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Price (delayed)
$114.61
Market cap
$5.59B
P/E Ratio
14.22
Dividend/share
$1.57
EPS
$8.06
Enterprise value
$1.27B
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 26% year-on-year and by 10% since the previous quarter
The debt has declined by 22% year-on-year and by 11% since the previous quarter
The stock's price to earnings (P/E) is 28% more than its 5-year quarterly average of 11.1 and 22% more than its last 4 quarters average of 11.7
Key stats
What are the main financial stats of UMBF
Market
Valuations
Earnings
Shares outstanding
48.8M
Market cap
$5.59B
Enterprise value
$1.27B
Price to earnings (P/E)
14.22
Price to book (P/B)
1.58
Price to sales (P/S)
3.67
EV/EBIT
2.66
EV/EBITDA
2.39
EV/Sales
0.83
Revenue
$1.52B
Gross profit
$1.52B
Net income
$392.17M
EBIT
$477.25M
EBITDA
$531.46M
Free cash flow
$363.26M
Per share
Balance sheet
Liquidity
EPS
$8.06
EPS diluted
$8
Free cash flow per share
$7.45
Book value per share
$72.53
Revenue per share
$31.24
TBVPS
$968.19
Total assets
$47.5B
Total liabilities
$43.96B
Debt
$3.46B
Equity
$3.54B
Working capital
N/A
Debt to equity
0.98
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.13
Margins
Efficiency
Dividend
EBITDA margin
34.9%
Gross margin
100%
Net margin
25.7%
Operating margin
31.3%
Return on assets
0.9%
Return on equity
12.1%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
31.3%
Dividend yield
1.37%
DPS
$1.57
Payout ratio
19.5%
UMBF stock price
How has the Umb Financial stock price performed over time
Intraday
1.25%
1 week
-6.2%
1 month
-4.64%
1 year
40.51%
YTD
37.18%
QTD
9.04%
Financial performance
How have Umb Financial's revenue and profit performed over time
Revenue
$1.52B
Gross profit
$1.52B
Operating income
$477.25M
Net income
$392.17M
Gross margin
100%
Net margin
25.7%
UMBF's revenue is up by 8% year-on-year and by 2.5% since the previous quarter
The gross profit has grown by 8% YoY and by 2.5% from the previous quarter
Umb Financial's operating margin has decreased by 4.9% YoY
Umb Financial's operating income has increased by 3.6% QoQ and by 2.7% YoY
Growth
What is Umb Financial's growth rate over time
Valuation
What is Umb Financial stock price valuation
P/E
14.22
P/B
1.58
P/S
3.67
EV/EBIT
2.66
EV/EBITDA
2.39
EV/Sales
0.83
The stock's price to earnings (P/E) is 28% more than its 5-year quarterly average of 11.1 and 22% more than its last 4 quarters average of 11.7
UMBF's EPS is up by 3.3% since the previous quarter and by 2.9% year-on-year
The equity has increased by 26% year-on-year and by 10% since the previous quarter
UMBF's price to book (P/B) is 22% higher than its 5-year quarterly average of 1.3 and 22% higher than its last 4 quarters average of 1.3
UMBF's price to sales (P/S) is 27% higher than its 5-year quarterly average of 2.9 and 22% higher than its last 4 quarters average of 3.0
UMBF's revenue is up by 8% year-on-year and by 2.5% since the previous quarter
Efficiency
How efficient is Umb Financial business performance
UMBF's ROE is down by 11% YoY
UMBF's return on sales is down by 4.9% year-on-year
Dividends
What is UMBF's dividend history
DPS
$1.57
Dividend yield
1.37%
Payout ratio
19.5%
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 8% greater than its total liabilities
UMBF's total assets is up by 15% year-on-year and by 7% since the previous quarter
Umb Financial's total liabilities has increased by 14% YoY and by 7% QoQ
The debt is 2.2% smaller than the equity
The debt to equity has contracted by 38% YoY and by 19% from the previous quarter
The equity has increased by 26% year-on-year and by 10% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.