Price (delayed)
$99.83
Market cap
$4.87B
P/E Ratio
12.8
Dividend/share
$1.55
EPS
$7.8
Enterprise value
$3.41B
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 equity has increased by 14% year-on-year and by 2.4% since the previous quarter
The debt has declined by 12% since the previous quarter and by 8% year-on-year
The stock's price to earnings (P/E) is 23% more than its last 4 quarters average of 10.4 and 14% more than its 5-year quarterly average of 11.2
Key stats
What are the main financial stats of UMBF
Market
Valuations
Earnings
Shares outstanding
48.75M
Market cap
$4.87B
Enterprise value
$3.41B
Price to book (P/B)
1.51
Price to sales (P/S)
3.27
EV/EBIT
7.41
EV/EBITDA
6.61
EV/Sales
2.3
Revenue
$1.49B
EBIT
$460.77M
EBITDA
$516.54M
Free cash flow
$469.79M
Per share
Balance sheet
Liquidity
EPS
$7.8
Free cash flow per share
$9.64
Book value per share
$66.21
Revenue per share
$30.49
TBVPS
$906.66
Total assets
$44.47B
Total liabilities
$41.24B
Debt
$3.9B
Equity
$3.23B
Working capital
N/A
Debt to equity
1.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.81
Margins
Efficiency
Dividend
EBITDA margin
34.8%
Gross margin
100%
Net margin
25.5%
Operating margin
31%
Return on assets
0.9%
Return on equity
12.3%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
31%
Dividend yield
1.55%
DPS
$1.55
Payout ratio
19.9%
UMBF stock price
How has the Umb Financial stock price performed over time
Intraday
-1.56%
1 week
-3.63%
1 month
8.3%
1 year
61.62%
YTD
19.49%
QTD
19.67%
Financial performance
How have Umb Financial's revenue and profit performed over time
Revenue
$1.49B
Gross profit
$1.49B
Operating income
$460.77M
Net income
$379.08M
Gross margin
100%
Net margin
25.5%
UMBF's revenue is up by 6% year-on-year
The gross profit has grown by 6% YoY
Umb Financial's operating income has increased by 3.8% QoQ
Umb Financial's operating margin has decreased by 4.3% YoY
Growth
What is Umb Financial's growth rate over time
Valuation
What is Umb Financial stock price valuation
P/E
12.8
P/B
1.51
P/S
3.27
EV/EBIT
7.41
EV/EBITDA
6.61
EV/Sales
2.3
The stock's price to earnings (P/E) is 23% more than its last 4 quarters average of 10.4 and 14% more than its 5-year quarterly average of 11.2
UMBF's EPS is up by 2.9% since the previous quarter
UMBF's price to book (P/B) is 26% higher than its last 4 quarters average of 1.2 and 16% higher than its 5-year quarterly average of 1.3
The equity has increased by 14% year-on-year and by 2.4% since the previous quarter
UMBF's price to sales (P/S) is 21% higher than its last 4 quarters average of 2.7 and 13% higher than its 5-year quarterly average of 2.9
UMBF's revenue is up by 6% year-on-year
Efficiency
How efficient is Umb Financial business performance
UMBF's ROE is down by 10% YoY
UMBF's return on sales is down by 4.3% year-on-year
Dividends
What is UMBF's dividend history
DPS
$1.55
Dividend yield
1.55%
Payout ratio
19.9%
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 8% greater than its total liabilities
UMBF's total assets is up by 8% year-on-year
Umb Financial's total liabilities has increased by 7% YoY but it has decreased by 2.2% QoQ
The debt is 21% greater than the equity
The debt to equity has contracted by 19% YoY and by 14% from the previous quarter
The equity has increased by 14% year-on-year and by 2.4% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.