters average of 1.4 and 2.3% lower than its 5-year quarterly average of 1.3
UMBF's revenue is up by 10% year-on-year and by 2.9% since the previous quarter
UMBF's price to sales (P/S) is 9% lower than its last 4 quarters average of 3.1 and 3.1% lower than its 5-year quarterly average of 2.9
Efficiency
How efficient is Umb Financial business performance
UMBF's return on invested capital is up by 30% year-on-year and by 18% since the previous quarter
UMBF's return on sales is up by 16% year-on-year and by 10% since the previous quarter
Umb Financial's return on assets has increased by 13% YoY
UMBF's ROE is up by 9% QoQ and by 9% YoY
Dividends
What is UMBF's dividend history
DPS
$1.58
Dividend yield
1.7%
Payout ratio
17.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Umb Financial financials performed over time
UMBF's total assets is 7% greater than its total liabilities
Umb Financial's total liabilities has increased by 15% YoY and by 7% QoQ
UMBF's total assets is up by 15% year-on-year and by 6% since the previous quarter
The debt is 14% smaller than the equity
The debt to equity has contracted by 38% YoY and by 12% from the previous quarter
The debt has declined by 30% year-on-year and by 13% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.